Filing Flows › Jack Henry & Associates (JKHY) › Q3 FY26
Jack Henry & Associates (JKHY) Q3 FY26 earnings results (third quarter fiscal 2026)
10-Q filed May 7, 2026
Jack Henry & Associates (JKHY) reported revenue of $636M for the third quarter fiscal 2026 (Q3 FY26), +9% from a year earlier and +3% from the quarter before. Operating margin was 24.4%, net earnings $123M (19.3% of revenue).
Jack Henry & Associates, Q3 FY26: revenue $636M (+9% year over year), operating margin 24.4%, net earnings $123M, operating cash flow $186M. The chart follows the revenue to costs, profit and cash.
| Q3 FY26 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $636M | +3% | +9% |
| Operating profit | $155M | -3% | +12% |
| Net earnings | $123M | -1% | +11% |
| Operating cash flow | $186M | +22% | +72% |
| Free cash flow | $170M | +29% | +76% |
What changed
Revenue was $636.2M in Q3 FY26, up 9% year over year and up 3% from the previous quarter. Processing was the largest line at 43% of revenue. Product Delivery and Services added $20.1M year over year (up 35%), 39% of the total change. On-Premise Support declined 4%.
Operating profit was $155.0M, a 24.4% margin (up 0.7 points year over year). Of the extra revenue versus Q3 FY25, 32% reached operating profit, above the 24% margin then. Total costs grew 8% against revenue growth of 9%. The fastest-growing cost line was Research & development (+14%). Net earnings were $122.9M, up 11% year over year. The effective tax rate was 22.5%.
Operating cash flow was $186.0M (up 72% year over year), 151% of net earnings. Non-cash charges added back $10.5M of depreciation and $8.2M of share-based compensation. Working capital and other items added $44.4M. Capital expenditures of $16.5M left free cash flow of $169.5M.
Questions
What was Jack Henry & Associates' revenue in the third quarter fiscal 2026?
Jack Henry & Associates (JKHY) reported revenue of $636M for the third quarter fiscal 2026 (Q3 FY26), +9% from a year earlier and +3% from the quarter before.
Was Jack Henry & Associates profitable in the third quarter fiscal 2026?
Operating profit was $155M (24.4% of revenue) and net earnings $123M.