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Jack Henry (Nasdaq: JKHY) lifts FY 2026 deconversion revenue outlook

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

Jack Henry & Associates reports fiscal 2026 third quarter deconversion revenue of $18.7 million, reflecting fees earned when clients terminate contracts following acquisitions by other financial institutions.

Based on this result, Jack Henry raised its full-year fiscal 2026 deconversion revenue estimate to $37 million. The company explains that deconversion revenue is driven by client M&A activity rather than its core service operations, so it is excluded from non-GAAP revenue in quarterly and annual earnings releases.

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Item 2.02 Results of Operations and Financial Condition Financial
Disclosure of earnings results, typically an earnings press release or preliminary financials.
Item 9.01 Financial Statements and Exhibits Exhibits
Financial statements, pro forma financial information, and exhibit attachments filed with this report.
Q3 2026 deconversion revenue $18.7 million Fiscal third quarter ended March 31, 2026
FY 2026 deconversion revenue estimate $37 million Full-year fiscal 2026 guidance
Client count Approximately 7,400 clients Banks and credit unions served by Jack Henry
Years in operation 50 years History of providing financial technology solutions
deconversion revenue financial
"deconversion revenue for the fiscal third quarter, ended Mar. 31, 2026, was $18.7 million"
non-GAAP revenue financial
"Jack Henry excludes deconversion revenue from non-GAAP revenue reported in its quarterly and annual earnings releases"
Non-GAAP revenue is a company’s sales figure that has been adjusted by management to remove certain items—such as one-time gains or accounting quirks—so the result is intended to show the company’s underlying sales performance. Investors watch it because it can make trends easier to see, like wiping mud off a windshield to view the road, but the adjustments differ by company so you must check what was excluded before comparing figures.
forward-looking statements regulatory
"Statements made in this press release that are not historical facts are “forward-looking statements”"
Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.
Risk Factors regulatory
"those discussed in Jack Henry’s Securities and Exchange Commission filings, including Jack Henry’s most recent reports on Form 10-K and Form 10-Q, particularly under the heading Risk Factors"
Risk factors are elements or conditions that could cause an investment's value to decrease or lead to potential losses. They are like warning signs or obstacles that can affect the success of an investment, making it uncertain or more unpredictable. Recognizing risk factors helps investors understand the possible challenges and make more informed decisions.
Private Securities Litigation Reform Act of 1995 regulatory
"within the meaning of the Private Securities Litigation Reform Act of 1995"
Deconversion revenue $18.7 million
Guidance

Deconversion revenue estimate increased to $37 million for full-year fiscal 2026.

Understanding 8-K Material Events →
00007791522026Q3FALSE00007791522026-04-282026-04-28


UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K
CURRENT REPORT

Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): April 28, 2026

JACK HENRY & ASSOCIATES, INC.
(Exact name of Registrant as specified in its Charter)
Delaware0-1411243-1128385
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)

663 Highway 60, P.O. Box 807, Monett, MO 65708
(Address of Principal Executive Offices) (Zip Code)

417-235-6652
(Registrant’s telephone number, including area code)

Not Applicable
(Former name, former address and former fiscal year, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a.-12)
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐ Pre-commencement communications pursuant to Rule 13e-4 (c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each classTicker symbol(s)Name of each exchange on which registered
Common Stock, $0.01 par valueJKHYNasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐



Item 2.02 Results of Operations and Financial Condition.

On April 28, 2026, Jack Henry & Associates, Inc. issued a press release announcing its deconversion revenue for the fiscal third quarter ended March 31, 2026, the text of which is attached hereto as Exhibit 99.1.

Item 9.01 Financial Statements and Exhibits.
Exhibits
Exhibit No.     Description
99.1        Press Release dated April 28, 2026
104         Cover Page Interactive Data File (embedded within the Inline XBRL document)



SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
JACK HENRY & ASSOCIATES, INC.
(Registrant)
Date:April 28, 2026/s/ Mimi L. Carsley
Mimi L. Carsley
Chief Financial Officer and Treasurer



Company:Jack Henry & Associates, Inc.Analyst Contact:Vance Sherard, CFA
663 Highway 60, P.O. Box 807Vice President, Investor Relations
Monett, MO 65708(417) 235-6652
Press Contact:Mark Folk
Director of Corporate Communications
(704) 890-5323
FOR IMMEDIATE RELEASE
Jack Henry Announces Fiscal 2026 Third Quarter Deconversion Revenue Results

MONETT, Mo., Apr. 28, 2026 — Jack Henry & Associates, Inc.® (Nasdaq: JKHY) announced today that deconversion revenue for the fiscal third quarter, ended Mar. 31, 2026, was $18.7 million. Based on these results, the deconversion revenue estimate has been increased to $37 million for full year fiscal 2026 guidance. For more information about how guidance is developed for deconversion revenue estimates, please see Jack Henry’s Current Report on Form 8-K filed with the Securities and Exchange Commission on Aug. 3, 2023.

The majority of deconversion revenue is generated when one of Jack Henry’s clients agrees to be acquired by another financial institution, resulting in the termination of the client’s contract with Jack Henry. In these circumstances, Jack Henry’s recognition of deconversion revenue is driven by factors outside Jack Henry’s control, and this revenue does not represent the true operations of Jack Henry’s ongoing business of providing services to clients. As a result, Jack Henry excludes deconversion revenue from non-GAAP revenue reported in its quarterly and annual earnings releases.

Statements made in this press 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 Jack Henry’s Securities and Exchange Commission filings, including Jack Henry’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 current report speaks only as of the date of the current report, and Jack Henry’s expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.

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 approximately 7,400 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.  





Source: View Original Filing on SEC EDGAR

FAQ

What deconversion revenue did Jack Henry (JKHY) report for fiscal Q3 2026?

Jack Henry reported $18.7 million in deconversion revenue for its fiscal 2026 third quarter. This revenue comes from contract terminations when clients are acquired by other financial institutions, and it is treated separately from the company’s ongoing service revenue.

How did Jack Henry (JKHY) change its full-year 2026 deconversion revenue guidance?

Jack Henry increased its full-year fiscal 2026 deconversion revenue estimate to $37 million. This updated estimate is based on deconversion revenue already recognized in the fiscal third quarter and expectations for similar contract terminations over the remainder of the fiscal year.

Why does Jack Henry (JKHY) exclude deconversion revenue from non-GAAP revenue?

Jack Henry excludes deconversion revenue from non-GAAP revenue because it is largely driven by client acquisition activity outside the company’s control. Management believes it does not reflect the underlying performance of its ongoing technology and services business with banks and credit unions.

What drives deconversion revenue for Jack Henry (JKHY)?

Deconversion revenue is generated when a Jack Henry client agrees to be acquired by another financial institution and terminates its contract. The associated termination and conversion work creates deconversion fees, which Jack Henry recognizes as deconversion revenue during the fiscal period.

Does Jack Henry’s deconversion revenue represent its core business performance?

Jack Henry states that deconversion revenue does not represent the true operations of its ongoing business. It is transaction-based, arising from client M&A events, while the company’s core performance is tied to recurring technology and processing services for its financial institution clients.

Where can investors learn more about Jack Henry’s deconversion revenue guidance methodology?

Jack Henry directs investors to its prior Securities and Exchange Commission filings for additional detail. The company notes that more information on how it develops deconversion revenue estimates is available in a filing made with the SEC on August 3, 2023.

Filing Exhibits & Attachments

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Press Releases

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