Jack Henry Q4 2026: Beat, Margin Squeeze, and Bold FY2027 Targets
As seen on the 24/7 Wall St. homepage on August 18, 2026.
Management guided fiscal 2027 EPS to $7.33 to $7.38 on revenue of $2.68 billion to $2.71 billion, even as GAAP EPS fell 10% from a year ago. Q4 operating margin narrowed to 21.2% from 25.3% while faster payments revenue grew 49.5% for the year, the engine to watch on Wednesday's call.
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Jack Henry & Associates posted Q4 2026 GAAP diluted EPS of $1.57, exceeding expectations, even as deconversion revenue fell to $9.3 million from $20.5 million a year earlier.
Q4 operating margin narrowed to 21.2% from 25.3% a year ago on higher personnel costs and the deconversion revenue drop, while full-year free cash flow expanded to $539 million.
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Faster payments revenue surged 49.5% for the full fiscal year, and CEO Greg Adelson cited a record 58 competitive core wins for fiscal 2026 as evidence that bank and credit union technology spending remains strong.
Management guided fiscal 2027 GAAP EPS of $7.33 to $7.38, with full-year operating margin guidance of 24.5% to 24.7% implying a meaningful back-half recovery after tough first-half comparisons.
Mentioned: JKHY