[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]

Core Insights - Wall Street analysts forecast Jack Henry (JKHY) will report quarterly earnings of $1.46 per share, reflecting a year-over-year increase of 5.8% [1] - Anticipated revenues are projected to be $602.59 million, showing a 7.6% increase compared to the same quarter last year [1] Earnings Estimates - Over the last 30 days, there has been no revision in the consensus EPS estimate for the quarter, indicating stability in analysts' forecasts [2] - Changes in earnings estimates are crucial for predicting investor reactions, with empirical studies showing a strong relationship between earnings estimate revisions and short-term stock performance [3] Revenue Projections - Analysts estimate 'Revenue- Core' to reach $185.97 million, representing an 8.1% year-over-year change [5] - 'Revenue- Corporate & Other' is forecasted at $19.97 million, indicating a slight decline of 0.8% year-over-year [5] - 'Revenue- Complementary' is projected to be $171.65 million, reflecting a 10.6% increase from the previous year [5] Segment Income Estimates - 'Revenue- Payments' is expected to be $227.46 million, with a year-over-year increase of 7% [6] - 'Segment Income- Core' is projected at $113.06 million, up from $102.14 million in the same quarter last year [6] - 'Segment Income- Complementary' is estimated to reach $102.90 million, compared to $90.85 million a year ago [6] - The consensus estimate for 'Segment Income- Payments' stands at $110.13 million, up from $100.81 million in the same quarter last year [7] Stock Performance - Shares of Jack Henry have shown a return of -8% over the past month, contrasting with the Zacks S&P 500 composite's +3.5% change [7] - Jack Henry holds a Zacks Rank 3 (Hold), suggesting it is expected to mirror overall market performance in the near future [7]

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]

Core Insights - Jack Henry™ has launched MyFinancialHealth, a suite of financial health tools for over 1,000 banks and credit unions on the Banno Digital Platform™, enhancing their embedded offerings [1][3] - The platform operates on a free-to-premium model, allowing financial institutions to provide essential features at no cost, with optional paid upgrades for enhanced services [2][5] - The initiative aims to strengthen the connection between accountholders and their financial institutions, reducing financial fragmentation and improving digital engagement [3][6] Product Features - MyFinancialHealth includes tools for credit monitoring, identity protection, privacy management, and subscription management, all accessible in one platform [1][4] - Users engage with the platform an average of 2.2 times per month, with many opting for premium services that offer additional protection [4] - Financial institutions can offer core tools for free while creating new revenue opportunities through optional upgrades [4][5] Market Positioning - The launch aligns with Jack Henry's mission to enhance user experience and trust through innovative technology and data-driven insights [5][6] - Early adopter First Fidelity Bank highlights the value of providing comprehensive financial health tools to customers, reinforcing the bank's position as a one-stop financial service provider [4] - The expansion of embedded tools is part of a broader strategy to help financial institutions deliver exceptional user experiences with minimal effort [5][6]

Company Announcement - Jack Henry & Associates, Inc. will host a live webcast for its fourth quarter and full fiscal year 2025 earnings conference call on August 20, 2025 [1] - The press release for fiscal 2025 earnings will be issued after market close on August 19, 2025 [1] Webcast Details - The live webcast will start at 7:45 a.m. Central (8:45 a.m. Eastern) and can be accessed on the Jack Henry website [2] - Participants are advised to log on 10 minutes prior to the call, with US dial-in number (833) 630-0605 and international number +1 412-317-1830 [2] - An archived replay of the earnings call will be available approximately one hour after the live call [2] Deconversion Revenue - The company will release quarterly deconversion revenue results prior to the earnings results, with the press release scheduled for August 11, 2025 [3] Company Overview - Jack Henry is a financial technology company that connects financial institutions with their clients, serving approximately 7,500 clients [4] - The company has been providing technology solutions for nearly 50 years, focusing on innovation, collaboration, and user-centric services [4]

Core Insights - Abound Credit Union has selected Jack Henry's Symitar core platform to modernize its banking experience for over 130,000 members in Kentucky [1][2] - The credit union, with $2.4 billion in assets, aims to attract younger generations and meet evolving member needs through a flexible technology platform [2][3] - Jack Henry's open, cloud-native platform will enable Abound to integrate third-party solutions and enhance its service offerings [3][4] Company Overview - Jack Henry & Associates, Inc. is a financial technology company listed on Nasdaq, focusing on strengthening connections between financial institutions and their clients [5] - The company has been providing technology solutions for nearly 50 years, empowering around 7,500 clients to innovate and compete effectively [5]

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]