2025 Cobalt Award Winners Accessibility StatementSkip Navigation Financial institutions and fintechs honored for innovation, impact, and empowering financial freedom MONETT, Mo., Sept. 10, 2025 /PRNewswire/ --Â Jack Henryâ"¢ (Nasdaq: JKHY) is proud to announce the winners of the 2025 Cobalt Awards –Â six financial institutions and fintechs that are redefining what it means to serve their communities through innovation, integration, and education. This year's honorees –Â Bangor Savings Bank, Bits of Stock, D ...

Alliance enables banks and credit unions to offer fractional stock rewards and round-ups on everyday transactions, building consumer loyalty and a path to financial wellness MONETT, Mo. , Sept. 8, 2025 /PRNewswire/ --Â Jack Henryâ"¢ (Nasdaq: JKHY) announced a strategic alliance with Bits of Stock, enabling financial institutions to provide fractional shares of stock as rewards on everyday spending. ...

Core Insights - Equipifi has joined Jack Henry's Fintech Integration Network (FIN), allowing it to expand its Buy Now, Pay Later (BNPL) platform to more financial institutions by integrating with SilverLake System [1][4] - The integration utilizes jXchange™, which provides secure access to core data and business rules, ensuring data integrity and consistent data exchange [2] - This partnership enables faster deployment of equipifi's BNPL solution, allowing financial institutions to modernize their offerings and enhance customer engagement [3] Company Overview - Equipifi is recognized as the leading BNPL platform for financial institutions in the U.S., offering a white label solution that aligns with consumer payment preferences and financial goals [6] - Jack Henry & Associates, Inc. is a financial technology company that provides technology solutions to approximately 7,400 clients, focusing on innovation and user-centric services [5]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to ________________ Commission file number 0-14112 JACK HENRY & ASS ...

MONETT, Mo., Aug. 25, 2025 /PRNewswire/ -- Jack Henry & Associates, Inc.® (NASDAQ: JKHY) today announced its Board of Directors declared a regular quarterly cash dividend of $.58 per share. The cash dividend on its common stock, par value $.01 per share, is payable on September 26, 2025, to stockholders of record as of September 5, 2025. About Jack Henry & Associates, Inc.®Jack Henry™ (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions an ...

Group 1 - Jack Henry & Associates, Inc. (NASDAQ: JKHY) experienced a lackluster day for shareholders on August 20th following the financial results announcement for the final quarter on August 19th [1] - The financial results reported by management may have implications for the company's future performance and investor sentiment [1] Group 2 - Crude Value Insights provides an investing service focused on oil and natural gas, emphasizing cash flow and companies that generate it [1] - The service aims to identify value and growth prospects within the oil and gas sector [1]

Core Insights - Jack Henry & Associates (JKHY) reported fourth-quarter fiscal 2025 GAAP earnings of $1.75 per share, exceeding the Zacks Consensus Estimate by 19.9% and reflecting a year-over-year increase of 26.4% [1][9] - The company's revenues for the quarter reached $615.4 million, surpassing the Zacks Consensus Estimate by 1.6% and showing a year-over-year growth of 9.9% [1][9] - Non-GAAP revenues, after adjusting for deconversion revenues of $20.5 million, were $594.9 million, representing a 7.5% increase year over year [1] Revenue Breakdown - Revenues from Services and Support, accounting for 57.1% of total revenues, were $351.2 million, up 10.9% year over year, driven by growth in data processing and hosting revenues [3] - Processing revenues, which made up 42.9% of total revenues, were $264.1 million, an increase of 8.6% year over year, primarily due to growth in card, transaction, and digital payment processing revenues [4] - Core segment revenues were $189.7 million, up 10.3% year over year, while Payments revenues rose 7.9% to $229.3 million, and Complementary revenues increased 12.9% to $175.1 million [5] Profitability Metrics - Adjusted EBITDA for the fourth quarter was $189.2 million, reflecting a year-over-year increase of 10.9%, with an adjusted EBITDA margin expanding by 100 basis points to 31.8% [6] - Adjusted operating income rose 14.8% year over year to $137.8 million, with the adjusted operating margin increasing by 150 basis points to 23.2% [6] Balance Sheet and Cash Flow - As of June 30, 2025, the company's cash and cash equivalents stood at $102 million, a significant increase from $39.9 million as of March 31, 2025 [7] Future Guidance - For fiscal 2026, Jack Henry & Associates has initiated GAAP revenue guidance of $2.50-$2.48 billion, with non-GAAP revenues expected to be $2.48-$2.46 billion [8] - The Zacks Consensus Estimate for revenues is $2.53 billion, indicating a year-over-year growth of 6.7% [8] - GAAP earnings are projected to be in the range of $6.44-$6.32 per share, with a year-over-year increase of 5.1% expected [10]

Financial Performance - In Q4, non-GAAP revenue increased by 7.5% and non-GAAP operating margin was 23.2%, reflecting a margin expansion of 146 basis points year-over-year [8][9] - For the fiscal year, non-GAAP revenue reached $2.3 billion and non-GAAP operating income was $541.1 million, marking record revenue and operating income [9][25] - GAAP revenue for Q4 increased by 10%, while full year growth was 7% on a GAAP basis and 6% on a non-GAAP basis [25] Business Segment Performance - Core non-GAAP segment revenue increased by 7% for Q4, with operating margin increasing by 274 basis points [32] - Payments non-GAAP segment revenue grew by 6% for both Q4 and the full year, with non-GAAP margin expansion of 99 basis points [33] - Complementary segment non-GAAP quarterly revenue increased by 11%, with a margin expansion of 155 basis points [34] Market Dynamics - The company signed 51 new core deals in fiscal year 2025, including 31 banks and 20 credit unions, indicating strong sales momentum [11] - The company now hosts 77% of its core clients in its private cloud environment, reflecting a shift towards cloud solutions [11] - The company anticipates slight revenue headwinds from industry consolidation and renewal pricing pressure [9][10] Strategic Direction - The company is focused on technology innovation and execution to drive sales and maintain long-term positioning [9][23] - A strategic phased approach is being taken to support stablecoin solutions through banking clients, ensuring compliance with upcoming regulations [21][22] - The company aims to leverage its technology modernization strategy to enhance operational efficiency and reduce costs [20][89] Management Commentary - Management expressed confidence in the company's ability to achieve solid margin expansion and strong free cash flow metrics despite macroeconomic uncertainties [9][10] - The management highlighted the importance of maintaining a people-first culture and commitment to client service as key differentiators in the market [7][13] - Management noted that while there are short-term revenue headwinds from bank mergers and acquisitions, the long-term growth opportunities remain intact [66][68] Other Important Information - The company achieved a record operating cash flow of $642 million for fiscal year 2025, with free cash flow conversion at 90% [34] - The company has zero debt at fiscal year-end, providing flexibility for future capital deployment [35][109] - The annual customer conference, Jack Henry Connect, is expected to drive higher revenue in Q1 of fiscal year 2026 [40] Q&A Session Summary Question: Aggregate demand environment and implementation cycles - Management noted that demand remains strong with 51 core wins, and some implementation delays have improved compared to the previous quarter [44][46] Question: Revenue guidance range - Management explained that the wider guidance range allows for more operational flexibility in light of macroeconomic variables [48][50] Question: Fiscal 2026 revenue outlook by segment - Management expects solid growth in the core segment, slightly below long-term targets for payments, and strong growth in the complementary segment [55] Question: Impact of bank M&A on revenue outlook - Management indicated that while there are short-term impacts from bank M&A, the long-term growth opportunities remain solid [58][66] Question: Pricing pressure on renewals - Management acknowledged ongoing pricing pressure but emphasized their focus on improving renewal processes and maintaining competitiveness [76][78] Question: Progress of partnership with Move - Management reported that the partnership has exceeded expectations, with significant interest and excitement from Visa and MasterCard [80][82] Question: Margin expansion drivers - Management highlighted process improvement, efficiency, and cloud migration as key components driving margin expansion [87][89] Question: Free cash flow and capital allocation - Management expressed plans to increase share repurchases and remain open to M&A opportunities due to improved free cash flow and zero debt [109]

Financial Data and Key Metrics Changes - In Q4, non-GAAP revenue increased by 7.5%, and non-GAAP operating margin was 23.2%, reflecting a margin expansion of 146 basis points compared to the previous year [7][8] - For the fiscal year, non-GAAP revenue reached $2.3 billion, and non-GAAP operating income was $541.1 million, marking record revenue and operating income [8][24] - GAAP revenue for Q4 increased by 10%, while full-year growth was 7% on a GAAP basis and 6% on a non-GAAP basis [24][25] Business Line Data and Key Metrics Changes - Core non-GAAP segment revenue increased by 7% for Q4, with operating margin increasing by 274 basis points [31] - Payments non-GAAP segment revenue grew by 6% for both Q4 and the full year, with non-GAAP margin expansion of 99 basis points [33] - Complementary segment non-GAAP quarterly revenue increased by 11%, with a margin expansion of 155 basis points [34] Market Data and Key Metrics Changes - The company signed 51 new core deals in fiscal year 2025, including 31 banks and 20 credit unions, indicating strong market demand [10] - The company now hosts 77% of its core clients in its private cloud environment, reflecting a shift towards cloud solutions [10] - Total recurring revenue exceeded 91%, showcasing the stability of the revenue model [28] Company Strategy and Development Direction - The company is focused on technology innovation and execution to drive sales and maintain a competitive edge in the market [8][22] - A strategic phased approach to stablecoin solutions is being adopted, ensuring compliance with upcoming regulations while leveraging existing infrastructure [20][21] - The company aims to increase share repurchases and remain open to M&A opportunities, supported by a strong balance sheet with zero debt [34][107] Management's Comments on Operating Environment and Future Outlook - Management anticipates slight revenue headwinds due to industry consolidation, renewal pricing pressure, and macroeconomic uncertainty, but remains optimistic about margin expansion and free cash flow [8][39] - The company expects to generate sustainable, accretive sources of margin, with guidance for annual non-GAAP margin expansion of 20 to 40 basis points [38][39] - Management emphasized that the long-term growth opportunities remain intact despite short-term headwinds from bank M&A activity [66][67] Other Important Information - The company achieved a record operating cash flow of $642 million for fiscal year 2025, with free cash flow conversion at an impressive 90% [34] - The company received recognition in multiple publications for its workplace culture, reflecting its commitment to employee satisfaction [12] - The successful migration of Fedwire funds to ISO 20022 was highlighted as a significant achievement, enhancing capabilities in fraud detection and data sharing [13] Q&A Session Summary Question: Aggregate demand environment and implementation cycles - Management noted improvements in consulting engagements and implementation cycles, with some delays from the previous quarter now resolved [46][48] Question: Revenue guidance range - The wider revenue guidance range was introduced to provide more operational flexibility in light of macroeconomic variables [50][51] Question: Fiscal 2026 revenue outlook by segment - Core segment is expected to remain solid, while payments may experience slight headwinds, and complementary segment is anticipated to grow at the higher end of the growth range [55][57] Question: Impact of bank M&A on revenue outlook - Management indicated that while there are short-term revenue headwinds from bank M&A, the long-term growth opportunities remain solid [60][66] Question: Pricing pressure on renewals - Pricing pressure is observed in both renewals and new contracts, but management is implementing strategies to manage this effectively [77][80] Question: Progress of partnership with Move - The partnership has exceeded expectations, with significant interest and excitement from Visa and MasterCard regarding the rapid certification process [82][84] Question: Key levers for margin expansion - Key components for margin expansion include process improvement, efficiency in headcount management, and migration to cloud solutions [88][91]

分组1 - Jack Henry reported quarterly earnings of $1.75 per share, exceeding the Zacks Consensus Estimate of $1.46 per share, and showing an increase from $1.38 per share a year ago, resulting in an earnings surprise of +19.86% [1] - The company achieved revenues of $615.37 million for the quarter ended June 2025, surpassing the Zacks Consensus Estimate by 1.50% and increasing from $559.91 million year-over-year [2] - Jack Henry has consistently surpassed consensus EPS estimates over the last four quarters, achieving this four times [2] 分组2 - The stock has underperformed the market, losing about 8.3% since the beginning of the year, while the S&P 500 has gained 9.7% [3] - The current consensus EPS estimate for the upcoming quarter is $1.65, with expected revenues of $642.22 million, and for the current fiscal year, the EPS estimate is $6.14 on revenues of $2.53 billion [7] - The Zacks Industry Rank indicates that the Computers - IT Services sector is currently in the bottom 39% of over 250 Zacks industries, which may impact stock performance [8]