JKHY · 10-K · 2026A · Full report

Liquidity and Debt Position

JACK HENRY & ASSOCIATES INC · 2026-08-28 · Importance 71 · Surprise 82 · Matches filing data

At June 30, 2026, cash and cash equivalents were $12.1 million, down from $102.0 million at June 30, 2025, while debt outstanding was $40.0 million. On March 25, 2026, the company entered into a five-year unsecured revolving credit agreement permitting borrowings up to $1.0 billion, replacing its prior facility. The new agreement terminates March 25, 2031, and the company was in compliance with all financial covenants at fiscal year-end. A separate $50.0 million committed revolving line expired July 17, 2026, with no balance outstanding at June 30, 2026.

Key facts

• On March 25, 2026, Jack Henry & Associates entered into a five-year unsecured revolving credit agreement allowing borrowings of up to $1,000,000, replacing its prior credit agreement. source
• Jack Henry & Associates' cash and cash equivalents decreased to $12,056 at June 30, 2026, from $101,953 at June 30, 2025. source
• Jack Henry & Associates' prior credit agreement allowed borrowing up to $600,000, with the ability to increase the amount to $1,000,000, and terminated August 31, 2027. source
• Jack Henry & Associates' $50,000 discretionary demand-note line of credit, carrying interest at prime less 2.0%, expired October 31, 2025. source
• Jack Henry & Associates stated that it had adequate capital resources and sufficient access to external financing to meet current and reasonably anticipated funding needs. source
• Jack Henry & Associates' new credit agreement terminates March 25, 2031, and had $40,000 outstanding at June 30, 2026. source
• Jack Henry & Associates entered into a $50,000 unsecured committed revolving credit facility on July 18, 2025, at prime less 1.0%; it expired July 17, 2026, with no balance outstanding at June 30, 2026. source
• Jack Henry & Associates was in compliance with all financial covenants under its credit agreement as of June 30, 2026. source

Impact estimates