Jack Henry & Associates, Inc. provides technology solutions and payment processing services primarily for financial services organizations in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutions under the Jack Henry Banking brand; core data processing solutions for various credit unions under the Symitar brand; and specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial institutions and corporate entities under the ProfitStars brand. It also provides a suite of integrated applications required to process deposit, loan, and general ledger transactions, as well as to maintain centralized customer/member information; and complementary products and services that enable core bank and credit union clients to respond to evolving customer/member demands. The company's Jack Henry Banking business brand offers SilverLake, a robust primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven, easy-to-use system for banks; and Core Director, a cost-efficient system with point-and-click operation. Its Symitar business brand provides Episys, a robust designed for credit unions. In addition, the company offers digital products and services and electronic payment solutions; purchases and resells hardware systems, including servers, workstations, scanners, and other devices; and provides implementation, training, and support services. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri.

Jack Henry & Associates, Inc.

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Income Statement	LTM	Jun '25	Jun '24	Jun '23	Jun '22	Jun '21	Jun '20	Jun '19	Jun '18	Jun '17	Jun '16
Total Revenues	2,419	2,375.3	2,215.5	2,077.7	1,942.9	1,758.2	1,697.1	1,552.7	1,470.8	1,388.3	1,354.6
Total Revenues %Chg	7.7%	7.2%	6.6%	6.9%	10.5%	3.6%	9.3%	5.6%	5.9%	2.5%	7.8%
License
Support and Service
Hardware
Cost of Sales	1,365.9	1,360.7	1,299.5	1,219.1	1,128.6	1,063.4	1,008.5	923	853.1	805.9	773.7
Cost of License
Cost of Support and Service
Cost of Hardware
Gross Profit	1,053.2	1,014.5	916.1	858.6	814.3	694.8	688.6	629.7	617.7	582.4	581
Gross Profit Margin	43.5%	42.7%	41.3%	41.3%	41.9%	39.5%	40.6%	40.6%	42%	42%	42.9%
Selling, General & Administrative Expenses	289.3	283.1	278.4	235.3	218.3	187.1	198	186	171.7	159.2	157.6
Selling and Marketing
General and Administrative
Selling, General, and Administrative
Research & Development Expenses	162.4	162.8	148.3	142.7	121.4	109	110	96.4	90.3	84.8	81.2
Research and Development
Other Operating Expenses	—	—	—	—	—	—	—	—	1.9	3.3	19.5
Loss on Disposal of Businesses
Operating Profit	601.5	568.7	489.4	480.7	474.6	398.7	380.6	347.3	353.7	335.2	322.7
Operating Margin	24.9%	23.9%	22.1%	23.1%	24.4%	22.7%	22.4%	22.4%	24%	24.1%	23.8%
Interest and Investment Income	26.6	27.8	25	9	0	0.2	1.1	0.9	0.6	0.2	0.3
Interest Income
Interest Expense	-8.5	-10.4	-16.4	-15.1	-2.4	-1.1	-0.7	-0.9	-1.9	-1	-1.4
Interest Expense
Total Non-Operating Income	18.1	17.3	8.6	-6.1	-2.4	-1	0.4	-0.1	-1.3	-0.7	-1.1
Income Before Provision for Income Taxes	619.6	586	498	474.6	472.3	397.7	381.1	347.2	352.4	334.4	321.6
Provision for Income Taxes	139	130.3	116.2	107.9	109.4	86.3	84.4	75.4	-8.9	111.4	111.7
Provision for Income Taxes
Consolidated Net Income	480.5	455.7	381.8	366.6	362.9	311.5	296.7	271.9	361.2	223	209.9
Income from Continuing Operations
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Loss from Operations of Discontinued Component
Income Tax Benefit
Loss on Discontinued Operations
Discontinued Operations
Discontinued Operations
Net Income Attributable to Common Shareholders	480.5	455.7	381.8	366.6	362.9	311.5	296.7	271.9	365	229.6	248.9
Net Income
Basic EPS	6.6	6.3	5.2	5	5	4.1	3.9	3.5	4.7	3	3.1
Diluted EPS	6.6	6.2	5.2	5	4.9	4.1	3.9	3.5	4.7	2.9	3.1
Basic Weighted Average Shares Outstanding	54.7	72.9	72.9	72.9	73.3	75.5	76.8	77.2	77.3	77.9	79.4
Total Shares Outstanding	72.4	72.8	72.9	72.9	72.9	74	76.6	77	77.2	77.4	78.7
Diluted Weighted Average Shares Outstanding	54.8	73	73	73.1	73.5	75.7	76.9	77.3	77.6	78.3	79.7
EBITDA	807.7	773.5	689.3	671.4	652.2	574.5	552.4	507.9	505.7	475	452.3
Effective Tax Rate	22.4%	22.2%	23.3%	22.7%	23.2%	21.7%	22.1%	21.7%	-2.5%	33.3%	34.7%