Filings monitor · JKHY

What JACK HENRY & ASSOCIATES INC's SEC filings said

10-Q for 2026Q3, filed 6 Nov 2026. Each line is something a filing stated, ranked by score and linked to its source.

Ranked highest

1. Capital Expenditures Program73 · importance in its document · 10-Q · 2026Q3
   Capital expenditures for facilities and equipment were $26.960 million in the three months ended September 30, 2026, compared with $8.880 million in the prior-year period.,The expenditures primarily funded additional equipment and improvements to existing facilities and were funded from available liquidity, including operating cash and credit-facility borrowings.,Fiscal 2027 facilities and equipment capital expenditures are expected to total approximately $70 million to $80 million.
2. Interest Rate Exposure70 · importance in its document · 10-Q · 2026Q3
   On March 25, 2026, the company entered a five-year, unsecured revolving credit agreement allowing borrowings up to $1 billion. Borrowings bear variable interest based on adjusted Term SOFR or an alternate base rate, plus a percentage…
3. Guidance raised60 · rule score among filings · 8-K Item 2.02 · 3 Nov 2026
   Compared to the same period in the prior fiscal year: First Qtr Revenue First Qtr Operating Income GAAP Non-GAAP 1 GAAP Non-GAAP 1 increased increased increased increased 8.8% 7.2% 12.5% 11.2% First Qtr Net Income First Qtr EBITDA GAAP…
4. Acquisition / Partnership / Divestiture59 · importance in its document · 10-Q · 2026Q3
   On September 30, 2025, Jack Henry acquired substantially all assets of Victor for $42.390 million in cash. The company said the acquisition was intended to expand its capabilities in the Payments-as-a-Service market. Victor is a…
5. Share Repurchase Program59 · importance in its document · 10-Q · 2026Q3
   Jack Henry repurchased 462 shares during the first three months of fiscal 2027, compared with 389 shares in the prior-year quarter.,The company spent $70.903 million on treasury-stock purchases in fiscal 2027’s first quarter.,At September 30, 2026, the company had authority to repurchase up to 5.002 million additional shares and held 34.989 million shares in treasury stock.

Ranked by score, 0–100. A topic read from a document carries its importance within that document; an 8-K event carries the rule score that ranks a filing among filings. Neither is about the share price, and the two scales are named on each row because they are not the same measure.

Latest report: 10-Q · 2026Q3 filed 6 Nov 2026

Full report · Filing on EDGAR

• Capital Expenditures ProgramImportance 73
  Capital expenditures for facilities and equipment were $26.960 million in the three months ended September 30, 2026, compared with $8.880 million in the prior-year period.,The expenditures primarily funded additional equipment and improvements to existing facilities and were funded from available liquidity, including operating cash and credit-facility borrowings.,Fiscal 2027 facilities and equipment capital expenditures are expected to total approximately $70 million to $80 million.
• Interest Rate ExposureImportance 70
  On March 25, 2026, the company entered a five-year, unsecured revolving credit agreement allowing borrowings up to $1 billion. Borrowings bear variable interest based on adjusted Term SOFR or an alternate base rate,…
• Acquisition / Partnership / DivestitureImportance 59
  On September 30, 2025, Jack Henry acquired substantially all assets of Victor for $42.390 million in cash. The company said the acquisition was intended to expand its capabilities in the Payments-as-a-Service market.…
• Share Repurchase ProgramImportance 59 · +1 more on this subject
  Jack Henry repurchased 462 shares during the first three months of fiscal 2027, compared with 389 shares in the prior-year quarter.,The company spent $70.903 million on treasury-stock purchases in fiscal 2027’s first quarter.,At September 30, 2026, the company had authority to repurchase up to 5.002 million additional shares and held 34.989 million shares in treasury stock.
• Operating Cash Flow TrendsImportance 58
  Net cash provided by operating activities increased 34% to $161.253 million in the first three months of fiscal 2027 from $120.590 million in the prior-year period.,The increase was primarily due to year-over-year changes in income taxes and deferred income taxes.,Cash and cash equivalents increased to $25.356 million at September 30, 2026, from $12.056 million at June 30, 2026.
• Guidance / OutlookImportance 54
  Management said it expects fiscal 2027 capital expenditures on facilities and equipment to be approximately $70 million to $80 million. The spending is primarily for additional equipment and improvements to existing…
• Debt and Liquidity PositionImportance 51
  Outstanding borrowings under the company’s revolving credit facility were $85 million at September 30, 2026, up from $40 million at June 30, 2026.,The five-year unsecured revolving credit agreement permits borrowings up to $1 billion and terminates on March 25, 2031.,The company repaid $143 million and borrowed $188 million under credit facilities during the first three months of fiscal 2027, and reported compliance with all credit-agreement financial covenants at quarter-end.
• Revenue Performance and MixImportance 43 · +1 more on this subject
  First-quarter fiscal 2027 revenue increased 8.8%, or $56.809 million, to $701.547 million year over year; excluding deconversion and acquisition revenue in the current quarter and deconversion revenue in the prior-year quarter, growth was 7.2%.,Services and support revenue grew 7.5% to $404.961 million, or 5.1% excluding deconversion revenue, primarily from hosting growth as clients migrated to the cloud and processing volumes expanded, partly offset by Connect conference timing.,Processing revenue increased 10.7% to $296.586 million, or 10.2% excluding the acquired company’s revenue, driven by card service and risk-management fees, digital and transaction activity, and faster payments volumes.
• Operating Income and MarginsImportance 42 · +1 more on this subject
  Operating income increased 12.5%, or $23.006 million, in the first quarter of fiscal 2027 compared with the prior-year quarter.,After adjusting for deconversion operating income and expenses and the prior-year gain on certain assets, operating income increased 11.2%, primarily from organic revenue growth.,Operating expenses increased 7.3%, or $33.803 million; excluding specified deconversion, acquisition, and prior-year asset-gain effects, the increase was 5.7%.,Cost of revenue increased 7.9% to $376.046 million, with higher direct and personnel costs, cloud consumption including AI and security costs, intangible amortization, and infrastructure licenses and fees partly offset by increased labor-cost deferral; cost of revenue remained consistent as a percentage of revenue.
• Interest Income and ExpenseImportance 38
  Interest income decreased 28.7% to $5.092 million for the three months ended September 30, 2026, from $7.139 million in the prior-year period.,Interest expense increased 72.5% to $1.528 million from $0.886 million.,The filing attributed lower interest income to reduced interest-earning balances and higher interest expense to increased credit-line balances.
• Cloud Adoption and Payment VolumesImportance 23 · +1 more on this subject
  New and existing clients continue migrating to Jack Henry’s cloud services, while processing volumes expand, supporting hosting growth in the Core and Complementary segments. Complementary digital and transaction…
• Research and Development ExpenseImportance 23
  Research and development expense increased 16.6% to $45.781 million in the first quarter of fiscal 2027 compared with the prior-year quarter.,Excluding $0.658 million of research and development costs for the company acquired in the prior fiscal year, the increase was 14.9%.,The increase was primarily due to higher personnel costs, net of capitalization, partly related to trailing-twelve-month headcount growth; research and development remained consistent as a percentage of revenue.

Capital spending check: Capital spending up sharply (Flagged, rule score 55).

8-K filings last 12 months

• Guidance raised3 Nov 2026 · 8-K Item 2.02 · Flagged · rule score 60
  “Compared to the same period in the prior fiscal year: First Qtr Revenue First Qtr Operating Income GAAP Non-GAAP 1 GAAP Non-GAAP 1 increased increased increased increased 8.8% 7.2% 12.5% 11.2% First Qtr Net Income First Qtr EBITDA GAAP…”
  Read from the attached exhibit: Guidance / Outlook · Capital Expenditures and Free Cash Flow · Revenue Performance and Mix
• Results, no stated guidance change29 Oct 2026 · 8-K Item 2.02 · Routine · rule score 10
  Read from the attached exhibit: Guidance / Outlook
• Board change24 Aug 2026 · 8-K Item 5.02 · Routine · rule score 10
  “On August 20, 2026, the Board of Directors (the “Board”) of Jack Henry & Associates, Inc. (the “Company”) appointed Richard N. Preece as a director of the Company to fill the vacancy created when David B. Foss retired from the Board on…”
• Results (release not read)18 Aug 2026 · 8-K Item 2.02 · Routine · rule score 20
  Read from the attached exhibit: Guidance / Outlook · Share Repurchase Program · Acquisition / Partnership / Divestiture
• Results (release not read)11 Aug 2026 · 8-K Item 2.02 · Routine · rule score 20
• Management change (filing not read)4 Jun 2026 · 8-K Item 5.02 · Routine · rule score 20
• Results (release not read)5 May 2026 · 8-K Item 2.02 · Routine · rule score 20
• Results (release not read)28 Apr 2026 · 8-K Item 2.02 · Routine · rule score 20
• New debt26 Mar 2026 · 8-K Items 1.01, 2.03 · Routine · rule score 25
• Results (release not read)3 Feb 2026 · 8-K Item 2.02 · Routine · rule score 20
• Results (release not read)27 Jan 2026 · 8-K Item 2.02 · Routine · rule score 20
• Management change (filing not read)14 Nov 2025 · 8-K Item 5.02 · Routine · rule score 20

Earlier reports

• 10-K · 2026filed 28 Aug 2026
  Capital Return Program · Liquidity and Debt Position · Contractual Obligations

Topics are read from the text of the 10-K, 10-Q or the exhibit attached to an 8-K, each linked to the passage it came from. 8-K events are labelled by fixed rules from the item codes and the filing text — the same rules for every company and every year. The Full Picture merges these with earnings calls and news.