Jack Henry & Associates (JKHY) Q4 FY2026 earnings: revenue $644 million, up 4.7% on the year

Jack Henry & Associates Inc. (JKHY) reported revenue of $644 million for Q4 FY2026, the quarter ended 30 June 2026, up 4.7% on the same quarter a year earlier. Net income was $111 million, down 12.8% on the year, and diluted earnings per share $1.57. The figures are the company's own, from the 10-K it filed with the SEC on 28 August 2026.

Revenue

$644 million

+4.7% on the year · +1.2% on the quarter

Q1 FY2025Q4 FY2026

Operating margin

21.2%

25.3% a year earlier

Q1 FY2025Q4 FY2026

Net income

$111 million

-12.8% on the year · -9.5% on the quarter

Q1 FY2025Q4 FY2026

Diluted EPS

$1.57

-10.3% on the year · -8.2% on the quarter

Q1 FY2025Q4 FY2026

this quarterthe same quarter a year earlierHover a bar for its figure.

What management said

Fourth-quarter revenue rose, operating income fell: GAAP revenue rose 4.7% to $644.0 million in the fourth quarter and GAAP operating income fell 12.2% to $136.8 million; diluted EPS was $1.57, against $1.75.
Full-year revenue and operating income grew: For fiscal 2026, GAAP revenue rose 7.1% to $2,544.3 million, GAAP operating income rose 11.7% to $635.0 million, and diluted EPS was $6.98, up 11.9%.
Fourth-quarter operating margin fell: Operating margin was 21.2% in the fourth quarter against 25.3%, and non-GAAP adjusted operating margin was 21.1% against 23.2%.

Read the earnings call summary

Income statement (profit and loss)

$ million	Q4 FY2026	Q3 FY2026	Q4 FY2025	On the quarter	On the year
Revenue	644	636	615	+1.2%	+4.7%
Cost of revenue	370	364	344	+1.7%	+7.6%
Gross profit	274	272	271	+0.6%	+0.9%
Gross margin	42.5%	42.8%	44.1%
Research and development	49.8	45.1	42.6	+10.5%	+17.0%
Selling, general and administrative	87.2	72.2	73.2	+20.9%	+19.2%
Operating income	137	155	156	-11.8%	-12.2%
Operating margin	21.2%	24.4%	25.3%
Pre-tax income	140	159	160	-11.9%	-12.6%
Income tax	28.5	35.6	32.3	-20.0%	-11.9%
Effective tax rate	20.4%	22.5%	20.2%
Net income	111	123	128	-9.5%	-12.8%
Net margin	17.3%	19.3%	20.7%
Diluted EPS	$1.57	$1.71	$1.75	-8.2%	-10.3%

$ million except per share.

Fourth quarters are the year less the first three quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow

$ million	Q4 FY2026	Q3 FY2026	Q4 FY2025	On the quarter	On the year
Operating cash flow	303	186	327	+62.7%	-7.5%
Capital expenditure	20.5	16.5	12.2	+24.0%	+68.3%
Free cash flow	282	170	315	+66.5%	-10.4%
Free cash flow margin	43.8%	26.6%	51.2%
Cash from investing	-57.6	-64.3	-55.8
Cash from financing	-254	-129	-209
Depreciation	10.9	10.5	10.6	+3.5%	+2.7%
Share-based compensation	9.5	8.2	6.0	+16.0%	+59.0%
Buybacks	164	159	-0.0	+2.9%
Dividends paid	42.9	43.5	42.2	-1.2%	+1.8%
Dividend per share	n/a	$0.61	n/a
Diluted shares, weighted	71m	72m	73m	-1.5%	-2.9%
Shares outstanding at period end	70m	71m	73m	-1.3%	-3.8%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet

$ million	Q4 FY2026	Q3 FY2026	Q4 FY2025	On the quarter	On the year
Shareholders' equity	2,052	2,135	2,131	-3.9%	-3.7%
Debt	40.0	90.0	0.0	-55.6%
Operating lease liabilities	28.9	37.0	41.8	-22.1%	-31.0%
Other liabilities	1,025	789	871	+29.9%	+17.6%
Total liabilities and equity	3,146	3,051	3,044	+3.1%	+3.3%
Fixed assets	220	214	221	+3.0%	-0.2%
Goodwill	828	828	805	0.0%	+2.9%
Cash and equivalents	12.1	20.6	102	-41.4%	-88.2%
Receivables	349	282	318	+23.6%	+9.8%
Other assets	1,736	1,706	1,598	+1.8%	+8.6%
Total assets	3,146	3,051	3,044	+3.1%	+3.3%

Questions

What was Jack Henry & Associates' revenue in Q4 FY2026?

Jack Henry & Associates (JKHY) reported revenue of $644 million for Q4 FY2026, the quarter ended 30 June 2026, up 4.7% on the same quarter a year earlier.

How much did Jack Henry & Associates earn in Q4 FY2026?

Net income for Q4 FY2026 was $111 million, down 12.8% on the year, and diluted earnings per share $1.57.

When did Jack Henry & Associates report Q4 FY2026 results?

Jack Henry & Associates filed its 10-K for the year that ended with the quarter on 28 August 2026; the fourth quarter is the year less the first three.

Quarterly results, the last 20 quarters

	Q2 FY2022	Q3 FY2022	Q4 FY2022 *	Q1 FY2023	Q2 FY2023	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026	Q3 FY2026	Q4 FY2026 *	Q1 FY2027
Revenue	494	478	483	529	505	509	535	571	546	539	560	601	574	585	615	645	619	636	644	702
Cost of revenue	283	282	287	298	305	307	309	323	321	328	327	343	333	341	344	349	351	364	370	376
Gross profit	211	196	196	231	201	201	226	248	225	210	233	258	241	245	271	296	268	272	274	326
Gross margin	43%	41%	41%	44%	40%	40%	42%	43%	41%	39%	42%	43%	42%	42%	44%	46%	43%	43%	43%	46%
R&D	29.9	30.7	34.0	33.0	36.6	34.6	38.5	36.9	35.5	36.0	39.9	39.7	41.1	39.4	42.6	39.3	42.2	45.1	49.8	45.8
SG&A	55.5	53.6	58.1	57.2	56.8	58.2	63.1	78.8	70.3	62.2	67.1	66.6	76.9	66.3	73.2	72.8	67.0	72.2	87.2	72.6
Operating income	126	112	104	141	107	108	124	133	119	112	126	151	123	139	156	184	159	155	137	207
Operating margin	25%	23%	21%	27%	21%	21%	23%	23%	22%	21%	22%	25%	21%	24%	25%	29%	26%	24%	21%	30%
Interest expense	0.4	0.7	1.0	1.6	3.4	4.7	5.4	4.2	3.9	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pre-tax income	125	111	103	139	105	106	124	133	120	114	130	157	127	142	160	190	164	159	140	211
Tax rate	24%	24%	22%	24%	23%	23%	21%	24%	24%	24%	22%	24%	23%	22%	20%	24%	24%	22%	20%	24%
Net income	95.7	84.7	80.4	107	80.8	81.5	97.8	102	92.0	87.1	101	119	97.8	111	128	144	125	123	111	160
Net margin	19%	18%	17%	20%	16%	16%	18%	18%	17%	16%	18%	20%	17%	19%	21%	22%	20%	19%	17%	23%
Diluted EPS	$1.30	$1.16	$1.10	$1.46	$1.10	$1.12	$1.34	$1.39	$1.26	$1.19	$1.38	$1.63	$1.34	$1.52	$1.75	$1.97	$1.72	$1.71	$1.57	$2.28
Operating cash flow	90.8	104	203	137	53.9	16.3	175	157	81.5	97.6	232	117	89.6	108	327	121	153	186	303	161
Capital expenditure	13.1	6.0	6.3	7.7	9.6	9.9	11.9	7.6	16.8	9.9	23.8	12.8	16.7	11.7	12.2	8.9	21.2	16.5	20.5	27.0
Free cash flow	77.7	98.0	197	129	44.2	6.5	163	150	64.7	87.7	208	104	73.0	96.1	315	112	131	170	282	134
Buybacks	194	-0.0	0.0	0.0	0.0	25.0	0.0	20.0	0.0	0.0	8.1	0.0	17.1	18.0	-0.0	62.0	63.2	159	164	70.9
Dividends paid	33.7	35.7	35.7	35.7	35.7	37.9	37.9	37.9	37.9	40.1	40.1	40.1	40.1	42.3	42.2	42.1	41.8	43.5	42.9	42.8
Shares outstanding	73m	73m	73m	73m	73m	73m	73m	73m	73m	73m	73m	73m	73m	73m	73m	72m	72m	71m	70m	70m
Filing	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

10-K for the period ended 30 June 2026, filed 28 August 2026: the filing.