Jack Henry & Associates, Inc. opera como una empresa de tecnología financiera que conecta a las personas y a las instituciones financieras ...
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Good morning, and welcome to the Jack Henry Fourth Quarter and Full Year Fiscal 2026 Earnings Conference Call. Please note, this event is being recorded. I would now like to turn the conference over to Vance Sherard, Vice President, Investor Relations. Please go ahead.
Thank you, Drew. Good morning, and thank you for joining the Jack Henry Fourth Quarter and Full Year Fiscal 2026 Earnings Call. Joining me today are Greg Adelson, President and CEO; and Mimi Carsley, CFO and Treasurer. Following my opening remarks, Greg will provide a summary of our quarterly and annual results along with updates on our operations and strategic initiatives. Mimi will then discuss the financial results and fiscal 2027 guidance provided in yesterday's press release, which is available at the Investor Relations section of the Jack Henry website. Afterwards, we will open the lines for a Q&A session. Please note that this call includes forward-looking statements, which involve risks and uncertainties that could cause actual results to differ materially from our expectations. The company is not obligated to update or revise these statements. For a summary of risk factors and additional information that could cause actual results to differ materially from such forward-looking statements, refer to yesterday's press release and the Risk Factors and Forward-Looking Statements sections in our 10-K. During this call, we will discuss non-GAAP financial measures such as non-GAAP revenue and non-GAAP operating income. Reconciliations for these measures are included in yesterday's press release. Now I will hand the call over to Greg.
Thank you, Vance. Good morning, everyone, and thank you for joining us today. I want to start by recognizing our associates. Their hard work and unwavering focus on culture, service, innovation, strategy and execution helped deliver a historic year for Jack Henry. Today, I will cover three main takeaways from the quarter and fiscal year before diving deeper into our overall business. First, we delivered record financial performance in both the fourth quarter and full fiscal year. In Q4, our non-GAAP revenue was $633 million, up 7% over last year's fourth quarter and significantly higher than the implied guidance we provided for the quarter. Our non-GAAP operating margin was 21%. For the fiscal year, our non-GAAP revenue was $2.5 billion, up 7% over last year. Our non-GAAP operating margin was 24%, a very strong 92 basis point increase over the prior year. This was our third consecutive year of margin expansion of 60 basis points or greater and each exceeded our initial guide of 20 to 40 basis points. Second, we set new sales records for the year. Our sales and marketing team delivered an outstanding 58 competitive core wins for the year, up from 51 last year and surpassing our previous record of 57 wins achieved in both 2019 and 2024. This is the largest number in over 20 years when growth was largely driven by de novo institutions rather than …
| Métrica | Último | InteranualYoY significa Year-over-Year (interanual). Compara el último valor anual con el valor anual anterior para mostrar la fortaleza de la tendencia a largo plazo. | TrimestralQoQ significa Quarter-over-Quarter (intertrimestral). Compara el último trimestre con el trimestre inmediatamente anterior para mostrar cambios de impulso a corto plazo. |
|---|---|---|---|
| El dinero total que entró por la puerta principal al vender cosas, antes de pagar una sola factura. Piensa en esto como el gran total de cada compra con tarjeta de los clientes. (YoY compara el rendimiento de este año con el del año pasado, mientras que QoQ compara los tres meses actuales con los tres anteriores). |
| Nombre | Cargo | Remuneración | Género | Año de nacimiento | Estado |
|---|---|---|---|---|---|
Gregory R. Adelson | Chief Executive Officer, President & Director | USD 1,710,243 | Male | 1965 | Active |
Mimi Carsley | Chief Financial Officer & Treasurer |
| USD 1,080,175 |
| Female |
| 1970 |
| Active |
Shanon McLachlan | Senior Vice President, Executive Officer & Chief Operating Officer | USD 876,125 | Male | — | Active |
Craig Keith Morgan | Chief Legal Officer & Secretary | USD 869,950 | Male | 1976 | Active |
Mark Folk | Director of Corporate Communications | — | — | — | Active |
Benjamin Metz | Vice President and Chief Digital & Technology Officer | — | Male | — | Active |
Brian Otte | Vice President and Chief Sales & Marketing Officer | — | Male | — | Active |
Dennis McDonald | Vice President & Chief Information and Security Officer | — | Male | — | Active |
Michael Carnovali | Chief Risk & Compliance Officer | — | Male | — | Active |
Vance Sherard | Vice President of Investor Relations | — | Male | — | Active |
Renee A. Swearingen | Senior Vice President, Chief Accounting Officer & Assistant Treasurer | — | Female | 1969 | Active |
$2.38 por acción
BPA est. $1.76 · Ingresos $665.75M · 2 analistas
BPA est. $7.35 · Ingresos $2.69B · 10 analistas
| $2.5B |
| +5.1% |
| -0.5% |
| Beneficio netoEl resultado final absoluto. Si la empresa pagara a cada proveedor, empleado, banquero y recaudador de impuestos, este es el dinero real que queda en su bolsillo al final del día. | $502.8M | +10.3% | -9.5% |
| Margen brutoEl margen básico. Si venden unas zapatillas de 100 dólares, este porcentaje indica cuánto de ese precio es ganancia justo después de pagar el caucho y los cordones, pero antes de pagar el alquiler de la tienda o los anuncios de televisión. | +43.1% | +0.9% | -1.2% |
| Margen operativoLa puntuación de eficiencia del 'trabajo diario'. De cada dólar que gasta un cliente, esto muestra cuántos centavos mantiene la empresa después de fabricar el producto Y pagar todos los gastos generales corporativos (como salarios, marketing y mantener las luces encendidas). | +24.3% | +1.4% | -14.0% |
| Margen netoEl porcentaje final que se lleva a casa. Cuando se eliminan todos los costos concebibles, impuestos y pagos de intereses, este es el número exacto de centavos que la empresa realmente se queda de cada dólar en ventas. | +20.1% | +5.0% | -9.0% |
| Flujo de caja libreEl santo grial del efectivo corporativo. Es el dinero físico gastable que queda después de que el negocio paga sus operaciones diarias Y compra las actualizaciones grandes y costosas (como nuevas fábricas o servidores) que necesita para sobrevivir. Este es el dinero 'libre' que pueden usar para pagar dividendos o recomprar acciones. | $694.9M | +18.1% | +66.5% |
| Margen FCFLa tasa definitiva de conversión de efectivo. Muestra qué tan buena es la empresa para convertir ventas regulares directamente en efectivo frío, duro y gastable. Un porcentaje alto significa que el negocio es una auténtica máquina de imprimir dinero. | +27.8% | +12.4% | +67.3% |
| Deuda/PatrimonioEl indicador de riesgo financiero. Compara cuánto del imperio de la empresa se construyó con dinero prestado (préstamos) frente al dinero propio de los propietarios (accionistas). Un número alto significa que están muy apalancados y juegan un juego más arriesgado; un número bajo significa que juegan a lo seguro. | 1.9% | — | -53.8% |
| Ratio corrienteLa verificación de supervivencia de 12 meses. Simplemente compara el efectivo que tienen ahora mismo (más cosas que pueden convertirse rápidamente en efectivo) con las facturas inmediatas que absolutamente deben pagar este año. Una puntuación superior a 1 significa que tienen suficiente en la billetera para cubrir las próximas facturas sin entrar en pánico. | 1.17x | -8.3% | -33.1% |
| Activos totalesEl tamaño absoluto del imperio de la empresa. Agrupa absolutamente todo lo valioso que poseen, desde el efectivo en la caja registradora y el inventario en el almacén, hasta las patentes de software en la bóveda y las fábricas en el suelo. | $3.1B | +3.3% | +3.1% |
| Métrica | Anual (real vs estimado) | Sorpresa anual | Trimestral (real vs estimado) | Sorpresa trimestral |
|---|---|---|---|---|
| EPS Surprise | 6.98 vs 6.84 | +2.0% | 1.57 vs 1.76 | -10.9% |
| Revenue Surprise | $2.5B vs $2.5B | -1.4% | $633.1M vs $665.8M | -4.9% |
| Fecha | Ejecutivo | Cargo | Valor | Lado | Acciones | Precio |
|---|---|---|---|---|---|---|
| Sep 1, 2026 | Preece Richard | director | Restricted Stock Units | A | 270 | — |
| Aug 27, 2026 | Morgan Craig Keith | officer: CLO & Secretary | Common Stock | A | 1,206 | — |
| Aug 27, 2026 | Morgan Craig Keith | officer: CLO & Secretary | Common Stock | D | 532 | $172.39 |
| Aug 27, 2026 | Morgan Craig Keith | officer: CLO & Secretary | Common Stock | A | 513 | — |
| Aug 27, 2026 | Morgan Craig Keith | officer: CLO & Secretary | Common Stock | A | 1,130 | — |
