Jack Henry & Associates

Q4 FY2026 EarningsQ4 FY26 results were mixed, with GAAP revenue of $644.0M slightly beating the $631.4M consensus, while GAAP EPS of $1.57 significantly beat the $1.46 mean expectation. However, operating performance showed signs of pressure, with GAAP operating income down 12.2% YoY due to higher personnel and medical costs. While FY26 full-year growth remained solid at 7.1%, the FY27 EPS guidance of $7.33–$7.38 reflects a moderate growth outlook as management warns of tough margin comparisons in the coming year.