What Jack Henry & Associates's FY2026 10-K says: 9 signals
Jack Henry & Associates filed its latest 10-K with the SEC on Aug 28, 2026. It discusses cloud investment, competitor named and customer churn.
Public (JKHY)Financial Services10,000+ employeesjackhenry.comLinkedIn
- Filed
- Aug 28, 2026
- Period
- FY2026
- Fiscal year end
- 06/30
- Filings
- 1
10-K · latest 9
What Jack Henry & Associates's 10-K filings say
- SEC EDGAR
10-K · FY2026
Filed · Fiscal year ends 06/30 · 9 signals
Company confirms it has experienced phishing, social engineering, and other cybersecurity incidents.
The company explicitly states that cybersecurity incidents, including successful phishing and social engineering attacks, have occurred in its systems.
ransomwaremalwarephishingdeepfakes
Company admits to past cybersecurity incidents and faces increasing threats from AI-powered attacks.
JKHY explicitly states it has experienced cybersecurity incidents, including phishing and social engineering attacks, creating significant operational and reputational risk.
AIransomwaremalwaredeepfakes
Increasing reliance on third-party public cloud providers for core operations.
The company is actively moving computing, storage, and processing services from its own data centers to third-party public cloud and co-location facilities.
public cloudprivate cloud
Launched new SMB payment solutions, Tap2LocalTM and Rapid Transfers, to expand market share.
Jack Henry is strategically targeting the Small and Medium-Sized Business (SMB) market by launching new embedded payment capabilities like Tap2Local™ (mobile device payments) and Rapid Transfers (faster funds).
mobile paymentsreal-time paymentsZelleRTP
JKHY experiencing 'price compression' on contract renewals due to intense competition.
The company is being forced to lower prices on renewed contracts, which is negatively impacting revenue and profit margins.
A significant number of JKHY's core client contracts, which typically have six-year terms, are up for renewal each year.
Facing increasing competition from fintechs, payment providers, and technology platforms.
Jack Henry explicitly identifies a growing threat from non-traditional competitors like financial technology companies and specialized payment providers that are eroding their market.
financial technology companiespayment-focused providerstechnology platforms
Experiencing price compression on major contract renewals, impacting revenue and margins.
The company reports that renewals of its long-term (typically six-year) service contracts have resulted in lower prices compared to previous agreements.
JKHY discloses increasing reliance on a limited number of third-party cloud and hosting providers.
Any disruption, failure, or security incident from these third-party providers could lead to service outages and significant operational harm, creating a need for multi-cloud management and resiliency solutions.
public cloud
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Questions about Jack Henry & Associates 10-K
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Source. Annual reports (Form 10-K) filed with the SEC. Every card links to the filing on EDGAR.
Method. Insights are extracted from the filing text and grouped by category. Numbers are quoted from the filing.
Data as of .