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Jack Henry & Associates (JKHY) earnings and revenue breakdown

Latest: Q1 FY27 · 10-Q filed Nov 6, 2026 · Jack Henry & Associates (JKHY) Q1 FY27 earnings results →

Q1 FY27 Revenue up 9% year over year to $702M · 23¢ of every $1 of revenue kept as net profit · operating margin 29.5%

Jack Henry & Associates made $702M in Q1 FY27 (+9% Y/Y): Services and Support $404M, Cloud Services $218M, Product Delivery and Services $80.1M. Operating margin 29.5%, net earnings $160M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.

Revenue$702M
Year over year+9%
Operating margin29.5%
Net earnings$160M
Operating cash flow$161M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $701.5M in Q1 FY27, up 9% year over year and up 9% from the previous quarter. Processing was the largest line at 42% of revenue. Processing added $28.7M year over year (up 11%), 51% of the total change.

Operating profit was $207.1M, a 29.5% margin (up 1.0 points year over year). Of the extra revenue versus Q1 FY26, 40% reached operating profit, above the 29% margin then. Total costs grew 7% against revenue growth of 9%. The fastest-growing cost line was Research & development (+17%). Net earnings were $160.4M, up 11% year over year. The effective tax rate was 23.8%.

Operating cash flow was $161.3M (up 34% year over year), 101% of net earnings. Non-cash charges added back $11.2M of depreciation and $4.9M of share-based compensation. Working capital and other items used $15.3M. After capitalized software ($49.8M) and capitalized expenditures ($27.0M) and internal use software ($1.6M), free cash flow as the company reports it was $82.9M.

Quarterly history

Jack Henry & Associates revenue by quarterJack Henry & Associates revenue by quarter$585MQ3 FY25$615MQ4 FY25$645MQ1 FY26$619MQ2 FY26$636MQ3 FY26$644MQ4 FY26$702MQ1 FY27
Jack Henry & Associates net earnings by quarterJack Henry & Associates net earnings by quarter$111MQ3 FY25$128MQ4 FY25$144MQ1 FY26$125MQ2 FY26$123MQ3 FY26$111MQ4 FY26$160MQ1 FY27
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q1 FY2710-QNov 6, 2026$702M+9%29.5%$160M$161M
Q4 FY2610-KAug 28, 2026$644M+5%21.2%$111M$303M
Q3 FY2610-QMay 7, 2026$636M+9%24.4%$123M$186M
Q2 FY2610-QFeb 6, 2026$619M+8%25.7%$125M$153M
Q1 FY2610-QNov 7, 2025$645M+7%28.5%$144M$121M
Q4 FY2510-KAug 25, 2025$615M+10%25.3%$128M$327M
Q3 FY2510-QMay 12, 2025$585M+9%23.7%$111M$108M

Charts

Jack Henry & Associates: revenue growth, year over year and quarter over quarterJack Henry & Associates: revenue growth, year over year and quarter over quarterY/YQ/Q+9%Q3 FY25+10%+5%Q4 FY25+7%+5%Q1 FY26+8%-4%Q2 FY26+9%+3%Q3 FY26+5%+1%Q4 FY26+9%+9%Q1 FY27
Latest (Q1 FY27): Y/Y +9%, Q/Q +9%.
Jack Henry & Associates: where the cash came from (+) and went (−), TTM to Q1 FY27Jack Henry & Associates: where the cash came from (+) and went (−), TTM to Q1 FY27Operating cash flow$803MNet borrowing (+) / repaid (−)$648MOther financing−$583MBuybacks−$457MOther investing−$195MDividends−$171MCapital spending−$85.2MAsset & business sales$25.3MShares issued$11.6MCash drawn (+) / kept (−)$10.9MTaxes on employees’ shares−$7.5M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Jack Henry & Associates: profit against cash, quarter by quarterJack Henry & Associates: profit against cash, quarter by quarterNet incomeOperating cash flow$97.8M$89.6MQ2 FY25$111M$108MQ3 FY25$128M$327MQ4 FY25$144M$121MQ1 FY26$125M$153MQ2 FY26$123M$186MQ3 FY26$111M$303MQ4 FY26$160M$161MQ1 FY27
Latest (Q1 FY27): Net income $160M, Operating cash flow $161M.
Jack Henry & Associates: diluted shares by fiscal yearJack Henry & Associates: diluted shares by fiscal year76MFY2173MFY2273MFY2373MFY2473MFY2572MFY26
-4.8% since FY21: buybacks shrank the count.
Jack Henry & Associates in its industry: growth against margin (40 companies, SIC 7373)Jack Henry & Associates in its industry: growth against margin (40 companies, SIC 7373)revenue growth, year over year →↑ operating marginmedian +9%median 1%LDOSKDCACISAICPSNGDDYOTEXLAWILIOTUISWAYNTCTRBBNIONQAGYSOSPNTLSSMRTASURWYYSTEMCREXCSPIHCTIQNTDMRCOMQSSLERIMEAURKDKMRLNFUSEODYSVEEAGRHIBNAISUNIDAICJKHY (+9%, 30%)
Services-Computer Integrated Systems Design; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Jack Henry & Associates

Jack Henry & Associates, Inc. ® is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. For 50 years, we have provided technology solutions to help banks and credit unions innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower over 7,200 financial institutions and diverse corporate entities with people-inspired innovation, personal service, and insight-driven solutions.

In its own words, from its 10-K, filed Aug 28, 2026.

Jack Henry & Associates against its Services-Computer Integrated Systems Design peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +9% against the peers' median +4%. Operating margin: 29.5% against the peers' median 11.9%.

CompanyQuarterRevenueY/YOp. margin
JKHY Jack Henry & AssociatesQ1 FY27$702M+9%29.5%
LDOS Leidos HoldingsQ3 2026$4.6B+4%11.9%
KD Kyndryl HoldingsQ2 FY27$3.7B-2%3.1%
CACI CACI InternationalQ3 2026$2.5B+8%10.0%
SAIC Science Applications InternationalQ2 FY27$1.9B+6%8.1%
PSN ParsonsQ3 2026$1.7B+2%6.3%
GDDY GoDaddyQ3 2026$1.3B+6%27.0%
OTEX Open TextQ1 FY27$1.2B-4%20.3%
LAWIL Light & WonderQ3 2026$824M-2%29.4%

Source: Jack Henry & Associates 10-Q on SEC EDGAR · CIK 779152 · Services-Computer Integrated Systems Design

Guidance and outlook

Jack Henry & Associates Revenue: guidance against what was reportedJack Henry & Associates Revenue: guidance against what was reportedguided rangereported (above / within / below)FY25$2.4BFY26$2.5BFY27
Met or beat 2 of 2 guided periods. Grey: the last range guided before the figures came out; dot: the reported figure.
Jack Henry & Associates: what its forward-looking statements are about (10-Q filed 2026-11-06)Jack Henry & Associates: what its forward-looking statements are about (10-Q filed 2026-11-06)Other1Capital spending1
2 statements; tone +0.00 (−1 all cautious, +1 all confident); 0 hedged.

13F: who owns JKHY and who is buying

Largest holders of JKHY (13F)Largest holders of JKHY (13F)Vanguard Group$1.6BKayne Anderson Rudnick Investment…$718MBlackRock$705MVanguard Capital Management LLC$640MState Street$510MVanguard Portfolio Management LLC$490MGeode Capital Management, LLC$379MCibc Private Wealth Group LLC$344MMorgan Stanley$327MArrowstreet Capital, Limited Part…$290M
Funds' net buying of JKHY by quarter (13F)Funds' net buying of JKHY by quarter (13F)−$40.4M2024-09$15.0M2024-12−$308M2025-03$272M2025-06−$139M2025-09$471M2025-12$349M2026-03−$445M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on JKHY

History

Every quarter: Q1 FY27 results · Q4 FY26 results · Q3 FY26 results · Q2 FY26 results · Q1 FY26 results · Q4 FY25 results · Q3 FY25 results

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