Jack Henry & Associates (JKHY) Earnings: Q1 Fiscal 2027 Results and Next Report Date

The quarter ended September 30, 2026 and Jack Henry & Associates published the results on November 3, 2026. Revenue and diluted EPS are shown against Q1 fiscal 2026, the same quarter a year earlier, which takes seasonal swings out of the comparison.

• Jack Henry's fiscal year ends June 30, so Q1 fiscal 2027 is the quarter ended September 30, 2026.
• In Q1 fiscal 2027 Jack Henry moved a product from the Core segment to the Complementary segment and recast the year-ago segment figures. It also renamed its "Public and Private Cloud" revenue type to Cloud Services, with no change to reported results.
• The deconversion revenue estimate in the outlook comes from a separate Jack Henry release dated October 29, 2026, filed on Form 8-K.

Source: Jack Henry Q1 fiscal 2027 results, November 3, 2026. Also in the Form 10-Q for the quarter ended September 30, 2026. Figures as reported; checked against the release on November 10, 2026.

How Jack Henry & Associates splits revenue in its own release, under its own labels, for Q1 fiscal 2027 against Q1 fiscal 2026. Indented lines are parts of the line above them.

• Jack Henry & Associates's Core revenue was $203 million in Q1 fiscal 2027, up 7% from $190 million in Q1 fiscal 2026, 29% of total revenue.
• Jack Henry & Associates's Payments revenue was $252 million in Q1 fiscal 2027, up 9% from $231 million in Q1 fiscal 2026, 36% of total revenue.
• Jack Henry & Associates's Complementary revenue was $220 million in Q1 fiscal 2027, up 10% from $200 million in Q1 fiscal 2026, 31% of total revenue.
• Jack Henry & Associates's Corporate Services revenue was $25.8 million in Q1 fiscal 2027, up 6% from $24.3 million in Q1 fiscal 2026, 4% of total revenue.

Segment lines are the figures writers cite most often, because they show where the growth in a quarter came from. Companies redraw their segments from time to time and restate the prior year to match, so a year-ago figure here can differ from the one printed a year ago. When that has happened, the note above says so.

From the earnings release

Jack Henry gives its fiscal 2027 outlook as a table of ranges: GAAP revenue of $2,698 million to $2,718 million, GAAP operating margin of 24.7% to 24.9% and GAAP EPS of $7.47 to $7.51, plus non-GAAP adjusted revenue of $2,667 million to $2,687 million and an adjusted operating margin of 24.1% to 24.3%.

In its Q1 fiscal 2027 release, Jack Henry & Associates said:

“The full fiscal year guidance assumes no acquisitions or dispositions will be made during fiscal year 2027.”

“Fiscal year 2027 non-GAAP guidance excludes the impacts of deconversion revenue and related operating expenses, acquisition revenues and related operating expenses, and the gain on assets, net, and assumes no additional acquisitions or dispositions will be made during the fiscal year.”

“Based on these results, the deconversion revenue estimate for fiscal year 2027 is $30.0 million.”

Source: Jack Henry Q1 FY27 release, Nov 3, 2026.

This is the company's own guidance as of Nov 3, 2026, quoted as given. Walnut does not make forecasts of its own. Analyst estimates for the coming quarters are on the JKHY forecast page.

Revenue and diluted EPS for the last 5 quarters. Each date links to that quarter's release.

GAAP revenue and diluted EPS, each as first reported in that quarter's release. Jack Henry does not publish a non-GAAP EPS figure.

Jack Henry & Associates's next report is expected around February 2, 2027, a date estimated from its reporting history that the company has not yet confirmed. This page will show Q1 fiscal 2027 until those results are out and have been checked against the release.

Each quarter keeps its own page with the figures as reported, so a link to one stays pointed at the same numbers after the next report.

• Q1 fiscal 2027 (this page), reported Nov 3, 2026

Jack Henry & Associates sells technology to banks and credit unions, about 7,200 clients in all, and splits its revenue two ways. By type, services and support brought in $405.0 million in Q1 fiscal 2027 (57.7% of revenue) and processing $296.6 million (42.3%). By segment, Payments was the largest at $252.1 million, followed by Complementary at $220.2 million, Core at $203.4 million and Corporate Services at $25.8 million. (Jack Henry Q1 FY27 release, Nov 3, 2026)

Jack Henry's Core segment sells the core processing platforms that handle deposit, loan and general ledger transactions. Payments covers ATM, debit and credit card processing, bill pay, money movement and remote deposit capture. Complementary covers digital and mobile banking, treasury services, online account opening, fraud and anti-money laundering, and lending and deposit tools. Corporate Services holds hardware and Jack Henry's technology infrastructure costs. Revenue from clients outside the United States is less than 1% of the total. (Jack Henry Form 10-K, fiscal 2026, Aug 28, 2026; Jack Henry Form 10-Q, Q1 FY27, Nov 6, 2026)

Jack Henry said processing revenue grew 10.7% on card revenue up 9.4%, digital and transaction revenue up 13.3% from more active users on its digital platform, and faster payments revenue up 43.8% on transaction volumes. Services and support grew 7.5%, driven by hosting revenue up 11.7% as clients move to its private cloud, software usage revenue up 9.9% and $9.3 million more deconversion revenue, partly offset by its Connect client conference moving to the second quarter. (Jack Henry Q1 FY27 release, Nov 3, 2026)

Jack Henry calls cloud services plus processing its key revenue, the recurring revenue it treats as most important. Key revenue was $514.3 million, 73.3% of the total, up 11.0%. Core segment revenue grew 7.1%; Jack Henry said the year-ago quarter had elevated one-time revenue from on-premise implementations and consulting, and that key recurring areas of Core grew 8.6% excluding those items. (Jack Henry Q1 FY27 release, Nov 3, 2026)

Deconversion fees, paid mostly when a client is acquired by another institution and ends its contract, are a swing factor for Jack Henry. They were $17.9 million in Q1 fiscal 2027, against $8.6 million a year earlier. Excluding deconversions and $1.5 million from the Victor Technologies acquisition, non-GAAP adjusted revenue was $682.2 million, up 7.2%. (Jack Henry Q1 FY27 deconversion revenue release, Oct 29, 2026; Jack Henry Q1 FY27 release, Nov 3, 2026)

Jack Henry reports GAAP EPS only. Diluted EPS was $2.28 in Q1 fiscal 2027, up 15.6% from $1.97, on net income of $160.4 million, up 11.4%. Jack Henry does publish non-GAAP adjusted net income, $149.4 million, which removes $15.2 million of net income from deconversions and adds back the $759 thousand loss from the Victor acquisition, taxed at 24%. The year-ago figure also excluded a $3.8 million gain on assets. (Jack Henry Q1 FY27 release, Nov 3, 2026)

Buybacks made EPS grow faster than net income, by Jack Henry's own account. Diluted weighted average shares fell to 70,262 thousand from 72,909 thousand. In the quarter Jack Henry repurchased 462 thousand shares for $71 million, at an average price of $153.47, and declared dividends of $0.61 per share, against $0.58. (Jack Henry Form 10-Q, Q1 FY27, Nov 6, 2026; Jack Henry Q1 FY27 release, Nov 3, 2026)

Jack Henry's effective tax rate was 23.8%, against 24.3% a year earlier. Operating income rose 12.5% to $207.1 million, for an operating margin of 29.5%, while net interest income fell 43.0% to $3.6 million as borrowings on its credit facilities rose to $85 million. (Jack Henry Q1 FY27 release, Nov 3, 2026)

Diluted EPS divides net income by the weighted average number of shares outstanding in the quarter, plus the shares that options and other equity awards could add. Buybacks shrink that count and lift EPS for the same profit; share issuance and stock awards enlarge it.

Jack Henry gives full-year guidance in its release. For fiscal 2027 it expects GAAP revenue of $2,698 million to $2,718 million, growth of 6.0% to 6.8% on fiscal 2026's $2,544 million, a GAAP operating margin of 24.7% to 24.9%, and GAAP EPS of $7.47 to $7.51, against $6.98 for fiscal 2026. On a non-GAAP basis it expects adjusted revenue of $2,667 million to $2,687 million and an adjusted operating margin of 24.1% to 24.3%. (Jack Henry Q1 FY27 release, Nov 3, 2026)

Jack Henry estimates deconversion revenue separately because it depends on bank mergers outside its control. Its estimate for fiscal 2027 is $30.0 million, set after the first quarter's $17.9 million. CEO Greg Adelson said first-quarter results exceeded the outlook Jack Henry gave in August. (Jack Henry Q1 FY27 deconversion revenue release, Oct 29, 2026; Jack Henry Q1 FY27 release, Nov 3, 2026)

A consensus figure is the average of the models published by the analysts who cover Jack Henry & Associates, collected by a data provider and revised up to the day of the report. A quarter that lands above it says how expectations were set as much as how the business did, and the share price on the day also reflects the guidance and the lines no consensus covers.

The consensus figures on this page are Yahoo Finance's, as pulled on the date shown. Each comes with the number of analysts behind it; the smaller that number, the more one revised estimate can move the average.

The figures below are the ones Jack Henry & Associates's own release and filings put weight on for Q1 fiscal 2027, with the latest reported value for each.

What the quarter means for a holding is a separate question from what it reported. The case for and against owning JKHY is on is JKHY a buy or a sell?, what analysts expect next is on the JKHY forecast, and what the company does is on the Jack Henry & Associates (JKHY) stock page.

Every number on this page can be traced to a document Jack Henry & Associates published. Checking one takes a couple of minutes, and it is worth doing before you quote a figure anywhere.

• The results release is the document linked in the source line above. Companies publish it on their investor relations site at the moment results go out, and it carries the headline tables: revenue, operating income, net income and EPS for the quarter and the year-ago quarter.
• The same release is filed with the SEC as Exhibit 99.1 to a Form 8-K under Item 2.02, usually on the day of the report. The SEC copy does not change after the fact, which makes it the safer thing to link when you cite a number.
• The quarterly report (Form 10-Q) follows within a few weeks and carries the full financial statements, the segment note and management's discussion of what changed. The fourth quarter is covered by the annual report (Form 10-K) instead.
• Restated comparisons are flagged in the notes on this page. When a company redraws its segments or changes how it adjusts EPS, it restates the year-ago column, so the year-ago figure in a new release can differ from the one printed a year ago. This page always uses the comparison in the newer release, because that is the like-for-like one.

A walk-through of every line in a release, with what each one tells you, is in how to read an earnings report.