JKHY Jack Henry & Associates
FY2025 10-K
Jack Henry & Associates (JKHY) filed its fiscal year 2025 10-K annual report with the SEC on Aug 25, 2025. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business: Financial technology provider serving ~7,400 banks and credit unions with integrated core processing and complementary payment/security solutions
- • New emphasis on public cloud-native platform "Jack Henry Platform™" offering API-first, scalable core and digital banking services
Management Discussion & Analysis
- • Revenue $2.38B, up 7.2% YoY; services and support $1.36B (+6.7%), processing $1.01B (+7.9%)
- • Net income $455.7M, up 19.4% YoY; operating expenses +4.7%, cost of revenue $1.36B (+4.7%); effective tax rate 22.2% vs 23.3%
Risk Factors
- • Regulatory oversight risk from SEC cybersecurity disclosure requirements affecting financial statement materiality
- • Cybersecurity threat risk managed by CISO with 20+ years experience, reporting quarterly to Board Risk and Compliance Committee
Financial SummaryXBRL
Revenue
$2.4B
Net Income
$456M
Operating Margin
23.9%
Net Margin
19.2%
ROE
21.4%
Total Assets
$3.0B
EPS (Diluted)
$6.24
Operating Cash Flow
$642M
Source: XBRL data from Jack Henry & Associates FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on Jack Henry & Associates
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.