Every material Form 8-K Jack Henry & Associates has filed with the SEC since August 11, 2025, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Jack Henry & Associates reported GAAP revenue of $701.5 million for the fiscal first quarter ended September 30, 2026, up 8.8% from a year earlier, and GAAP diluted EPS of $2.28, up 15.6% from $1.97. The company also set fiscal 2027 GAAP EPS guidance of $7.47 to $7.51, which shareholders can compare against future results.
GAAP revenue rose 8.8% to $701.5 million; GAAP operating income rose 12.5% to $207.1 million.
GAAP diluted EPS was $2.28 versus $1.97 a year earlier; GAAP net income rose 11.4% to $160.4 million.
Fiscal 2027 GAAP EPS guidance is $7.47 to $7.51, with GAAP revenue guidance of $2,698 million to $2,718 million.
Debt outstanding on credit facilities was $85 million at September 30, 2026, up from $20 million a year earlier; cash was $25.4 million, down from $36.2 million.
Jack Henry & Associates announced that its deconversion revenue for the fiscal first quarter ended September 30, 2026, was $17.9 million. Based on these results, the company estimates fiscal year 2027 deconversion revenue at $30.0 million. This revenue is largely driven by client acquisitions resulting in contract terminations and is excluded from non-GAAP revenue.
Fiscal first quarter ended September 30, 2026, deconversion revenue was $17.9 million.
Deconversion revenue estimate for fiscal year 2027 is $30.0 million.
Deconversion revenue is excluded from non-GAAP revenue reported in earnings releases.
Jack Henry & Associates appointed Richard N. Preece, CEO of Liminex (GoGuardian), as a director effective August 20, 2026, filling the seat left when David B. Foss retired on July 15, 2026. The board is also shrinking from ten directors to nine before the 2026 annual meeting, and director Wes Brown, who has reached age 72, will not stand for reelection under the company's mandatory retirement rules.
Richard N. Preece, age 51, appointed director effective August 20, 2026, and named to the Human Capital & Compensation and Risk & Compliance committees
Board size reduced from ten to nine directors, effective immediately before the 2026 Annual Meeting of Stockholders
Wes Brown will not stand for reelection under the Corporate Governance Guidelines mandatory retirement restrictions
Preece to receive a prorated director RSU award of about $45,479, a $70,000 annual cash retainer, and $15,000 annual retainers for each of his two committee seats
Jack Henry reported fourth-quarter and full-year fiscal 2026 results for the period ended June 30, 2026. Full-year GAAP revenue and diluted EPS rose, but fourth-quarter GAAP operating income and EPS declined from the prior year quarter. The company also issued fiscal 2027 GAAP EPS guidance of $7.33 to $7.38, which assumes no acquisitions or dispositions, and it spent $448 million on stock repurchases during the fiscal year.
Fourth-quarter GAAP revenue rose 4.7% to $644 million, while GAAP operating income fell 12.2% to $137 million and GAAP EPS fell to $1.57 from $1.75.
Full-year GAAP revenue rose 7.1% to $2.54 billion, and GAAP EPS rose 11.9% to $6.98 from $6.24.
Fiscal 2027 GAAP revenue guidance is $2,684 million to $2,709 million, and GAAP EPS guidance is $7.33 to $7.38.
Stock repurchases were $448 million for the fiscal year at an average price of $152 per share, including $164 million in the fourth quarter at $140 per share.
Jack Henry & Associates reported deconversion revenue of $9.3 million for the fiscal fourth quarter ended June 30, 2026, and $42.8 million for the full fiscal year 2026. The release covers only this revenue category, not total revenue or profit, and the filing gives no prior-period comparison. The company says it excludes deconversion revenue from its non-GAAP revenue because it is driven mainly by client acquisitions outside its control.
Fiscal Q4 2026 (ended June 30, 2026) deconversion revenue: $9.3 million
Fiscal year 2026 deconversion revenue total: $42.8 million
Deconversion revenue is mostly generated when a client is acquired by another financial institution, ending its contract with Jack Henry
Company excludes deconversion revenue from non-GAAP revenue in its quarterly and annual earnings releases
Jack Henry & Associates said Board Chair David Foss will retire from the board effective July 15, 2026, after notifying the board on May 29, 2026. Vice Chair and Lead Independent Director Matt Flanigan will become Board Chair upon Foss's retirement, a planned succession, and the company said Foss's departure does not reflect any disagreement with the company.
David Foss retires as Board Chair and director effective July 15, 2026; he notified the board on May 29, 2026.
Matt Flanigan, Vice Chair and Lead Independent Director, will become Board Chair upon Foss's retirement.
Flanigan joined the board in 2007, has been Lead Director since 2012, and retired in 2019 as CFO of Leggett & Platt, Inc.
Foss served as President from 2014 to 2022 and CEO from 2016 to 2024, and was named Chair in 2021.
Jack Henry & Associates reported fiscal third-quarter 2026 results for the quarter ended March 31, 2026, with GAAP revenue up 8.7% to $636.2 million and GAAP operating income up 11.8%. The company said it increased its full-year non-GAAP revenue, non-GAAP margin expansion and GAAP EPS guidance, while noting expected relative weakness in non-GAAP revenue and margins in fiscal Q4.
GAAP diluted EPS was $1.71 for the quarter, up 12.2% from $1.52 a year earlier; non-GAAP adjusted revenue rose 7.3%.
Fiscal 2026 GAAP EPS guidance is $6.78 to $6.87, and GAAP revenue guidance is $2,521 million to $2,533 million.
The company repurchased $159 million of stock in the quarter at an average of $162 per share, and $284 million year to date.
Cash and cash equivalents were $21 million at March 31, 2026, and credit facility borrowings were $90 million, down from $170 million a year earlier.
Jack Henry & Associates reported deconversion revenue of $18.7 million for the fiscal third quarter ended March 31, 2026, and raised its full-year fiscal 2026 deconversion revenue estimate to $37 million. The company says deconversion revenue mainly arises when a client is acquired by another financial institution, is driven by factors outside its control, and is excluded from its non-GAAP revenue.
Fiscal Q3 2026 deconversion revenue was $18.7 million, for the quarter ended March 31, 2026.
Full-year fiscal 2026 deconversion revenue estimate increased to $37 million.
Deconversion revenue is excluded from non-GAAP revenue in Jack Henry's quarterly and annual earnings releases.
The release was issued April 28, 2026, as Exhibit 99.1 to a Form 8-K.
Jack Henry & Associates entered a $1.0 billion, five-year unsecured revolving Credit Agreement on March 25, 2026, which replaces its prior $600 million facility that had been due to mature August 31, 2027. The company used a borrowing under the new agreement to refinance roughly $80 million outstanding under the prior facility, and the filing says no early termination penalties were owed. The filing describes the new facility's covenants and default terms, which matter to shareholders because they set the company's borrowing limits.
$1.0 billion unsecured revolving Credit Agreement, five-year term, dated March 25, 2026, with U.S. Bank National Association as Administrative Agent
Replaces the $600 million Prior Credit Agreement dated August 31, 2022, which was terminated at closing and had a maturity date of August 31, 2027
About $80 million outstanding under the prior facility was refinanced with a borrowing under the new agreement; no early termination penalties were owed
Financial covenants require a minimum interest coverage ratio of 3.50 to 1.00 and a maximum Net Leverage Ratio of 3.50 to 1.00
Jack Henry & Associates reported fiscal second quarter 2026 results for the period ended December 31, 2025, with GAAP revenue of $619.3 million, up 7.9%, and GAAP diluted EPS of $1.72, up 28.6%. The company also gave full-year fiscal 2026 GAAP guidance of $2,508 million to $2,525 million in revenue and $6.61 to $6.72 in EPS, which shareholders can compare with future results.
GAAP revenue was $619.3 million, up 7.9% from $573.8 million; non-GAAP adjusted revenue rose 6.7%.
GAAP operating income was $159.1 million, up 29.4%; non-GAAP adjusted operating income rose 24.3%.
GAAP EPS was $1.72 per diluted share, compared with $1.34 a year earlier.
Credit facility borrowings were $20 million at December 31, 2025, down from $150 million a year earlier.
Jack Henry & Associates reported $6.2 million in deconversion revenue for the fiscal second quarter ended December 31, 2025, and raised its full-year fiscal 2026 deconversion revenue estimate to $28 million. The company says deconversion revenue is mainly tied to clients being acquired by other institutions and excludes it from non-GAAP revenue, so the change is unlikely to reflect its ongoing service business.
Fiscal Q2 2026 deconversion revenue, ended December 31, 2025: $6.2 million
Full-year fiscal 2026 deconversion revenue estimate increased to $28 million
Deconversion revenue is excluded from non-GAAP revenue in quarterly and annual earnings releases
Results announced in a press release dated January 27, 2026 (Exhibit 99.1)
Jack Henry & Associates reported fiscal first-quarter 2026 results for the three months ended September 30, 2025, with GAAP revenue of $644.7 million, up 7.3%, and GAAP net income of $144.0 million, up 20.8%. The company also gave full-year fiscal 2026 GAAP guidance of $2,491 million to $2,514 million in revenue and $6.38 to $6.49 in EPS, which assumes no additional acquisitions or dispositions.
GAAP revenue $644.7 million, up 7.3%; non-GAAP adjusted revenue $636.1 million, up 8.7%
GAAP diluted EPS $1.97 vs. $1.63 a year earlier; GAAP operating margin 28.5% vs. 25.2%
Fiscal 2026 GAAP EPS guidance $6.38 to $6.49; GAAP revenue guidance $2,491 million to $2,514 million
Purchase of treasury stock $62.0 million in the quarter; CFO cited $100 million in share repurchases for the first quarter and October; borrowings $20 million vs. $140 million a year earlier
Jack Henry & Associates reported $8.6 million of deconversion revenue for the fiscal first quarter ended September 30, 2025, and raised its full-year fiscal 2026 deconversion revenue estimate to $20 million. The filing covers only this revenue line, not total revenue or earnings, and the company says deconversion revenue is excluded from its non-GAAP revenue because it mainly arises when a client is acquired by another institution.
Fiscal Q1 2026 (quarter ended September 30, 2025) deconversion revenue was $8.6 million.
Full-year fiscal 2026 deconversion revenue estimate increased to $20 million.
Most deconversion revenue comes from clients being acquired by another financial institution, which ends their contract with Jack Henry.
Deconversion revenue is excluded from non-GAAP revenue in quarterly and annual earnings releases.
Jack Henry & Associates expanded its board from nine to 10 directors on August 22, 2025, and appointed President and CEO Greg Adelson to fill the new seat. Adelson will keep his executive roles and is not an independent director, so the change adds an insider to the board without a separate board seat fee or committee role.
Board appointed Adelson on August 22, 2025, to fill the seat created by the expansion from nine to 10 directors.
Adelson has been CEO since July 1, 2024, and President since January 25, 2022, and will keep both roles.
He is not independent under Nasdaq and SEC rules, will not serve on any board committee, and will receive no separate board compensation.
The company expects Adelson and the other nine directors to stand for reelection at the 2025 Annual Meeting of Stockholders.
Jack Henry reported fourth quarter and full fiscal 2025 results for the period ended June 30, 2025. Full-year GAAP revenue rose 7.2% to $2.4 billion, and GAAP EPS was $6.24, up from $5.23 a year earlier. The company also issued fiscal 2026 GAAP guidance of $6.32 to $6.44 per diluted share, which assumes no acquisitions or dispositions and implies EPS growth of 1.3% to 3.3%.
Fourth quarter GAAP revenue was $615.4 million, up 9.9%, and GAAP EPS was $1.75 versus $1.38.
Fiscal 2025 GAAP net income was $455.7 million, up 19.4%, and GAAP EPS was $6.24 versus $5.23.
Fiscal 2026 GAAP revenue guidance is $2.475 billion to $2.504 billion.
Cash and equivalents were $102.0 million at June 30, 2025, and credit facility debt was zero, down from $150.0 million a year earlier.
Jack Henry & Associates reported $20.5 million in deconversion revenue for the fiscal fourth quarter ended June 30, 2025, and $33.9 million for full fiscal 2025. The company says this revenue mainly arises when a client agrees to be acquired by another financial institution, and it excludes deconversion revenue from non-GAAP revenue in its earnings releases.
Fiscal Q4 2025 deconversion revenue: $20.5 million
Full fiscal 2025 deconversion revenue: $33.9 million
Deconversion revenue is excluded from non-GAAP revenue because the company says it is driven by factors outside its control
The release was issued August 11, 2025, and attached as Exhibit 99.1
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