JKHY at a glance
Jack Henry & Associates (JKHY, SEC CIK 779152) filed its latest 10-K annual report on August 28, 2026, a 10-Q quarterly report on May 7, 2026, an 8-K current report on August 24, 2026 and Form 4 insider filings as recently as September 1, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended June 30, 2026 (FY2026), Jack Henry & Associates (JKHY) reported revenue of $2.5 billion (up 7.1% from FY2025) and net income of $502.8 million. Diluted EPS was $6.98.
- As of June 30, 2026, 37 institutional investment managers tracked by SignalX reported holding Jack Henry & Associates (JKHY) shares worth $3.9 billion in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2026
- $2.5B
- +7.1% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 37 funds
- $3.9B · +1 vs prior quarter
- Latest 8-K
- Aug 24, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Jun 30, 2026
Risk Factors
- Regulatory risk from evolving cryptocurrency laws, including the GENIUS Act, increasing compliance costs and scrutiny from federal and state agencies
- Geopolitical risk from state-sponsored cyber-attacks leveraging frontier AI targeting zero-day vulnerabilities in company systems
- Operational risk from reliance on limited third-party cloud providers for hosting, with failures causing prolonged service outages and financial loss
- Competitive threat from fintech companies and new payment platforms disrupting traditional financial technology and payment processing models
- Key-person risk due to dependence on a small number of executives and specialized technical staff amid industry-wide wage inflation and retention challenges
Business Overview
- Core business: Financial technology solutions for community and regional banks and credit unions, focusing on core processing and complementary/payment products
- New emphasis: Launch and expansion of The Jack Henry Platform™, a public cloud-native, API-first platform integrating core functions with modern digital payment and fraud solutions
- Strategic shift: Accelerated technology modernization with cloud-native offerings and AI, plus SMB market growth via embedded payments like Tap2Local™ and Rapid Transfers
- Quantitative metric: R&D expense increased to $176.4M (up 8.3% YoY), associate count approximately 7,300 as of June 30, 2026
- Noteworthy fact: FY 2026 acquisition of Victor Technologies, enhancing cloud-native embedded payments capabilities
Management Discussion & Analysis
- Revenue $2.54B, increased 7.1% YoY ($169.1M), services/support up 6.3% to $1.45B, processing up 8.2% to $1.1B
- Net income $502.8M, up 10.3% YoY; operating expenses increased 5.7% ($102.7M); operating margin approx. 21.2% (derived from revenue and expenses)
- Best performing segment: Payments revenue $936M, up 7.2%, cost increased 4.2%; worst: Corporate Services revenue $87.7M, up 18.3% but cost up 8.0% with cost higher than revenue
- Cash flow from operations $762M (+18.8%); capital expenditures $67.1M; share buybacks $448.2M; dividends paid $170.4M
- Fiscal 2027 outlook positive, strong sales pipeline, expect continued revenue growth and margin expansion; risks include tax law changes and software development cost estimates
AI summary of the JKHY 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Mar 31, 2026
Management Discussion & Analysis
- Revenue $636,245, up 8.7% YoY, driven by cloud hosting, digital, transaction, card, and faster payments
- Net income $122,894, up 10.6% YoY; diluted EPS $1.71 vs $1.52
- Cost of revenue 57% of revenue vs 58% YoY; effective tax rate 22.5% vs 21.7%
- Core revenue $195,448, up 9.2% YoY; Payments, Complementary, and Corporate Services figures truncated
- Outlook: strong financial-institution technology spending, healthy pipeline, larger-deal wins, continued revenue growth and margin expansion verwachting
AI summary of the JKHY 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Richard N. Preece appointed independent director, replacing retired director David B. Foss
- Board size reduced from ten to nine directors ahead of 2026 annual meeting
Item 2.02: Results of Operations and Financial Condition
- Fiscal 2026 fourth-quarter and full-year results announced August 18, 2026
- Detailed operating and financial results contained in Exhibit 99.1
Item EX-99.1: Item EX-99.1
- FY26 revenue $2.54B, up 7.1%, and EPS $6.98, up 11.9%, confirming solid annual execution
- Q4 operating income fell 12.2% and EPS declined 10.2% to $1.57, signaling near-term cost and margin pressure
Item 2.02: Results of Operations and Financial Condition
- Fiscal Q4 and full-year FY2026 deconversion revenue announced for periods ended June 30, 2026
- Press release dated August 11, 2026 provides the disclosed revenue figures and management context
AI summaries of JKHY 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for JKHY
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- Fund moves. Which tracked funds opened, added or cut JKHY, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Preece Richard | A | Sep 1, 2026 | 270 | - |
| Morgan Craig Keith | A | Aug 27, 2026 | 1,130 | - |
| McLachlan Shanon G. | A | Aug 27, 2026 | 83 | - |
| McLachlan Shanon G. | A | Aug 27, 2026 | 196 | - |
| McLachlan Shanon G. | A | Aug 27, 2026 | 462 | - |
| Carsley Mimi | A | Aug 27, 2026 | 5,113 | - |
| McLachlan Shanon G. | A | Aug 27, 2026 | 183 | - |
| McLachlan Shanon G. | F | Aug 27, 2026 | 31 | $172.39 |
Financial SummaryXBRL
| Metric | FY2024 | FY2025 | FY2026 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $2.4B | $2.5B |
| Operating Income | - | $568.7M | $635.0M |
| Net Income | $381.8M | $455.7M | $502.8M |
| Op. Margin | - | 23.9% | 25.0% |
| Net Margin | - | 19.2% | 19.8% |
| Balance Sheet | |||
| Total Assets | - | $3.0B | $3.1B |
| Equity | $1.8B | $2.1B | $2.1B |
| ROE | 20.7% | 21.4% | 24.5% |
| Per Share | |||
| EPS | $5.23 | $6.24 | $6.98 |
| Cash Flow | |||
| Operating CF | - | $641.5M | $762.0M |
| CapEx | $58.1M | $53.4M | $67.1M |
Source: XBRL data in Jack Henry & Associates (JKHY)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate JKHY share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 37 | $3.90B |
| Q1 2026 | 36 | $4.74B |
| Q4 2025 | 34 | $5.70B |
| Q3 2025 | 36 | $4.67B |
| Q2 2025 | 36 | $5.89B |
| Q1 2025 | 35 | $4.89B |
| Q4 2024 | 30 | $3.53B |
| Q3 2024 | 27 | $1.80B |
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- BlackRock−836.3K (-14%)
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- Morgan Stanley−309.0K (-12%)
- State Street Corp−251.3K (-6%)
- Northern Trust−111.6K (-15%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 271 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
JKHY filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 1, 2026 | - | - | - |
| 4 | Aug 31, 2026 | - | - | - |
| 4 | Aug 31, 2026 | - | - | - |
| 4 | Aug 31, 2026 | - | - | - |
| 4 | Aug 31, 2026 | - | - | - |
| 4 | Aug 31, 2026 | - | - | - |
| 10-K | Aug 28, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 24, 2026 | - | Analysis | - |
| 8-K | Aug 18, 2026 | - | Analysis | - |
| 8-K | Aug 11, 2026 | - | Analysis | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| 4 | Aug 6, 2026 | - | - | - |
| SC 13G | Jul 31, 2026 | - | - | |
| 4 | Jul 14, 2026 | - | - | - |
| 8-K | Jun 4, 2026 | - | Analysis | |
| 8-K | May 12, 2026 | - | Analysis | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 5, 2026 | - | Analysis | - |
| SC 13G | Apr 30, 2026 | - | - | |
| 8-K | Apr 28, 2026 | - | Analysis | - |
| 8-K | Mar 26, 2026 | - | - | - |
| 4 | Feb 13, 2026 | - | - |
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JKHY SEC filings: frequently asked questions
Which institutions hold JKHY stock?
As of June 30, 2026, the largest Jack Henry & Associates (JKHY) holders among the 13F filers tracked by SignalX were BlackRock ($705.5 million), Vanguard Capital Management LLC ($639.7 million), State Street Corp ($510.1 million), Vanguard Portfolio Management LLC ($490.3 million), Morgan Stanley ($327.1 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was JKHY's revenue in fiscal year 2026?
For the fiscal year ended June 30, 2026 (FY2026), Jack Henry & Associates (JKHY) reported revenue of $2.5 billion (up 7.1% from FY2025) and net income of $502.8 million. Diluted EPS was $6.98. The figures come from the XBRL data in the 10-K.
What are the main risks in JKHY's latest 10-K?
In the 10-K filed August 28, 2026, Jack Henry & Associates (JKHY) flagged: Regulatory risk from evolving cryptocurrency laws, including the GENIUS Act, increasing compliance costs and scrutiny from federal and state agencies. Geopolitical risk from state-sponsored cyber-attacks leveraging frontier AI targeting zero-day vulnerabilities in company systems. (AI summary of the Risk Factors section.)
What did JKHY report in its latest 8-K?
Jack Henry & Associates (JKHY) filed an 8-K on August 24, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Richard N. Preece appointed independent director, replacing retired director David B. Foss.
What are the latest JKHY SEC filings?
Jack Henry & Associates (JKHY) filed its latest 10-K annual report on August 28, 2026, a 10-Q quarterly report on May 7, 2026, an 8-K current report on August 24, 2026 and a Form 4 insider filing on September 1, 2026.
What is JKHY's SEC CIK number?
Jack Henry & Associates (JKHY)'s SEC Central Index Key (CIK) is 779152. EDGAR lists every JKHY filing under that number.
Ask anything about JKHY
The research agent reads JKHY's filings, financials, insider trades and 13F holders, then answers with sources.