Jack Henry & Associates — Aug 18, 2026 release

GAAP to Non-GAAP GUIDANCE (Dollars in millions, except per share data) Annual FY'27 Adjusted for FY'27 Comparison Reported Change (Acquisition) Low High FY26 FY26 FY26 GAAP REVENUE $ 2,684   $ 2,709   $ 2,544   $ 2,544   $ —        Growth 5.5   % 6.5   % Deconversions* 23   23   43   43   —   Acquisition 2   2   —   5   (5) NON-GAAP ADJUSTED REVENUE** $ 2,659   $ 2,684   $ 2,502   $ 2,496   $ 5        Non-GAAP Adjusted Growth 6.3   % 7.3   % GAAP OPERATING EXPENSES $ 2,025   $ 2,039   $ 1,909   $ 1,909   $ —        Growth 6.1   % 6.8   % Deconversion costs* 5   5   13   13   —   Acquisition costs 3   3   —   8   (8) Gain on assets, net —   —   (7) (7) —   NON-GAAP ADJUSTED OPERATING EXPENSES** $ 2,018   $ 2,031   $ 1,903   $ 1,895   $ 8        Non-GAAP Adjusted Growth 6.0   % 6.7   % GAAP OPERATING INCOME $ 658   $ 670   $ 635   $ 635   $ —        Growth 3.7   % 5.5   % GAAP OPERATING MARGIN 24.5   % 24.7   % 25.0   % 25.0   % NON-GAAP ADJUSTED OPERATING INCOME** $ 641   $ 653   $ 598   $ 601   $ (3)      Non-GAAP Adjusted Growth 7.2   % 9.1   % NON-GAAP ADJUSTED OPERATING MARGIN 24.1   % 24.3   % 23.9   % 24.1   % GAAP EPS $ 7.33   $ 7.38   $ 6.98   $ 6.98   $ —        Growth 5.0   % 5.7   % *Deconversion revenue and related operating expenses for fiscal year 2027 are based on the lowest actual recent historical results. See the Company’s Form 8-K filed with the Securities and Exchange Commission on August 3, 2023. **GAAP to Non-GAAP revenue, operating expenses, and operating income may not foot due to rounding. 10 Balance Sheet and Cash Flow Review                • Cash and cash equivalents were $12 million at June 30, 2026, compared to $102 million at June 30, 2025. • Trade receivables were $349 million at June 30, 2026, and $318 million at June 30, 2025. • The Company had $40 million of borrowings at June 30, 2026, compared to $0 of borrowings at June 30, 2025. • Deferred revenue was $372 million at June 30, 2026, compared to $363 million at June 30, 2025. • Stockholders' equity decreased to $2,052 million at June 30, 2026, compared to $2,131 million at June 30, 2025. * See table below for Net Cash Provided by Operating Activities and on pa