Jack Henry & Associates Inc (JKHY) · Nov 3, 2026 · Earnings

Jack Henry earnings beat as FY27 revenue and EPS guidance rise

Beat — Revenue $701.5M vs ~$684M consensus; FY27 EPS guide raised to $7.47-$7.51

Jack Henry’s earnings beat expectations on strong cloud, payments and digital growth, prompting higher FY27 revenue and EPS guidance.

Jack Henry is in the middle of a cloud-and-payments expansion, using recurring cloud services, digital banking, card products and faster payments to deepen its position with banks and credit unions. The first quarter shows that strategy translating into faster growth than expected, with the company also raising its full-year outlook. The published pre-release consensus was roughly $683-$685 million of revenue and $2.03-$2.07 of EPS.

The quarter was a clear revenue beat, not just a routine start to the year. Revenue reached $701.5 million, roughly 2.5% above the published consensus range, while adjusted revenue grew 7.2%. The strongest underlying areas were key recurring revenue, up 11.0%, including cloud services up 11.3% and processing up 10.7%. The filing says, “Revenue growth and leverage in our business model contributed to non-GAAP operating income margin of 28.2%.” 〔0〕

	Q1 FY27	Q1 FY26	Consensus
Revenue (Financial Highlights)	$701.5M (+8.8%)	$644.7M	~$684M
GAAP EPS (Income Statement)	$2.28 (+15.6%)	$1.97	~$2.03-$2.07
Adjusted operating margin (Non-GAAP reconciliation)	28.2% (+100 bps)	27.2%
Key revenue (Key and Non-Key Revenue)	$514.3M (+11.0%)	$463.5M

Management raised the full-year bar rather than merely reaffirming it. FY27 GAAP revenue guidance moved to $2.698-$2.718 billion from $2.684-$2.709 billion, while GAAP EPS rose to $7.47-$7.51 from $7.33-$7.38. Adjusted revenue guidance also increased to $2.667-$2.687 billion from $2.659-$2.684 billion. Adjusted operating-margin guidance stayed at 24.1%-24.3%, so the upgrade is primarily a growth and earnings-level improvement, not a major margin reset. 〔1〕

The quality of growth is better than the headline GAAP number suggests. Services and support growth included $17.9 million of deconversion revenue, and the prior-year comparison included unusual implementation and consulting revenue. Even after adjustments, revenue grew 7.2%, processing grew 10.2%, and the filing says growth in the Core segment's recurring areas was 8.6% excluding those prior-year one-time items. That makes the beat look operational rather than purely acquisition- or accounting-driven. 〔2〕

Execution improved without sacrificing cash generation. GAAP operating income rose 12.5%, adjusted operating margin expanded to 28.2%, operating cash flow increased to $161.3 million, and free cash flow reached $82.9 million. Research and development costs rose 16.6% as Jack Henry continues investing in the platform, while selling, general and administrative expense was essentially flat; that combination supports the company’s growth investments without showing broad overhead strain.

Bottom line: This filing advances Jack Henry’s current story: cloud, payments and digital demand are running ahead of expectations, and management lifted the FY27 revenue and EPS targets. The unchanged margin range limits how transformative the update is, but it is clearly more than a routine beat. The next test is management’s November 4, 2026 conference call, where investors can probe demand and the higher outlook. 〔3〕

What to watch next

November 4, 2026 earnings conference call

Original filing on SEC EDGAR

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decoded▸

AllSight · BlackBerry Q2 FY27

Revenue $163.3M vs ~$144M expected; adjusted basic EPS $0.07 vs ~$0.04 consensus — a real upside surprise.Income statement
QNX revenue +27% to $80.3M; segment EBITDA $29.0M from $20.5M. “Record performance… core automotive.”Segment — QNX
Licensing jumped to $22.1M from $6.6M — it amplified the beat, but it's less recurring than QNX, so the quality sits in QNX.Segment — Licensing
FY27 guide lifted to $616–636M rev / $141–158M EBITDA, above the prior $594–621M / $119–139M framework.Guidance
QNX growth, margins, cash and a raised outlook all beat. But licensing amplified it and Secure Comms is flat — net retention 91% from 93%.Segment — Secure Comms

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Events/ANDE/8-K · Earnings

8-K · Item 2.02 · Earnings

The Andersons — a record Renewables quarter that beat profit expectations

Filed Aug 3, 2026ANDE · NASDAQ

AllSight readBeatPriced in▲ 1.8% since filed · reaction agrees

adj. EPS $2.15 vs ~$1.48 consensus

This filing tests whether The Andersons' sharp profit increase reflects broad operating improvement or a one-off renewable-fuels boost. It also separates strong adjusted earnings and cash generation from the quarter's legal and impairment charges.

The quarter was substantially stronger than both last year and the published earnings expectation. Adjusted EPS reached $2.15, versus $0.24 a year earlier and above the published consensus of about $1.48; reported EPS was $1.65. Adjusted EBITDA more than doubled to $140 million, while sales slipped modestly — the improvement came from margins and operating performance rather than higher revenue. Financial Highlights · Statements of Operations

Q2 ($M, exc. per-share)	Q2 2026	Q2 2025	YoY
Sales & merchandising revenue	3,097.7	3,135.9	−1%
Net income (attributable)	56.6	7.9	+48.7
Diluted EPS	1.65	0.23	+1.42
Adjusted EPS	2.15	0.24	+1.91
Adjusted EBITDA	140.3	65.2	+75.1
Agribusiness adj. pretax	20.3	16.8	+3.5
Renewables adj. pretax	88.4	9.6	+78.8
Cash from operations	487.9	299.3	+188.6
Cash from ops (pre-WC)	112.9	42.9	+70.1

Renewables drove nearly all of the upside — the operating backdrop was strong, but the result also benefited materially from tax credits. Renewables' adjusted pretax income rose to $88 million on record production, stronger ethanol margins and merchandising gains. It also received $24 million of 45Z producer tax credits, so this was not solely a repeatable plant-margin improvement; the company did cite healthy export and domestic ethanol demand as supportive. Renewables — Record Q2 · Segment Data

Agribusiness improved, but it was a supporting contributor rather than the main earnings engine. Adjusted pretax income increased to $20 million as fertilizer margins improved and merchandising benefited from commodity-price volatility, despite lower fertilizer volumes. Agribusiness — Improved Q2 · Segment Data

Cash generation improved and funding capacity is comfortable, while reported earnings still absorbed meaningful non-core costs. Operating cash flow was $488 million ($113 million before working-capital changes); capital spending was $76 million. Adjusted EPS excludes $0.50 of legal-settlement, impairment and transaction items, so the $2.15 adjusted result runs ahead of the $1.65 reported. Leverage stays below the <2.5× debt-to-EBITDA target; no new quantified full-year outlook was given. Cash & Liquidity · Adjusted Net Income

Community sentiment · 612 votes

58% bullish

Bull 58%Neu 27%Bear 15%

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Jack Henry earnings beat as FY27 revenue and EPS guidance rise

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