Jack Henry & Associates reported fiscal 2026 revenue of $2.54 billion, up 7.1%, with GAAP operating income rising 11.7% to $635.0 million and GAAP EPS increasing 11.9% to $6.98. In the fiscal fourth quarter ended June 30, 2026, revenue rose 4.7% to $644.0 million, while GAAP operating income fell 12.2% to $136.8 million and GAAP EPS declined 10.2% to $1.57. On a non-GAAP basis, adjusted revenue increased 6.6% in the quarter and 7.3% for the year, while adjusted operating income slipped 3.1% in the quarter and rose 11.6% for the year. The company said full-year growth was driven by gains in services and support and processing, including higher private and public cloud revenue, digital and transaction activity, card fees and faster payments. Fourth-quarter expenses rose faster than revenue, with higher personnel, compensation, benefit, medical, software amortization and internal license costs weighing on margins. Operating margin narrowed to 21.2% in the quarter from 25.3% a year earlier, but improved to 25.0% for the full year from 23.9%. Management said fiscal 2026 delivered record sales and record non-GAAP revenue, supported by 58 competitive core wins, including 14 institutions with more than $1 billion in assets. For fiscal 2027, Jack Henry forecast GAAP revenue of $2.684 billion to $2.709 billion, operating margin of 24.5% to 24.7%, and EPS of $7.33 to $7.38. It also projected non-GAAP adjusted revenue of $2.659 billion and adjusted operating margin of 24.1% to 24.3%, assuming no acquisitions or dispositions during the year. Cash and cash equivalents fell to $12.1 million at June 30, 2026, from $102.0 million a year earlier, while debt outstanding rose to $40 million from zero. The company repurchased $448 million of stock during fiscal 2026 and $164 million in the fourth quarter.