--- canonical_url: https://www.stockexpertai.com/earnings/jkhy last_updated: 2026-05-09T16:18:12.591Z --- # Jack Henry & Associates, Inc. (JKHY) Q1 FY2027 Earnings Preview > This content was automatically generated with FMP live data + Q2 FY2026 earnings call transcript. Generated: 2026-05-09T16:18:12.130Z. Educational tool, not investment advice. --- ## Quick Summary | Field | Value | Source | |---|---|---| | Price | $145.84 (▼ -0.13%) | fmp:quote | | Market Cap | $10.6B | fmp:profile | | 52w range | $141.81 – $193.39 | fmp:quote | | Earnings | Tue 18 Aug | fmp:earnings-history | | EPS estimate | $1.45 (-17% YoY) | fmp:earnings-estimate | | Revenue estimate | $629.7M | fmp:earnings-estimate | | Beat streak | 5/4 | fmp:earnings-history | | Rating | A (overall 4/5) | fmp:ratings | | Analyst median target | $201 (+37.5% upside) | fmp:price-target-consensus | | MoonshotScore | 50/100 | derived | | Council | 4/6 bullish | derived | | Munger verdict | Undervalued | derived | ## Jack Henry & Associates, Inc. — Q1 FY2027 Expectations Q1 consensus: revenue $629.7M^{[FMP est]}, EPS $1.45^{[FMP est]}. 5 consecutive quarters of beat^{[FMP earnings]}. ## Quick Take **Score:** A · **Stance:** BUY · **Council:** 4/6 · **Moonshot:** 50 = MoonshotScore 50^{[9-pillar formula]} + Council 4/6^{[6-lens rule]}. Form 4: 0 transactions^{[FMP Form 4]}. ## Watchlist (6 metrics) ### 1. 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, Investor Focus · Q2 FY2026 ### 2. 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, Expectation / Guide · Q2 FY2026 ### 3. 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, Investor Focus · Q2 FY2026 ### 4. 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, Risk Indicator · Q2 FY2026 ### 5. 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, Investor Focus · Q2 FY2026 ### 6. 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, Investor Focus · Q2 FY2026 ## MoonshotScore Pillars | Pillar | Score | Level | Evidence | |---|---|---|---| | Revenue Growth | 2.0 | weak | Q3 vs Q4: moderate growth (+3.4%) | | Gross Margin | 4.0 | medium | Q3: average margin (42.8%) | | Operating Leverage | 2.0 | weak | op margin healthy (24.4%) | | Cash Runway | 10.0 | strong | FCF very strong ($0.2B, 10.3× CapEx) | | R&D Intensity | 5.0 | medium | average R&D (6.7%) | | Price Momentum | 4.0 | medium | RSI 35.9 weak momentum, 50d below | | News Sentiment | 8.0 | strong | strong buy consensus (75%) | **Formula:** sum(pillar.score) / (count * 10) * 100. Each pillar deterministic from FMP. Source maps in pillar.formula. ## Council (7-Lens) | Name | Stance | Context | |---|---|---| | Ray Dalio | bull | macro · target upside +37.5% | | Ken Griffin | bear | flow · 50d MA below | | Jim Simons | neutral | quant · RSI 36 | | Klarman | bull | value · target upside +37.5% | | Buffett | bull | quality · ROE score 5/5 | | Munger | bull | valuation · target upside +37.5% | **Formula:** Each lens uses deterministic rule on bundle data. Logged in member.contextTr. ## Munger Lens - **Verdict:** Undervalued - **Financial Health:** Strong - **Margin of Safety:** Strong - **Interest Coverage:** Adequate - **ROIC vs WACC:** Healthy **Formula:** verdict=upside>25?Undervalued:>0?Fairly Valued:Overvalued. Each lens deterministic from FMP ratings + priceTarget. ## Technical Levels - **RSI(14):** 35.9 — momentum zayıf — oversold yakınında değil ama alıcı baskısı az - **50d MA:** $158 — hisse %7.7 altında — kısa vadeli direnç - **200d MA:** $165 — hisse %11.6 altında — uzun vadeli baskı - **Volume (10d):** +12% ## Past Performance (4 Quarters) | Quarter | EPS Actual | EPS Estimate | Result | Reaction | |---|---|---|---|---| | Q4 FY25 | $1.75 | $1.58 | BEAT | +2.0% | | Q1 FY26 | $1.97 | $1.71 | BEAT | +4.9% | | Q2 FY26 | $1.72 | $1.43 | BEAT | +4.6% | | Q3 FY26 | $1.71 | $1.43 | +19.6% EPS | -4.3% | 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. ## 3 Scenarios ### Scenario A · Beat **Q1 EPS > $1.45 + CapEx discipline** Threshold: EPS > $1.45^{[FMP est]}. Target: Break above median target $201^{[FMP target]}; high target $220^[FMP] upper bound. ### Scenario B · In-Line **EPS ≈ $1.45 + CapEx < $16.5M** Threshold: EPS ≈ $1.45^{[FMP est]}, Q1 CapEx < $16.5M^[FMP]. Target: Consolidation in the band between current $146^[FMP] and median $201^[FMP]. ### Scenario C · Miss **EPS < $1.41 or CapEx ≥ $16.5M** Threshold: EPS < $1.41^{[FMP est×0.97]}. Target: Current $146 below SMA200 $165^[FMP], if rejection continues, $140^[derived] support activates. ## Risk Notes ### Primary segment below threshold Q2: EPS $1.71 vs $1.43 beat^[FMP], stock -4.3% D+1^[FMP]. ### Backlog concentration No RPO/backlog concentration disclosed in Q2 earnings call. ### Insider trading Form 4 data is marked in the table — this page does not generate assumptions for this stock. | Executive | Action | Amount | Date | |---|---|---|---| **Net:** — (0 transactions · 0 sells · 0 buys) · Q3 FY26 ### CapEx shock Q2 CapEx $16.5M^{[FMP cashflow]}. Q2 op margin 24.4%^{[FMP op margin]} — this level in Q1 is sensitive to CapEx revision risk. ## Wall Street Consensus - **Median target:** $201 (+37.5% upside vs current $146) - **High / Low:** $220 / $165 - **Buy / Hold / Sell:** 12 / 4 / 0 - **Analyst count:** 4 (last quarter), 27 all-time ## Additional Transcript Insights ### 1. revenue_growth **Claim:** Jack Henry produced record second quarter results with non-GAAP revenue of $611 million, up 6.7% over last year's second quarter. **Evidence (transcript):** "We produced record second quarter results with non-GAAP revenue of $611 million, up 6.7% over last year's second quarter." **Numbers:** $611 million, 6.7% ### 2. margin_expansion **Claim:** Jack Henry's non-GAAP operating margin was 25.1%, representing a robust 355 basis points of margin expansion over last year's Q2. **Evidence (transcript):** "Our non-GAAP operating margin was 25.1%, representing a robust 355 basis points of margin expansion over last year's Q2." **Numbers:** 25.1%, 355 ### 3. core_sales_wins **Claim:** 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. **Evidence (transcript):** "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" **Numbers:** 22, 4, $1 billion ### 4. trifecta_wins **Claim:** 68% of new core wins this quarter included digital and card processing as compared to 45% in Q2 fiscal year '25. **Evidence (transcript):** "68% of new core wins this quarter included digital and card processing as compared to 45% in Q2 fiscal year '25." **Numbers:** 68%, 45%, 25 ### 5. market_share_growth **Claim:** 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%. **Evidence (transcript):** "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%." **Numbers:** 8, 17%, 40% ### 6. fy26_revenue_guidance **Claim:** Jack Henry increased full year GAAP revenue growth guidance to a range of 5.6% to 6.3% for fiscal '26. **Evidence (transcript):** "Full year GAAP revenue growth guidance increased to a range of 5.6% to 6.3%." **Numbers:** 5.6%, 6.3%, 26 --- *Data source: FMP (live query, 2026-05-09), Q2 FY2026 earnings call transcript (Translated to EN with Gemini 2.0 Flash). Educational tool, not investment advice.*