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Jack Henry & Associates cash flow, quarter by quarter

Latest: Q1 FY27 · from the cash-flow statements filed with the SEC

Free cash flow$134M in Q1 FY27 · $717M over twelve months

Operating cash flow$161M
Capital spending−$27.0M
Free cash flow+$134M
Cash / net income1.0×
Cash conversion cycle38 days

Analysis

In Q1 FY27, Jack Henry & Associates generated $161M of operating cash flow and spent $27.0M on capital projects, leaving free cash flow of $134M. That is $22.6M more than in Q1 FY26 ($112M).

Over the twelve months to Sep 30, 2026, operating cash flow was $803M; the largest uses were other financing ($583M), buybacks ($457M), other investing ($195M); besides operations, cash came from net borrowing (+) / repaid (−) ($648M), asset & business sales ($25.3M); the cash balance fell by $10.9M.

Operating cash flow was $161M against net income of $160M — 1.0× profit, roughly in line with earnings. The largest differences: deferred revenue −$39.7M, income taxes payable +$35.8M, accrued liabilities −$34.6M.

Its cash conversion cycle was 38 days (receivables 46 + inventory 0 − payables 7).

Free cash flow

Jack Henry & Associates: free cash flow by quarterJack Henry & Associates: free cash flow by quarter$73.0MQ2 FY25$96.1MQ3 FY25$315MQ4 FY25$112MQ1 FY26$131MQ2 FY26$170MQ3 FY26$282MQ4 FY26$134MQ1 FY27
Operating cash flow less capital spending.
Jack Henry & Associates: operating cash flow against capital spendingJack Henry & Associates: operating cash flow against capital spendingOperating cash flowCapital spending$89.6M$16.7MQ2 FY25$108M$11.7MQ3 FY25$327M$12.2MQ4 FY25$121M$8.9MQ1 FY26$153M$21.2MQ2 FY26$186M$16.5MQ3 FY26$303M$20.5MQ4 FY26$161M$27.0MQ1 FY27
Latest (Q1 FY27): Operating cash flow $161M, Capital spending $27.0M.

Capital allocation, year by year

Jack Henry & Associates: where the cash came from (up) and went (down), by fiscal yearJack Henry & Associates: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY22: Operating cash flow $505MFY22: Net borrowing $14.9MFY22: Shares issued $11.8MFY22: Asset sales $45KFY22: Capital spending −$34.7MFY22: Buybacks −$194MFY22: Dividends −$139M$531MFY22FY23: Operating cash flow $382MFY23: Net borrowing $160MFY23: Shares issued $12.4MFY23: Asset sales $27.9MFY23: Capital spending −$39.2MFY23: Acquisitions −$230MFY23: Buybacks −$25.0MFY23: Dividends −$147M$582MFY23FY24: Operating cash flow $568MFY24: Net borrowing −$125MFY24: Shares issued $12.5MFY24: Asset sales $904KFY24: Capital spending −$58.1MFY24: Buybacks −$28.1MFY24: Dividends −$156M$581MFY24FY25: Operating cash flow $642MFY25: Net borrowing −$150MFY25: Shares issued $11.7MFY25: Asset sales $3KFY25: Capital spending −$53.4MFY25: Buybacks −$35.1MFY25: Dividends −$165M$653MFY25FY26: Operating cash flow $762MFY26: Net borrowing $40.0MFY26: Shares issued $11.6MFY26: Asset sales $32.8MFY26: Capital spending −$67.1MFY26: Acquisitions −$42.4MFY26: Buybacks −$448MFY26: Dividends −$170M$846MFY26
Over these 5 years operating cash flow totalled $2.9B; the largest uses were dividends ($777M) and buybacks ($730M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$25.4M
Debt$40.0M
Net debt$14.6M

Jack Henry & Associates funds itself: free cash flow was $717M over the last twelve months, and $25.4M of cash and investments stands against $40.0M of debt.

Where the cash came from and went

Jack Henry & Associates: sources (+) and uses (−) of cash, Q1 FY27Jack Henry & Associates: sources (+) and uses (−) of cash, Q1 FY27Operating cash flow$161MBuybacks−$70.9MOther investing−$48.4MNet borrowing (+) / repaid (−)$45.0MDividends−$42.8MCapital spending−$27.0MCash drawn (+) / kept (−)−$13.3MTaxes on employees’ shares−$7.0MShares issued$3.0M
Jack Henry & Associates: sources (+) and uses (−) of cash, TTM to Q1 FY27Jack Henry & Associates: sources (+) and uses (−) of cash, 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 profit to cash

Jack Henry & Associates: net income to operating cash flow, Q1 FY27Jack Henry & Associates: net income to operating cash flow, Q1 FY27Net income$160MDepreciation & amortization$11.2MStock-based pay$4.9MGains on disposals−$336KReceivables$3.3MPayables−$4.1MAccrued liabilities−$34.6MDeferred revenue−$39.7MPrepaid and other assets−$31.6MIncome taxes payable$35.8MOperating cash flow$161M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q1 FY2746—738
Q4 FY2645—738
Q3 FY2641—536
Q2 FY2645—540
Q1 FY2645—639
Q4 FY2544—539
Q3 FY2543—539
Q2 FY2547—641

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q1 FY27$161M−$27.0M—−$70.9M−$42.8M$45.0M$3.0M−$13.3M$134M
Q4 FY26$303M−$20.5M—−$164M−$42.9M$120M$3.2M$8.5M$282M
Q3 FY26$186M−$16.5M—−$159M−$43.5M$70.0M$3.5M$7.6M$170M
Q2 FY26$153M−$21.2M—−$63.2M−$41.8M—$1.9M$8.0M$131M
Q1 FY26$121M−$8.9M−$42.4M−$62.0M−$42.1M$20.0M$3.1M$65.7M$112M
Q4 FY25$327M−$12.2M—$1K−$42.2M$95.0M$3.1M−$62.1M$315M
Q3 FY25$108M−$11.7M—−$18.0M−$42.3M$20.0M$3.5M−$14.2M$96.1M
Q2 FY25$89.6M−$16.7M—−$17.1M−$40.1M$10.0M$2.2M$17.6M$73.0M

Jack Henry & Associates: income statement and cash flow

Jack Henry & Associates, Q1 FY27: revenue $702M (+9% year over year), operating margin 29.5%. The chart follows the revenue to costs, profit and cash.

Jack Henry & Associates: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.