[Filing Information](index=1&type=section&id=Filing%20Information) This section outlines the company's administrative and filing specifics for the Form 8-K, including registrant details, report type, and registered securities [General Company and Filing Details](index=1&type=section&id=General%20Company%20and%20Filing%20Details) This section provides the foundational administrative details of the Form 8-K filing, including the registrant's legal name, the type of report, the date of the earliest event reported, and confirmation that the company is not an emerging growth company - Registrant: **JACK HENRY & ASSOCIATES, INC.**[1](index=1&type=chunk) - Form Type: **8-K, Current Report**[1](index=1&type=chunk) - Date of Report (Date of earliest event reported): **August 11, 2025**[1](index=1&type=chunk) - The registrant is not an emerging growth company[4](index=4&type=chunk) [Securities Information](index=1&type=section&id=Securities%20Information) This part details the specific class of securities registered by Jack Henry & Associates, Inc. pursuant to Section 12(b) of the Securities Exchange Act of 1934 Registered Securities | Title of each class | Ticker symbol(s) | Name of each exchange on which registered | | :------------------ | :--------------- | :---------------------------------------- | | Common Stock, $0.01 par value | JKHY | Nasdaq Global Select Market | [Event Disclosure](index=3&type=section&id=Event%20Disclosure) This section discloses the company's financial results, specifically deconversion revenue, for the fiscal fourth quarter and full fiscal year [Item 2.02 Results of Operations and Financial Condition](index=3&type=section&id=Item%202.02%20Results%20of%20Operations%20and%20Financial%20Condition) Jack Henry & Associates, Inc. announced the issuance of a press release on August 11, 2025, which disclosed the company's deconversion revenue for both the fiscal fourth quarter and the full fiscal year ended June 30, 2025 - On **August 11, 2025**, Jack Henry & Associates, Inc. issued a press release[5](index=5&type=chunk) - The press release announced deconversion revenue for the fiscal fourth quarter and full fiscal year ended **June 30, 2025**[5](index=5&type=chunk) - The text of the press release is attached as **Exhibit 99.1**[5](index=5&type=chunk) [Exhibits](index=3&type=section&id=Exhibits) This section lists the documents filed as exhibits to the Form 8-K, including the press release and interactive data file [Item 9.01 Financial Statements and Exhibits](index=3&type=section&id=Item%209.01%20Financial%20Statements%20and%20Exhibits) This section lists the documents filed as exhibits to the Form 8-K, specifically identifying the press release containing the financial results and the interactive data file Filed Exhibits | Exhibit Number | Description | | :------------- | :---------------------------------------------------------- | | 99.1 | Press Release dated August 11, 2025 | | 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) | [Signatures](index=4&type=section&id=Signatures) This section formally concludes the report, confirming its due signing by an authorized officer [Authorized Signatory](index=4&type=section&id=Authorized%20Signatory) This section formally concludes the report, confirming that it has been duly signed on behalf of Jack Henry & Associates, Inc. by an authorized officer - The report was signed on **August 11, 2025**[8](index=8&type=chunk) - Signed by **Mimi L. Carsley, Chief Financial Officer and Treasurer** of JACK HENRY & ASSOCIATES, INC.[8](index=8&type=chunk)

Core Insights - Jack Henry & Associates, Inc. reported record revenue and operating income for fiscal year 2025, reflecting strong performance in technology spending and sales wins for core and complementary solutions [5][6][7] - The company is well-positioned for long-term growth with a focus on culture, service, innovation, strategy, and execution as it enters fiscal year 2026 [5] Fiscal Year 2025 Summary - GAAP revenue for the fiscal year ended June 30, 2025, was $2,375.3 million, a 7.2% increase from $2,215.5 million in the prior fiscal year [7][8] - GAAP operating income increased by 16.2% to $568.7 million compared to $489.4 million in the previous year [9][12] - GAAP EPS rose to $6.24 per diluted share, up from $5.23 in the prior year, marking a 19.3% increase [13] Fourth Quarter Performance - For the fourth quarter ended June 30, 2025, GAAP revenue was $615.4 million, a 9.9% increase from $559.9 million in the same quarter of the previous year [7][14] - GAAP operating income for the fourth quarter increased by 23.9% to $155.7 million compared to $125.6 million in the prior year quarter [9][12] - Non-GAAP adjusted revenue for the fourth quarter was $594.9 million, reflecting a 7.5% increase year-over-year [14] Segment Performance - Core segment revenue increased by 10.3% in the fourth quarter, while payments segment revenue rose by 7.9% [11] - For the fiscal year, core segment revenue grew by 7.0%, and payments segment revenue increased by 6.8% [11] Guidance for Fiscal Year 2026 - The company provided guidance for fiscal year 2026, projecting GAAP revenue between $2,475 million and $2,504 million, representing a growth of 4.2% to 5.4% [2][35] - Non-GAAP adjusted revenue is expected to be between $2,459 million and $2,488 million, indicating a growth of 5.8% to 7.0% [35] Financial Position - Cash and cash equivalents increased to $102.0 million at June 30, 2025, compared to $38.3 million at June 30, 2024 [7][42] - The company had no outstanding debt as of June 30, 2025, down from $150.0 million in the previous year [7][42] - Stockholders' equity rose to $2,131 million at June 30, 2025, compared to $1,842 million at June 30, 2024 [42]

Core Insights - Jack Henry & Associates, Inc. (JKHY) is set to report its fourth-quarter fiscal 2025 results on August 19, with sales estimated at $602.6 million, reflecting a year-over-year growth of 7.6% [1][9] - The earnings consensus is projected at $1.46 per share, indicating a 5.8% increase from the previous year's quarter [1][9] - The company has consistently surpassed earnings estimates in the last four quarters, with an average surprise of 6.9% [2] Revenue Segments - The services and support category is expected to generate revenues of $340.4 million, marking a growth of 7.5% year-over-year [3] - The Core segment is projected to achieve revenues of $184.8 million, reflecting a 7.4% increase from the prior year, driven by migration to private cloud and growth in public cloud offerings [4] - The Payments segment is anticipated to report revenues of $224.9 million, indicating a year-over-year growth of 5.8%, supported by strong card transaction solutions and the expansion of faster payments infrastructure [5] - The Complementary segment is expected to see revenues of $172.4 million, representing an 11.1% increase from the previous year, driven by a diverse mix of solutions [6] Market Conditions - Ongoing tariff wars, geopolitical tensions, and macroeconomic pressures may have negatively impacted overall growth for JKHY in the upcoming quarter [6] - The company's current Earnings ESP is 0.00%, and it holds a Zacks Rank of 3, indicating a neutral outlook for earnings performance [7]

Wall Street analysts forecast that Jack Henry (JKHY) will report quarterly earnings of $1.46 per share in its upcoming release, pointing to a year-over-year increase of 5.8%. It is anticipated that revenues will amount to $602.59 million, exhibiting an increase of 7.6% compared to the year-ago quarter. The collective assessment of analysts points to an estimated 'Revenue- Complementary' of $171.65 million. The estimate points to a change of +10.6% from the year-ago quarter. Based on the collective assessmen ...

Cloud-native merchant acquiring solution is part of Jack Henry's SMB strategy MONETT, Mo., Aug. 14, 2025 /PRNewswire/ -- Jack Henry™ (Nasdaq: JKHY) today announced the initial launch of Tap2Local™, a new digital payments solution that enables banks and credit unions to meet the evolving needs of their small and medium-sized business (SMB) customers. Developed in collaboration with Moov, a modern digital payments processor, the cloud-native Tap2Local solution offers merchants many distinguishing features. Th ...

Core Insights - Jack Henry & Associates, Inc. reported deconversion revenue of $20.5 million for the fiscal fourth quarter ending June 30, 2025, leading to a total of $33.9 million for the full fiscal year 2025 [1][2] Group 1: Deconversion Revenue - The majority of deconversion revenue arises when a client is acquired by another financial institution, resulting in the termination of their contract with Jack Henry [2] - Deconversion revenue is influenced by factors outside of Jack Henry's control and does not reflect the core operations of the company [2] - Jack Henry excludes deconversion revenue from its non-GAAP revenue reported in quarterly and annual earnings releases [2] Group 2: Company Overview - Jack Henry is a financial technology company listed on the S&P 500, focusing on enhancing connections between financial institutions and their clients [4] - The company has been providing technology solutions for nearly 50 years, enabling clients to innovate and compete effectively [4] - Jack Henry serves approximately 7,400 clients, emphasizing user-centric innovation and insight-driven solutions to promote financial health [4]

The launch of MyFinancialHealth aligns with Jack Henry's mission to deepen the connection between accountholders and their primary financial institutions. By offering seamless access to embedded third-party solutions, Jack Henry helps reduce financial fragmentation, improve digital engagement, and position financial institutions as the central hub of their accountholders' financial lives. Oklahoma-based First Fidelity Bank is an early adoptor of the embedded free-to-premium suite. "It's easy to see the valu ...

"Jack Henry understands our vision and what it takes to cater to our members' diverse financial situations," said Ray Springsteen, CEO at Abound Credit Union. "Its open platform seamlessly integrates third-party solutions, enabling members to have the financial services they rely on, while easily adding new capabilities as needs change. This empowers us to focus our resources on serving Kentuckians for the next 75 years and beyond." Abound will leverage many of Jack Henry's complementary integrated solution ...

Core Insights - First Mid Bank & Trust, with nearly $8 billion in assets, is modernizing its technology infrastructure through a partnership with Jack Henry to enhance operational efficiency and support growth [1][2][4] - The bank has expanded from a rural institution to a full-service financial entity with over 80 branches across multiple states, focusing on both retail and commercial customers [2][6] - Jack Henry's technology will provide a scalable and flexible foundation, reducing manual tasks and streamlining workflows, while offering access to over 950 API-integrated third-party fintechs [3][4] Company Overview - First Mid Bank & Trust has a diversified portfolio that includes a full-service insurance agency and a wealth management division, reflecting its aggressive growth strategy over the past decade [2][6] - Jack Henry is an S&P 500 financial technology company that has been providing technology solutions for nearly 50 years, focusing on innovation and collaboration with financial institutions [5] Strategic Importance - The modernization of First Mid's technology stack is crucial for maintaining competitiveness in a rapidly changing environment, allowing the bank to innovate and better serve its customers [4][6] - Jack Henry's commitment to providing a future-ready platform aligns with First Mid's growth strategy, enabling the bank to continue expanding organically and through acquisitions [4][5]

Core Insights - The article discusses the journey to financial independence through disciplined living and strategic investing, highlighting the transition from financial struggle to freedom within a six-year period [2]. Group 1: Financial Independence Journey - The individual began blogging in 2011 about achieving financial independence by living below means and investing wisely [2]. - Achieved financial freedom at the age of 33 after starting from a position of being "below broke" at age 27 [2]. Group 2: Investment Focus - The content created focuses on dividend growth investing, emphasizing the importance of living off dividends and identifying undervalued high-quality dividend growth stocks [2]. - The strategy includes exploring high-yield investment opportunities and other long-term investment prospects [2].