4 analysts' median target is $201[FMP target], stock is $146, +37.5% upside potential. After Q2 +19.6% EPS beat[FMP earnings], the stock moved -4.3%.
A = MoonshotScore 50[multi-pillar formula] + Council 4/6[6-lens rule]. Form 4: 0 transactions[FMP Form 4].
Q1 consensus: revenue $629.7M[FMP est], EPS $1.45[FMP est]. 5 consecutive quarters of beat[FMP earnings].
Q2 EPS +19.6% beat[FMP] but the stock -4.3% D+1[FMP D+1]. Mimi Carsley promised $16.5M CapEx + a sequential decline in Q1 during the Q2 earnings call[Mimi Carsley capex transcript].
Watchlist
Market Share Growth
market_share_growth
Over the past 8 years, our core market share among banks has increased by 17%, while our credit union market share has expanded by 40%.
"Over the past 8 years, our core market share among banks has increased by 17%, while our credit union market share has expanded by 40%."
- Gregory Adelson, President and CEO - Q2 FY26 Earnings Call - February 4, 2026
Fy26 Revenue Guidance
fy26_revenue_guidance
Jack Henry increased full year GAAP revenue growth guidance to a range of 5.6% to 6.3% for fiscal '26.
"Full year GAAP revenue growth guidance increased to a range of 5.6% to 6.3%."
- Mimi Carsley, CFO and Treasurer - Q2 FY26 Earnings Call - February 4, 2026
Revenue Growth
revenue_growth
Jack Henry produced record second quarter results with non-GAAP revenue of $611 million, up 6.7% over last year's second quarter.
"We produced record second quarter results with non-GAAP revenue of $611 million, up 6.7% over last year's second quarter."
- Gregory Adelson, President and CEO - Q2 FY26 Earnings Call - February 4, 2026
Margin Expansion
margin_expansion
Jack Henry's non-GAAP operating margin was 25.1%, representing a robust 355 basis points of margin expansion over last year's Q2.
"Our non-GAAP operating margin was 25.1%, representing a robust 355 basis points of margin expansion over last year's Q2."
- Gregory Adelson, President and CEO - Q2 FY26 Earnings Call - February 4, 2026
Core Sales Wins
core_sales_wins
Jack Henry's core sales team delivered an outstanding quarter with 22 competitive core wins. Of the 22 wins, 4 were financial institutions with over $1 billion in assets.
"Our core sales team delivered an outstanding quarter with 22 competitive core wins. Of the 22 wins, 4 were financial institutions with over $1 billion in assets"
- Gregory Adelson, President and CEO - Q2 FY26 Earnings Call - February 4, 2026
Trifecta Wins
trifecta_wins
68% of new core wins this quarter included digital and card processing as compared to 45% in Q2 fiscal year '25.
"68% of new core wins this quarter included digital and card processing as compared to 45% in Q2 fiscal year '25."
- Gregory Adelson, President and CEO - Q2 FY26 Earnings Call - February 4, 2026
Stock Expert AI - Methodology
multi-pillar methodology. Cash Runway and News Sentiment strong. Revenue Growth weak.
How is it calculated? ->6 investor frameworks. 4 bullish (Ray Dalio, Klarman, Buffett, Munger), 1 bearish (Ken Griffin), 1 neutral (Jim Simons).
How is it calculated? ->Quality business, discounted price.
How is it calculated? ->Past Performance
Q2 (February 4, 2026): EPS $1.71 vs $1.43 est[FMP], +19.6% beat. D+1 movement: -4.3%[FMP D+1]. Decline despite beat - market reacted to guidance, not numbers.
Q2: EPS $1.71 vs $1.43 beat[FMP], stock -4.3% D+1[FMP].
No RPO/backlog concentration disclosed in Q2 earnings call.
Q2 CapEx $16.5M[FMP cashflow]. Q2 op margin 24.4%[FMP op margin] - this level in Q1 is sensitive to CapEx revision risk.
Not advice - a structural framework for earnings night. Decision discipline is yours.
Market Outlook
You read it in 5 minutes. When the numbers come out on Tuesday evening - you know what you're looking at.
Data arrives at night. The framework is ready now.
Data arrives on Tuesday evening. The framework is ready on this page: Q1 EPS threshold $1.45[FMP], CapEx threshold "below $16.5M"[Mimi Carsley]. Two anchors, three scenarios.
Comparison Stock Expert AI Pro $24/month ($240/year), 77% cheaper than the total of three earnings-tracking tools ($1,059/year -> $240/year).
Seeking Alpha $299/yr - analyst opinions + earnings coverage TipRanks $360/yr - Smart Score (1-10) + analyst consensus + insider trades Trendspider $400/yr - AI pattern detection + automated TA + multi-timeframe alerts
Prices as of April 2026. Sources: seekingalpha.com/subscriptions - tipranks.com/pricing - trendspider.com/pricing
Stock Expert AI Pro: $24/month ($240/year). Council 7-lens analysis + MoonshotScore multi-pillar + Insider tracker + Technical levels - all in one platform, for every stock.
Educational tool, not investment advice. Past performance does not guarantee future results.
Calendar
DATA GAP: Events not in the FMP /stable/calendar feed - Investor day, analyst day, product launches, regulatory dates. These require company IR page scraping or manual calendar entry.
This Jack Henry & Associates, Inc. (JKHY) earnings preview covers the analyst consensus, key catalysts, and what to watch on the earnings call.
Consensus EPS, revenue guidance, segment growth rates, and the tone of management commentary — the full breakdown with sources is on this page.
Figures are sourced from Financial Modeling Prep (FMP) fundamentals and consensus data plus official earnings-call transcripts; derived metrics are labeled with their source next to each figure.
No. This page is educational research, not investment advice. It summarizes analyst consensus and company data; consult a licensed financial advisor before making any investment decision.