NASDAQFinancialsInformation Technology ServicesSnapshot 2026-07-08
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Track JKHY free→Intact: The reason to own it still holds.
Jack Henry grows revenue about 8.7% yearly and raised full year revenue guidance to $2.485 billion. Profit margin expanded to 24.4%, above prior 23.7%. EPS rose 12.2% to $1.71 last quarter, with full year EPS guidance raised to $6.83. The company supports shareholders with a $5 million share buyback expansion.
Growth could slow below analyst expectations near 6.6%. Margin expansion may stall if costs rise. CEO transition may cause uncertainty. Buyback progress is mixed and may not offset valuation risks.
The price is about 7% above our fair value near $137, reflecting roughly 7% revenue growth expected by analysts. Our fair value is 19% below the Street median, indicating the market prices in stronger growth than our model supports.
Breaks if: No further buyback expansions or buybacks halted
The company has expanded its stock repurchase program to enhance shareholder value.
Standing thesis, reviewed periodically — not a price target or advice.
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Breaks if: Full year EPS falls below $6.0
Management has increased the full year EPS guidance based on strong financial performance.
Stated in 4 of last 4 quarters. EPS increased from $1.52 in 2025-Q3 to $1.71 in 2026-Q3, reflecting a 12.2% growth. This aligns with management's increased EPS guidance, indicating effective execution on this priority.
“We have increased our full year GAAP EPS guidance.”
“GAAP EPS $6.61 $6.72.”
“GAAP EPS $6.38 $6.49.”
“GAAP EPS $6.00 $6.09.”
Breaks if: Operating margin falls below 23.5%
Management is focused on expanding the operating margin guidance for the fiscal year.
Stated in 4 of last 4 quarters. Operating margin increased from 23.7% in 2025-Q3 to 24.4% in 2026-Q3, showing a positive trajectory. Management's focus on margin expansion is delivering results, consistent with their guidance.
“We have increased our full year non-GAAP margin expansion guidance.”
“Operating margin 24.3% 24.5%.”
“Operating margin 23.9% 24.1%.”
“GAAP OPERATING MARGIN 23.5% 23.7%.”
Breaks if: Full year revenue falls below $2.35 billion
Management aims to increase the full year revenue guidance based on positive outlook and performance.
Stated in 4 of last 4 quarters. Revenue increased from $585.1M in 2025-Q3 to $636.2M in 2026-Q3, reflecting an 8.7% growth. The trajectory aligns with management's increased revenue guidance, indicating delivery on this priority.
“Based on our positive outlook, we have increased our full year non-GAAP revenue guidance.”
“Full year fiscal 2026 guidance: Revenue $2,508 $2,525.”
“Full year fiscal 2026 guidance: Revenue $2,491 $2,514.”
“GAAP REVENUE $2,353 $2,370.”
