财务数据和关键指标变化 - 总收入增长6%,非GAAP收入增长7% [10] - 经营利润增长3%,非GAAP经营利润增长9% [10] - 核心业务收入增长7%,非GAAP增长8% [11] - 支付业务收入增长5%,非GAAP增长6% [11] - 补充解决方案业务收入增长5%,非GAAP增长8% [11] - 经常性收入占总收入超过91% [29] - 成本收入比增长7%,非GAAP增长7% [32] - 研发费用增长4%,非GAAP增长4% [32] - 销售及管理费用增长7%,非GAAP增长8% [33] - 非GAAP毛利率提升30个基点至20.8% [33] - GAAP每股收益增长7%至1.19美元 [33] 各条业务线数据和关键指标变化 - 核心业务非GAAP收入增长8%,非GAAP利润率提升216个基点 [33] - 支付业务非GAAP收入增长6%,非GAAP利润率提升121个基点 [34] - 补充解决方案业务非GAAP收入增长8%,非GAAP利润率提升33个基点 [35] 各个市场数据和关键指标变化 - 无明确提及 公司战略和发展方向及行业竞争 - 公司推出了基于人工智能和机器学习的金融犯罪防御解决方案,已有16个客户上线,175个客户在实施 [17] - 公司的Banno数字银行平台已有1160万注册用户,每月新增20万用户 [13] - 公司推出了Banno Business解决方案,已有124个客户上线,70个客户在实施 [17] - 公司正在开发数据中心和高管仪表盘等基于云原生API的解决方案 [17][18] - 公司正在开发云原生在线存款和贷款开户解决方案,计划2025年初进入测试阶段 [18] - 公司正在积极利用人工智能技术来增强客户解决方案和优化内部流程 [21] - 公司的品牌知名度在过去18个月内提升9个百分点,特别是在大型区域性金融机构和千禧一代群体中 [23] - 公司正在推进技术现代化战略,为大型金融机构提供创新技术解决方案 [22][23] - 公司正在加强在中型金融机构市场的拓展,已签约6家资产超20亿美元的机构 [12][95] - 公司认为金融科技公司进入银行业的挑战并不新鲜,因为他们往往缺乏银行业务的深入理解 [83][84] 管理层对经营环境和未来前景的评论 - 管理层对行业前景和公司长期发展前景保持乐观 [14] - 管理层认为金融机构对技术投资的需求仍然强劲,特别是在反欺诈、数字银行、数据分析和自动化等领域 [16] - 管理层认为尽管存款成本上升对利差产生压力,但整体经济前景较一年前更乐观 [20] - 管理层认为公司在技术现代化、创新解决方案和优质服务方面的优势,将继续推动公司的长期成功 [14] 问答环节重要的提问和回答 问题1 **Kartik Mehta 提问** 询问公司销售管线和收入预测 [50][51][52][53] **David Foss 和 Mimi Carsley 回答** - 公司第三季度销售创历史新高,销售管线接近历史高位 [50][51] - 公司各业务线收入增长保持良好,预计全年非GAAP收入增长可能在7.4%-8%区间的较低端 [52][53] 问题2 **Andrew Schmidt 提问** 询问公司利润率改善的原因及未来趋势 [62][63] **Mimi Carsley 回答** - 利润率改善主要得益于良好的执行力、产品组合优化和成本管控 [63] - 公司未来将继续关注投资于技术创新以及股东价值创造 [63] 问题3 **Darrin Peller 提问** 询问公司自由现金流转换率提升的原因及可持续性 [71][72][73] **Mimi Carsley 回答** - 自由现金流转换率提升主要得益于税收优化,公司预计全年自由现金流转换率将达70%-75% [73][39] - 公司将继续关注内部投资机会,同时也会考虑股票回购等资本配置策略 [133][134][135]

Jack Henry (JKHY) reported $538.56 million in revenue for the quarter ended March 2024, representing a year- over-year increase of 5.9%. EPS of $1.19 for the same period compares to $1.12 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $541.43 million, representing a surprise of -0.53%. The company delivered an EPS surprise of +2.59%, with the consensus EPS estimate being $1.16. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall ...

Jack Henry & Associates, Inc. (JKHY) reported third-quarter fiscal 2024 earnings of $1.19 per share, which beat the Zacks Consensus Estimate by 2.6%. The bottom line increased 6.3% from the year-ago quarter’s reported figure. Revenues improved 5.9% from the year-ago quarter’s reading to $538.6 million. The figure beat the Zacks Consensus Estimate of $541.4 million. JKHY’s non-GAAP revenues were $537.7 million, up 7% from the year-ago quarter. Top-line growth was driven by increased services and support, and ...

Jack Henry (JKHY) came out with quarterly earnings of $1.19 per share, beating the Zacks Consensus Estimate of $1.16 per share. This compares to earnings of $1.12 per share a year ago. These figures are adjusted for non- recurring items. This quarterly report represents an earnings surprise of 2.59%. A quarter ago, it was expected that this payment processsing company would post earnings of $1.14 per share when it actually produced earnings of $1.22, delivering a surprise of 7.02%. Over the last four quarte ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2024 JACK HENRY & ASSOCIATES, INC. (Exact name of Registrant as specified in its Charter) Delaware 0-14112 43-1128385 (Commission File Number) (State or other jurisdiction of (IRS Employer Identification No.) incorporation) 663 Highway 60, P.O. Box 807, Monett, MO 65708 (Address of Pr ...

Investors are always looking for stocks that are poised to beat at earnings season and Jack Henry & Associates, Inc. (JKHY) be one such company. The firm has earnings coming up pretty soon, and events are shaping up quite nicely for their report. That is because Jack Henry & Associates is seeing favorable earnings estimate revision activity as of late, which is generally a precursor to an earnings beat. After all, analysts raising estimates right before earnings — with the most up-to-date information possib ...

In its upcoming report, Jack Henry (JKHY) is predicted by Wall Street analysts to post quarterly earnings of $1.16 per share, reflecting an increase of 3.6% compared to the same period last year. Revenues are forecasted to be $542.51 million, representing a year-over-year increase of 6.7%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. This represents how the covering analysts, as a whole, have reassessed their initial estimates during this timeframe. Before a compa ...

Jack Henry's 2024 Strategy Benchmark offers insights into concerns, opportunities, and technology priorities MONETT, Mo., April 29, 2024 /PRNewswire/ -- Growing deposits and increasing operational efficiency are top priorities for community and regional financial institutions, according to Jack Henry's sixth-annual survey of bank and credit union CEOs. "With rising deposit costs putting pressure on net interest margins, banks and credit unions have greater urgency to enhance operational efficiency, especial ...

合并情况 - UniWyo信用合作社与Reliant联邦信用合作社在2023年第三季度合并，以改善人们生活和把人们放在首位的共同使命合作[2] - 合并后的信用合作社以UniWyo的名义运营，拥有超过7亿美元资产和57,000名会员，成为该州第二大信用合作社[2] - UniWyo和Reliant信用合作社与Jack Henry有着长期的合作关系，Jack Henry在合并过程中发挥了关键作用，提供了平稳的数据转换、无缝集成和一致的会员体验[3]

第三季度2024年度财报电话会议 - Jack Henry & Associates, Inc.® (NASDAQ: JKHY)将于2024年5月8日举行第三季度2024年度财报电话会议[1] - 可以在Jack Henry网站www.jackhenry.com上访问直播网络研讨会，拨打电话会议拨号号码为(833) 630-0605（美国参与者）和1 (412) 317-1830（国际参与者）[2] - 参与者可以要求加入Jack Henry & Associates电话会议，第三季度2024年度财报电话会议的存档重播将在直播后约一小时内在www.jackhenry.com上提供，或拨打(877) 344-7529并输入会议ID 2714678以收听重播[3] 第三季度2024年度解除转换收入结果 - 公司将在2024年4月29日市场收盘前发布第三季度2024年度解除转换收入结果的新闻稿[4]