The organization emphasizes a people-first, culture-driven approach with transparency, consistency, collaboration, and open communication, supporting high associate engagement and industry-leading client retention exceeding 99%.
The business model targets associates, clients, and shareholders, with 22 consecutive years of dividend increases and a focus on enabling clients to win in their markets.
Product rationalization continues, with 18 products retired since 2025 and ongoing evaluation for divestiture or sunsetting.
Award-winning culture recognized by major publications, reinforcing consistency in service and innovation.
Celebrating 50 years, the organization is committed to helping community and regional financial institutions thrive.
FY 2026 delivered 7.3% organic revenue growth, 92 bps margin expansion, and double-digit GAAP EPS growth for the third consecutive year, with GAAP EPS at $6.98.
Return on invested capital reached 23.2%, with over $539 million in free cash flow and free cash flow conversion at 100.7%.
FY 2027 guidance: GAAP revenue of $2.684B–$2.709B (+5.5% to +6.5% YoY), non-GAAP adjusted revenue growth of 6.3%–7.3%, continued margin expansion, and 80%–100% free cash flow conversion.
Long-term revenue growth targeted at 7–8%+, with compounding growth as the company scales and >99% client retention.
Capital allocation remains disciplined, supporting reinvestment, M&A, shareholder returns, and potential to reduce share count by over 11% by FY 2029 absent M&A.
R&D investment is 14%–15% of revenue annually, with $358M spent in 2026, focusing on cloud, AI, compliance, payments, and open architecture.
The Jack Henry Platform is API-first, cloud-native, and fully integrated with foundational cores, enabling rapid innovation and modular adoption without core conversions.
Over 650 new features are added annually, with 90%+ roadmap execution and transparent client-facing roadmaps.
Tap2Local, a small business payment solution, is live with 900+ clients, offers instant onboarding and contactless payments, and was recognized as a FinTech Breakthrough Award winner.
New launches include expense management, virtual card issuance, peer-to-peer payments, tokenized deposits, and stablecoins, all deeply integrated and branded for financial institutions.
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