Jack Henry & Associates reported third‑quarter 2025 results that surpassed expectations, with earnings per share of $1.97 versus the consensus estimate of $1.71—a $0.26 or 15.2% beat. The company’s GAAP EPS rose from $1.63 in the same quarter a year earlier, reflecting a 20.9% year‑over‑year increase.
Total revenue reached $644.7 million, up 7.3% from $600.5 million in Q3 2024. The growth was driven by a 5.6% year‑over‑year increase in the Services & Support segment, which accounts for 58.5% of total revenue, and a 9.6% rise in the Processing segment, which represents 41.5% of revenue. These segment gains offset modest headwinds in legacy product lines.
Operating income climbed to $190.3 million, giving a 29.5% operating margin—an expansion from 28.8% a year earlier—thanks to higher mix in high‑margin services and disciplined cost management. The company also reported deconversion revenue of $9.6 million, a figure excluded from non‑GAAP earnings.
Management highlighted resilient demand for its banking‑technology solutions and emphasized continued margin expansion. The company updated its full‑year revenue guidance to a midpoint of $2.5 billion, a slight increase from the previous $2.49 billion, and maintained its GAAP EPS guidance at $6.44, aligning with analyst expectations.
Investors responded positively to the earnings beat and the modest upward revision in revenue guidance, underscoring confidence in Jack Henry’s ability to sustain growth and profitability in the banking‑technology sector.
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