How does Jack Henry & Associates (JKHY) make money?

Jack Henry & Associates (JKHY) generates revenue primarily from Payments, which accounted for 38.1% of total revenue in TTM through Q1 2026. The company reported $2.52B in revenue and converted 20.6% of it into net profit, equivalent to roughly $519.15M in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of Jack Henry & Associates (JKHY)?

Jack Henry & Associates (JKHY) reported a gross profit margin of 44.1% in TTM through Q1 2026, equivalent to $1.11B in gross profit on $2.52B in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of Jack Henry & Associates (JKHY)?

Jack Henry & Associates (JKHY) reported an operating profit margin of 26% in TTM through Q1 2026, equivalent to $653.96M in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of Jack Henry & Associates (JKHY)?

Jack Henry & Associates (JKHY) reported a net profit margin of 20.6% in TTM through Q1 2026, equivalent to $519.15M in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is Jack Henry & Associates (JKHY) profitable?

Yes. Jack Henry & Associates (JKHY) reported $519.15M in net income for TTM through Q1 2026, with a net profit margin of 20.6%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does Jack Henry & Associates (JKHY) invest in research and development?

Jack Henry & Associates (JKHY) invested $169.19M in research and development during TTM through Q1 2026, roughly 6.7% of total revenue. R&D spending funds the company's future product pipeline and is expensed in full on the income statement rather than capitalised, which makes the operating margin sensitive to how aggressively management chooses to reinvest in innovation.

How much does Jack Henry & Associates (JKHY) spend on capital expenditures?

Jack Henry & Associates (JKHY) spent $58.79M on capital expenditures (CapEx) during TTM through Q1 2026, roughly 2.3% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does Jack Henry & Associates (JKHY) generate?

Jack Henry & Associates (JKHY) generated $727.61M in free cash flow during TTM through Q1 2026, a free-cash-flow margin of 28.9%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of Jack Henry & Associates (JKHY)?

Jack Henry & Associates (JKHY) had an effective tax rate of 22.9% in TTM through Q1 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of Jack Henry & Associates (JKHY)?

Jack Henry & Associates (JKHY) reports revenue across 3 reportable product segments, led by Payments at 38.1% of total revenue in TTM through Q1 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How Jack Henry & Associates Makes Money: 2026 Visual Revenue Map

Jack Henry & Associates (JKHY) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported May 7, 2026).

Jack Henry & Associates discloses geographic revenue only in annual filings. to view the full breakdown.

Jack Henry & Associates (JKHY) Revenue by Product Segment — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for Jack Henry & Associates (JKHY) in TTM through Q1 2026.
Segment	Revenue (USD)	% of total
Payments	$957.49M	38.1%
Core Segment	$793.62M	31.5%
Complementary	$764.58M	30.4%
Total	$2.52B	100%

Payments$957.49M
Core Segment$793.62M
Complementary$764.58M
Total$2.52B

Revenue Breakdown — TTM through Q1 2026

In TTM through Q1 2026, Jack Henry & Associates (JKHY) reports revenue across 3 operating segments; the largest segment was Payments at 38.1%, followed by Core Segment (31.5%) and Complementary (30.4%).

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