Jack Henry & Associates — May 5, 2026 release

FAQ for Analysts / Investors 1.) Why does fiscal 2025 non-GAAP revenue used for growth calculation not match reported fiscal 2025 non-GAAP revenue? • The restructuring of a third-party agreement has resulted in a $16 million fiscal year-over-year revenue headwind, with $12 million of that coming in the first quarter and $3 million additional in the second and third quarters. • The remaining $1 million is expected to impact the fourth quarter. • This restructuring has also resulted in a decrease in the related costs and the impact on margins is expected to be minimal. • This has been adjusted for a consistent fiscal year-over-year comparison and is included in our fiscal year 2026 guidance (see page 9). 2.) What are some key elements of the outlook for the fourth quarter of fiscal 2026? • We expect the year-over-year revenue growth rates to slow slightly as we face overall tougher prior year comparables from the fourth quarter of fiscal 2025. • We expect some contraction in margins in the fourth quarter of fiscal 2026 compared to the fiscal year-to-date period margins that positively benefited from lower than normal expense for medical claims under our self-insured employee healthcare plan, especially during the first and second quarters. 15