Core Insights - Jack Henry & Associates reported Q4 fiscal 2025 GAAP earnings of $1.75 per share, exceeding estimates by 19.9% and showing a year-over-year increase of 26.4% [2] - Revenues for the same quarter reached $615.4 million, surpassing estimates by 1.6% and reflecting a 9.9% year-over-year growth [2] - Adjusted EBITDA for Q4 was $189.2 million, up 10.9% year over year, with an adjusted EBITDA margin of 31.8%, an increase of 100 basis points [6] Revenue Breakdown - Service and Support revenues accounted for 57.1% of total revenues, totaling $351.2 million, a 10.9% increase year over year [3] - Processing revenues made up 42.9% of total revenues, amounting to $264.1 million, an 8.6% year-over-year growth [4] - Core segment revenues were $189.7 million, up 10.3% year over year, while Payments revenues reached $229.3 million, increasing by 7.9% [5] Financial Guidance - For fiscal 2026, Jack Henry has set GAAP revenue guidance between $2.50 billion and $2.48 billion, with non-GAAP revenues expected to be between $2.48 billion and $2.46 billion [8] - The anticipated GAAP operating margin is between 24.2% and 24%, while the adjusted operating margin is expected to range from 23.6% to 23.4% [8] Market Performance - Over the past month, Jack Henry's shares have declined by approximately 2.5%, underperforming the S&P 500 [1] - Estimates for the company have trended downward recently, indicating a potential shift in market sentiment [10][12] Industry Context - Jack Henry operates within the Zacks Computers - IT Services industry, where Serve Robotics Inc. has recently reported a revenue increase of 36.2% year over year [13] - Serve Robotics Inc. has a Zacks Rank of 4 (Sell), contrasting with Jack Henry's Zacks Rank of 3 (Hold), suggesting differing market perceptions within the same industry [14]