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JKHY · Q4 FY2026
Archived report (Q4 FY2026). Latest deep dive →
The quarter in brief
Revenue grew 4.7% y/y to $644M, operating margin 21.2% vs 25.3%, net income $111M (−12.8% y/y).
Net income
$111M
down 12.8% y/y
Revenue
$644M
up 4.7% y/y
Operating income
$137M
down 12.2% y/y
All figures in $M.
| Line item | Amount and change |
|---|---|
| Revenue | $644 · +4.7% |
| Cost of Revenue | $370 · +7.6% |
| Research and Development | $49.8 · +17.0% |
| Selling, General, and Administrative | $87.2 · +19.2% |
| Operating income | $137 · −12.2% · 21.2% margin |
| Interest income | $4.9 · −22.1% |
| Interest expense | $2 · −5.6% |
| Income before income taxes | $140 · −12.6% |
| Provision for Income Taxes | $28.5 · −11.9% · 20.4% effective rate |
| Net income | $111 · −12.8% · $1.57/sh · 17.3% margin |
Verdict: revenue grew 4.7% y/y to $644M, operating margin 21.2% vs 25.3%, net income $111M (−12.8% y/y).
Source and notation
Source: Jack Henry & Associates press release, 8-K EX-99.1 of 08/18/2026 (SEC EDGAR). Every figure was matched against the income statement in the release and checked against SEC XBRL.
Open as an image: JKHY, Q4 FY2026 (PNG) ↗ · for sharing and presentations · free to reuse, CC BY 4.0
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Chart: “JKHY Q4 FY2026: where the revenue went” by Who Reports Today, https://whoreportstoday.com/t/jkhy/q4-fy2026. Licensed under CC BY 4.0.
<figure> <a href="https://whoreportstoday.com/t/jkhy/q4-fy2026"><img src="https://whoreportstoday.com/t/jkhy/q4-fy2026/sankey.png" alt="JKHY Q4 FY2026: where the revenue went" loading="lazy" style="max-width:100%;height:auto"></a> <figcaption>Source: <a href="https://whoreportstoday.com/t/jkhy/q4-fy2026">Who Reports Today</a>, licensed under <a href="https://creativecommons.org/licenses/by/4.0/">CC BY 4.0</a></figcaption> </figure>
https://whoreportstoday.com/t/jkhy/q4-fy2026/sankey.png
<a href="https://whoreportstoday.com/t/jkhy/q4-fy2026">JKHY Q4 FY2026 earnings chart (Who Reports Today)</a>
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- GAAP diluted EPS was $1.57 vs $1.75, a 10.2% decline; stock repurchases were $164 million.
- Operating income was $137M, a 21.2% margin vs 25.3% a year earlier.
- The effective tax rate was 20.4% vs 20.2% a year earlier.
- Diluted EPS was $1.57 vs $1.75 a year earlier.
What distorts the picture in this report and what to watch beyond the headlines.
JKHY — a financial technology company that provides core banking platforms, payment processing, digital banking and related software and services, mainly to community and regional banks and credit unions.
It makes money in four segments: Core, Payments, Complementary and Corporate Services. · Source: annual report (Form 10-K, SEC)
Heads-up
- net income fell 13% y/y in Q4 FY2026
Net income for Q4 FY2026: $111M, −13% y/y. In the report's figures: costs grew faster than revenue: selling, general, and administrative +19% y/y, research and development +17% y/y. Based on the Q4 FY2026 report.
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