Jack Henry & Associates (JKHY) FY2025 10-K Annual Report
Jack Henry & Associates (JKHY) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Aug 25, 2025. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Jack Henry & Associates FY2025 10-K Analysis
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
Jack Henry & Associates FY2025 Key Financial MetricsXBRL
Revenue
$2.4B
▲ +7.2% YoY
Net Income
$456M
▲ +19.4% YoY
Operating Margin
23.9%
▲ +185bp YoY
Net Margin
19.2%
▲ +195bp YoY
ROE
21.4%
▲ +66bp YoY
Total Assets
$3.0B
▲ +4.1% YoY
EPS (Diluted)
$6.24
▲ +19.3% YoY
Operating Cash Flow
$642M
▲ +12.9% YoY
Source: XBRL data from Jack Henry & Associates FY2025 10-K filing on SEC EDGAR. All figures in USD.
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