Fourth quarter summary:

GAAP revenue increased 4.7% and GAAP operating income decreased 12.2% for the fiscal three months ended June 30, 2026, compared to the prior fiscal year quarter.Non-GAAP adjusted revenue increased 6.6% and non-GAAP adjusted operating income decreased 3.1% for the fiscal three months ended June 30, 2026, compared to the prior fiscal year quarter.1GAAP EPS was $1.57 per diluted share for the fiscal three months ended June 30, 2026, compared to $1.75 per diluted share in the prior fiscal year quarter representing contraction of 10.2%.Stock repurchases for the fiscal three months ended June 30, 2026, were $164 million at an average price of $140 per share.

Fiscal year summary:

GAAP revenue increased 7.1% and GAAP operating income increased 11.7% for the fiscal year ended June 30, 2026, compared to the prior fiscal year.Non-GAAP adjusted revenue increased 7.3% and non-GAAP adjusted operating income increased 11.6% for the fiscal year ended June 30, 2026, compared to the prior fiscal year.1GAAP EPS was $6.98 per diluted share for the fiscal year ended June 30, 2026, compared to $6.24 per diluted share in the prior fiscal year representing growth of 11.9%.Cash and cash equivalents were $12.1 million at June 30, 2026, and $102.0 million at June 30, 2025.Debt outstanding for credit facilities was $40 million at June 30, 2026, and $0 at June 30, 2025.Stock repurchases for fiscal year ended June 30, 2026, were $448 million at an average price of $152 per share.

Full year fiscal 2027 guidance (Dollars in millions, other than per share amounts):3

MONETT, Mo., Aug. 18, 2026 /PRNewswire/ — Jack Henry & Associates, Inc. (Nasdaq: JKHY), a leading financial technology provider, today announced results for fiscal fourth quarter and fiscal full year ended June 30, 2026.

Operating Results

Revenue, operating expenses, operating income, and net income for the fiscal three months and fiscal year ended June 30, 2026, compared to the fiscal three months and fiscal year ended June 30, 2025, were as follows:

Services and support revenue increased for the fiscal three months ended June 30, 2026, compared to the fiscal three months ended June 30, 2025, primarily driven by growth in data processing and hosting revenue within private and public cloud revenue of 7.4% and higher license and hardware revenue by 27.3% and increased education, royalty, and other revenues by 38.6% partially offset by a decrease in deconversion revenue of $11,168. Processing revenue increased for the fiscal three months ended June 30, 2026, compared to the fiscal three months ended June 30, 2025, mainly driven by growth in card revenue of 5.4% from monthly service and risk management fees, improvement in Jack Henry digital and transaction revenue of 8.6% from a higher number of active users on our digital platform,  and a rise in faster payments revenue of 47.0%.Services and support revenue increased for the fiscal year ended June 30, 2026, compared to the fiscal year ended June 30, 2025, primarily driven by growth in data processing and hosting revenue within private and public cloud revenue of 8.5%, higher consulting, work orders and release fees revenue by 13.0%, a rise in implementation revenue by 14.1%, and increased license and hardware revenue by 19.5% partially offset by the decrease in software usage revenue (mainly due to a contract change in the prior fiscal year) by 26.2%. Processing revenue increased for the fiscal year ended June 30, 2026, compared to the fiscal year ended June 30, 2025, mainly driven by growth in card revenue of 6.0% from monthly service and risk management fees, improvement in Jack Henry digital and transaction revenue of 11.6% from a higher number of active users on our digital platform, and a rise in faster payments revenue of 49.5%.For the fiscal three months ended June 30, 2026, compared to the fiscal three months ended June 30, 2025, core segment revenue increased 1.9%, payments segment revenue increased 4.9%, complementary segment revenue increased 4.7%, and corporate services segment revenue increased 30.4%. For the fiscal three months ended June 30, 2026, compared to the fiscal three months ended June 30, 2025, core segment non-GAAP adjusted revenue increased 6.0%, payments segment non-GAAP adjusted revenue increased 6.1%, complementary segment non-GAAP adjusted revenue increased 5.6%, and corporate services non-GAAP adjusted segment revenue increased 31.3%. Total non-GAAP adjusted revenue increased 6.6% for the same comparative periods (see revenue lines of segment break-out tables on pages 5 and 6 below for a reconciliation of GAAP segment revenue to non-GAAP adjusted segment revenue).For the fiscal year ended June 30, 2026, compared to the fiscal year ended June 30, 2025, core segment revenue increased 4.8%, payments segment revenue increased 7.2%, complementary segment revenue increased 8.3%, and corporate services segment revenue increased 18.3%. For the fiscal year ended June 30, 2026, compared to the fiscal year ended June 30, 2025, core segment non-GAAP adjusted revenue increased 7.1%, payments segment non-GAAP adjusted revenue increased 6.4%, complementary segment non-GAAP adjusted revenue increased 7.7%, and corporate services non-GAAP adjusted segment revenue increased 18.3%. Total non-GAAP adjusted revenue increased 7.3% for the same comparative periods (see revenue lines of segment break-out tables on pages 7 and 8 below for a reconciliation of GAAP segment revenue to non-GAAP adjusted segment revenue).

Cost of revenue increased for the fiscal three months and fiscal year ended June 30, 2026, compared to the fiscal three months and fiscal year ended June 30, 2025, primarily due to higher personnel costs, including compensation and benefit costs, partially related to trailing twelve month headcount growth, higher direct costs generally consistent with increases in related lines of revenue, as well as higher amortization of capitalized software and increased internal licenses and fees.Research and development expense increased for the fiscal three months and fiscal year ended June 30, 2026, compared to the fiscal three months and fiscal year ended June 30, 2025, primarily due to higher personnel costs (net of capitalization), including compensation and benefit costs, partially related to trailing twelve month headcount growth.Selling, general, and administrative expense increased for the fiscal three months and fiscal year ended June 30, 2026, compared to the fiscal three months and fiscal year ended June 30, 2025, mainly due to higher personnel costs, including increased medical costs from second-half normalization trends and higher compensation tied to trailing twelve month headcount growth.

Net Income

Effective tax rates for the fiscal three months and fiscal year ended June 30, 2026, were 20.4% and 23.0% respectively, and for the fiscal three months and fiscal year ended June 30, 2025 were 20.2% and 22.2%, respectively.

Impact of Non-GAAP Adjustments

The tables below show our revenue, operating income, and net income for the fiscal three months and fiscal year ended June 30, 2026, compared to the fiscal three months and fiscal year ended June 30, 2025, excluding the impacts of deconversions in the fiscal quarter and fiscal year ended June 30, 2026, and June 30, 2025, the impact in the current fiscal quarter and fiscal year of an acquisition made during the current fiscal year, the gain on assets, net, in the current fiscal year, and the impact of a contract change in the prior fiscal quarter and fiscal year.

The tables below show the segment break-out of revenue and cost of revenue for each period presented, as adjusted for the items above, and include a reconciliation to non-GAAP adjusted operating income presented above.

The table below shows our GAAP to non-GAAP guidance for the fiscal year ending June 30, 2027. Fiscal year 2027 non-GAAP guidance excludes the impacts of deconversion revenue and related operating expenses, acquisition revenues and related operating expenses, the revenues and operating expenses related to a contractual change, and the gain on assets, net, and assumes no additional acquisitions or dispositions will be made during the fiscal year.

Balance Sheet and Cash Flow Review

Cash and cash equivalents were $12 million at June 30, 2026, compared to $102 million at June 30, 2025.Trade receivables were $349 million at June 30, 2026, and $318 million at June 30, 2025. The Company had $40 million of borrowings at June 30, 2026, compared to $0 of borrowings at June 30, 2025.Deferred revenue was $372 million at June 30, 2026, compared to $363 million at June 30, 2025.Stockholders’ equity decreased to $2,052 million at June 30, 2026, compared to $2,131 million at June 30, 2025.

The following table summarizes net cash from operating activities:

The following table summarizes net cash from investing activities:

The following table summarizes net cash from financing activities:

Use of Non-GAAP Financial Information

Generally Accepted Accounting Principles (GAAP) is the term used to refer to the standard framework of guidelines for financial accounting in the United States. GAAP includes the standards, conventions, and rules accountants follow in recording and summarizing transactions in the preparation of financial statements. In addition to reporting financial results in accordance with GAAP, we have provided certain non-GAAP financial measures, including adjusted revenue, adjusted segment revenue, adjusted operating income, adjusted segment income, adjusted cost of revenue, adjusted segment cost of revenue, adjusted operating expenses, adjusted operating margin, adjusted segment income margin, non-GAAP earnings before interest, taxes, depreciation, and amortization (non-GAAP EBITDA), free cash flow, net operating profit after tax return on invested capital (NOPAT ROIC), and non-GAAP adjusted net income.

We believe non-GAAP financial measures help investors better understand the underlying fundamentals and true operations of our business. Adjusted revenue, adjusted segment revenue, adjusted operating income, adjusted operating margin, adjusted segment income, adjusted segment income margin, adjusted cost of revenue, adjusted segment cost of revenue, adjusted operating expenses, and adjusted net income eliminate deconversion revenue and associated costs, the gain on assets, net, an acquisition, and a contractual change, which management believes are not indicative of the Company’s operating performance. Such adjustments give investors further insight into our performance. Non-GAAP EBITDA is defined as net income attributable to the Company before the effect of interest income, net, taxes, depreciation, and amortization, adjusted for net income before the effect of interest income, net, taxes, depreciation, and amortization attributable to eliminated deconversions, the gain on assets, net, an acquisition, and a contractual change. Free cash flow is defined as net cash from operating activities, less capitalized expenditures, internal use software, and capitalized software, plus proceeds from the sale of assets. NOPAT ROIC is defined as operating income for the trailing four quarters multiplied by one minus the average effective tax rate (ETR) for the trailing four quarters, with the result divided by average invested capital (average of the beginning and ending period balances). Management believes that non-GAAP EBITDA is an important measure of the Company’s overall operating performance and excludes certain costs and other transactions that management deems one time or non-operational in nature; free cash flow is useful to measure the funds generated in a given period that are available for debt service requirements and strategic capital decisions; and NOPAT ROIC is a measure of the Company’s allocation efficiency and effectiveness of its invested capital. For these reasons, management also uses these non-GAAP financial measures in its assessment and management of the Company’s performance.

Non-GAAP financial measures used by the Company may not be comparable to similarly titled non-GAAP measures used by other companies. Non-GAAP financial measures have no standardized meaning prescribed by GAAP and therefore, are unlikely to be comparable with calculations of similar measures for other companies.

Any non-GAAP financial measures should be considered in context with the GAAP financial presentation and should not be considered in isolation or as a substitute for GAAP measures. Reconciliations of the non-GAAP financial measures to related GAAP measures are included.

About Jack Henry & Associates, Inc.®

Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity — offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower over 7,200 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.

Quarterly Conference Call

The Company will hold a conference call on August 19, 2026, at 7:45 a.m. Central Time, and investors are invited to listen at www.jackhenry.com. A webcast replay will be available approximately one hour after the event at ir.jackhenry.com/corporate-events-and-presentations and will remain available for one year.

Statements made in this news release that are not historical facts are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company’s Securities and Exchange Commission filings, including the Company’s most recent reports on Form 10-K and Form 10-Q, particularly under the heading Risk Factors. Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.

FAQ for Analysts / Investors

1. Why does fiscal 2025 non-GAAP revenue used for growth calculation not match reported fiscal 2025 non-GAAP revenue?

The restructuring of a third-party agreement resulted in a $16 million fiscal year-over-year revenue headwind, with $12 million of that in the first quarter and $4 million additional in the second, third, and fourth quarters.This restructuring also resulted in a decrease in the related costs and the impact on margins was minimal.This was adjusted for a consistent fiscal year-over-year comparison.

2.  What will be the impact of the Victor acquisition in fiscal year 2027?

With the one-year anniversary of the acquisition rolling off on September 30, 2026, Victor’s ongoing revenue will be fully integrated into Non-GAAP adjusted (organic) revenue starting October 1, 2026.

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SOURCE Jack Henry & Associates, Inc.

Merger brings together two proven fiber providers to accelerate investment, strengthen local operations, and expand next-generation connectivity throughout the Flathead Valley and south Lincoln County.

DENVER and KALISPELL, Mont., Aug. 18, 2026 /PRNewswire/ — Vero Broadband, LLC, doing business as Vero Fiber (“Vero”), and Montana Sky Networks Incorporated, doing business as MontanaSky (“MontanaSky”), today announced that they have entered into a definitive agreement to unite their organizations, bringing together two companies with a shared commitment to delivering exceptional broadband and investing in the communities they serve.

The merger marks an exciting new chapter for broadband in Northwest Montana. By bringing together MontanaSky’s trusted local presence, deep community relationships, and decades of broadband experience with Vero’s proven fiber expertise, financial strength, and additional resources, the companies will be uniquely positioned to accelerate fiber investment, enhanced customer experience, and build the region’s premier locally operated fiber provider.

The transaction has been executed by both parties and remains subject to customary regulatory approvals and closing conditions. The companies expect to close immediately following receipt of those approvals.

Founded in 1993 by Frederick Weber, MontanaSky has spent more than three decades continually investing in better ways to connect the communities it serves. Through every generation of technology, the company has remained focused on exceptional service, innovation, and strong community relationships—values that will remain at the heart of the business following the transaction.

Sunita Krishna, CEO of Vero Fiber, said:

“This merger is another significant milestone in Vero’s long-term commitment to Northwest Montana. Building on the foundation we established with Montana Digital in early 2025, we’re creating an organization with the scale, local expertise, and financial strength to become Northwest Montana’s leading locally operated fiber broadband provider. We look forward to welcoming the MontanaSky team and continuing to invest together in the future of the Flathead Valley.”

For MontanaSky customers, it will be business as usual. The MontanaSky name will remain, customers will continue working with the same trusted local team, and existing support channels will remain unchanged. At the same time, customers will benefit from expanded resources, continued investment in the network, and the long-term stability that comes from becoming part of a growing regional fiber platform. Employees will also benefit from new opportunities for professional growth while continuing to serve the communities they call home.

Ryan Bowman, CEO of MontanaSky, said:

“For years, MontanaSky and Montana Digital, now part of Vero, have each invested in building fiber networks throughout the Flathead Valley. Bringing those networks together is a natural next step and makes both organizations stronger. Vero shares our values and commitment to the communities we serve, and together we can focus our resources on bringing high-speed fiber to more homes and businesses, faster. The combination also creates greater opportunities for our employees and gives us the scale, resources, and strength to compete more effectively with incumbent providers. Ultimately, that means more choice, better service, and more competitive pricing for customers across Northwest Montana.”

Looking ahead, the combined organization will continue expanding fiber optic access throughout the area supporting economic development, and building the infrastructure that will support homes, businesses, schools, healthcare providers, and community institutions in Northwest Montana for generations to come.

About MontanaSky
MontanaSky (Montana Sky Networks, Inc.) is a locally operated broadband provider with offices in Kalispell, MT and Libby, MT. For more than 30 years, MontanaSky has served communities across the Flathead Valley and Northwest Montana, with a focus on bringing reliable, high-speed connectivity to underserved communities.

About Vero Fiber
(Vero Broadband, LLC), a subsidiary of VFN Holdings, Inc., is a national fiber infrastructure provider specializing in fiber‑to‑the‑premises broadband networks. Through strategic acquisitions, partnerships, and investment in rural and underserved areas, Vero Fiber is expanding access to reliable, high‑speed fiber internet connectivity across the U.S.

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SOURCE Vero Fiber Networks

After an exhaustive security review, the Wyoming Stable Token Commission adopts Chainlink CCIP to further bolster its cybersecurity foundation and set a new standard for the first state digital asset issuer

CHEYENNE, Wyo., Aug. 18, 2026 /PRNewswire/ — The Wyoming Stable Token Commission, issuer of the Frontier Stable Token (FRNT), today announced that the State of Wyoming has fully migrated away from LayerZero to Chainlink’s Cross-Chain Interoperability Protocol (CCIP) as its exclusive cross-chain infrastructure in a multi-year contract.

As the first sovereign stable token in the United States, FRNT represents critical public-sector financial infrastructure for Wyoming. Given its obligation to maintain the highest levels of security, governance, and operational integrity for the Frontier Stable Token, the Commission made the critical decision to upgrade to Chainlink CCIP after determining it was the only solution uniquely capable of meeting its rigorous standards, backed by Chainlink Labs’ comprehensive operational security and risk disclosure policies.

Wyoming has established itself as the leading U.S. state for digital asset policy and public-sector blockchain innovation. The Frontier Stable Token is the first fiat-backed, fully reserved stable token issued by a public entity in the United States. It is designed to provide transparent, efficient, and secure digital dollar infrastructure for individuals, businesses, institutions, and public-sector use cases, including payments and settlement. This groundbreaking initiative cements Wyoming at the forefront of digital finance and blockchain innovation.

A November 8, 2023, letter from Wyoming’s Select Committee on Blockchain, Financial Technology, and Digital Innovation Technology encouraged the Commission to adopt a “multi-chain, technology-neutral approach” to deploying its stable token. FRNT has since been deployed on eight public blockchains, following the Commission’s quarterly blockchain selection exercise.

FRNT is currently available on Arbitrum, Avalanche, Base, Ethereum, Hedera, Optimism, Polygon, and Solana blockchains. While the Commission performed its initial deployment through LayerZero’s omnichain fungible token standard, the Commission has since opted to fully deprecate the LayerZero implementation following a detailed security review. FRNT will now leverage Chainlink’s cross-chain infrastructure in a multi-year contract.

Chainlink CCIP has emerged as the leading infrastructure for securely transferring digital assets across blockchain networks. Notably, CCIP implements a defense-in-depth approach to security, including institutional certifications such as SOC 2 Type 2, a highly audited codebase, robust monitoring systems, built-in risk controls, and a decentralized architecture where every transaction is redundantly validated by a minimum of 16 independent node operators. CCIP is also built on the same decentralized oracle network infrastructure that has enabled over $33 trillion in transaction value, secures the vast majority of decentralized finance (DeFi), and has been adopted by the world’s largest financial institutions and market infrastructures.

“Wyoming is building public-sector financial infrastructure with the Frontier Stable Token, and that carries a responsibility to protect the people, businesses, and institutions that rely on it,” said Anthony Apollo, Executive Director of the Wyoming Stable Token Commission. “By adopting Chainlink CCIP, we now have highly secure cross-chain infrastructure that meets the standard our citizens deserve.  Wyoming has always led from the front on digital asset innovation, which is why we look forward to expanding the role Chainlink plays in our state’s digital asset future.”

“I’m very excited that the State of Wyoming has upgraded Frontier Stable Token to Chainlink CCIP as its exclusive cross-chain infrastructure,” said Sergey Nazarov, Co-Founder of Chainlink. “Wyoming has consistently been a leader in digital asset policy and public-sector blockchain adoption, and their selection of CCIP shows that governments and other serious institutions need secure, reliable, and standard-setting infrastructure to move digital assets across chains at scale. This is another important step toward a globally connected onchain financial system, and we look forward to working with the Commission to help define the next generation of financial markets.”

By migrating to Chainlink CCIP, Wyoming is providing a blueprint for other states, government entities, financial institutions, payment companies, asset managers, and stablecoin issuers seeking to deploy regulated digital assets across blockchains while meeting strict institutional standards for operational security.

About Wyoming Stable Token Commission

The Wyoming Stable Token Commission is a sovereign entity within the Wyoming state government, established in March 2023 under the Wyoming Stable Token Act. The Commission was tasked with the design, development, and deployment of the first fiat-backed, fully reserved stable token issued by a public entity in the United States. In January 2026, the Commission fulfilled that mandate with the launch of the Frontier Stable Token (FRNT). FRNT is backed by U.S. dollars and short-term U.S. Treasuries, with income generated from those reserves helping to diversify state revenues and support Wyoming’s School Foundation Program as a public good. Learn more at https://stabletoken.wyo.gov.

About Chainlink

Chainlink is the industry-standard oracle platform bringing the capital markets onchain and the market leader powering the majority of decentralized finance. The Chainlink stack provides the essential data, interoperability, compliance, and privacy standards needed to power advanced blockchain use cases for institutional tokenized assets, lending, payments, stablecoins, and more. Since inventing decentralized oracle networks, Chainlink has enabled tens of trillions in transaction value and now secures the vast majority of DeFi. Many of the world’s largest financial services institutions and leading Web3 protocols have adopted Chainlink standards and infrastructure. Learn more at chain.link.

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SOURCE Wyoming Stable Token Commission; Chainlink