Jack Henry Reports Q4 EPS Miss, Issues FY27 Guidance Below Consensus
JKHY sits 26% above its 52-week low of $121.04.
Summary
Jack Henry reported Q4 FY2026 EPS of $1.57, down 10.2% YoY, and issued FY2027 EPS guidance of $7.33-$7.38, below current consensus. Full-year revenue grew 7.1% but operating margin contracted in Q4.
Key Events · Earnings and Guidance · JKHY
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Q4 EPS Misses Prior Year
GAAP EPS of $1.57 for Q4 FY2026, down 10.2% from $1.75 in Q4 FY2025, on a 12.2% decline in GAAP operating income.
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FY2027 Guidance Implies Deceleration
Company guides FY2027 GAAP EPS to $7.33-$7.38, representing only 5.0%-5.7% growth versus 11.9% in FY2026; non-GAAP adjusted revenue growth guided to 6.3%-7.3%.
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Aggressive Buybacks Pressure Balance Sheet
Stock repurchases totaled $448M in FY2026, including $164M in Q4 at an average price of $140; cash fell to $12.1M and $40M was drawn on credit facilities.
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Full-Year Results Solid but Margin Compression
FY2026 GAAP revenue grew 7.1% to $2.544B and GAAP EPS grew 11.9% to $6.98, but Q4 operating margin contracted to 21.2% from 25.3% a year ago.
Analysis · JKHY · Technology
Jack Henry's Q4 GAAP EPS of $1.57 missed the prior-year quarter by 10.2%, driven by a 12.2% drop in GAAP operating income. Full-year results were solid with 11.9% EPS growth, but the FY2027 guidance of $7.33-$7.38 GAAP EPS implies only 5.0%-5.7% growth, a notable deceleration. The company also drew $40M on its credit facility while cash fell to $12.1M, reflecting aggressive buybacks ($448M for the year) that reduced equity. The market will focus on the margin compression and softer forward outlook.
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At the time of this filing, JKHY was trading at $153.00 on NASDAQ in the Technology sector, with a market capitalization of approximately $10.9B. The 52-week trading range was $121.04 to $193.39. This filing was assessed with negative market sentiment and an importance score of 7 out of 10.