JACK HENRY & ASSOCIATES INC

Jack Henry & Associates, Inc.

Overview

Jack Henry & Associates provides financial technology and services to community and regional banks, credit unions, and other corporate clients. Its offerings include core banking and credit union processing, digital banking, payments, and related services. The company emphasizes open, cloud-native technology, data-driven insights, and service excellence.

What the company does

• Core processing and complementary solutions for banks and credit unions
  • Three core banking platforms for banks and one core platform for credit unions
  • Core-agnostic, specialized complementary and payment solutions for financial institutions and other entities
• Cloud-first technology and platform strategy
  • Public cloud-native Jack Henry Platform (API-first) that unifies core and cloud solutions
  • Cloud-enabled digital banking, digital payments, and fraud detection offerings
• Payments and money movement
  • Card and payment processing through CPS and EPS (ACH, instant payments, card processing, RDC)
  • Payrailz (cloud-native digital payments), JHA PayCenter (Zelle, RTP, FedNow), and Payments Orchestrator (API-first embedded payments)
  • SMB-focused capabilities such as Tap2Local and Rapid Transfers
• Professional services and support
  • Implementation, training, and ongoing product support
  • Data centers, private cloud, image/processing services, and hardware remarketing
• Research and development
  • Ongoing R&D with capitalization of software development costs

Customers and scale

• Total client base: more than 7,200 financial institutions and diverse corporate entities
  • Core banking customers: over 900 banks
  • Core credit union customers: over 700 credit unions
  • Non-core (core-agnostic and other) clients: approximately 5,600
• Market reach (2025):
  • SilverLake System: used by more than 500 banks
  • CIF 20/20: used by more than 200 banks
  • Core Director: used by about 200 banks
  • Symitar: implemented by over 700 credit unions

Operations and footprint

• Employees: approximately 7,300 full-time and part-time associates (as of June 30, 2026)
• Facilities
  • Owned: 653,000 square feet across five states, including 154 acres in Monett, Missouri with eight buildings
  • Leased: 16 facilities totaling about 402,000 square feet across 13 states
• Aircraft: five owned for client engagements and operations

Financial and corporate activity

• Research and development expenses (fiscal years)
  • 2026: $176,445 thousand
  • 2025: $162,771 thousand
  • 2024: $148,256 thousand
• Capitalized software costs (fiscal years)
  • 2026: $184,243 thousand
  • 2025: $172,445 thousand
  • 2024: $167,175 thousand
• International sales: less than 1% of total revenue for 2026, 2025, and 2024
• Acquisition activity
  • 36 strategic acquisitions since the end of fiscal year 1999
  • Most recent acquisition (fiscal 2026): Victor Technologies, Inc., a cloud-native, API-first provider of direct-to-core embedded payments solutions

Products and platforms

• Core software systems
  • SilverLake System: commercial-focused, used by banks with assets from $1B to $55B
  • CIF 20/20: parameter-driven platform
  • Core Director: cost-efficient core
  • Symitar: core platform for credit unions, used by credit unions with assets from $21M to over $36B
• Complementary and digital products
  • Business intelligence, analytics, imaging, risk management, digital/mobile banking, and payment support integrated with core systems
  • Hardware remarketing and resale of hardware-related services
• Digital and payments ecosystem
  • Banno Digital Platform (digital banking)
  • PayCenter, JHA PayCenter, CPS, EPS, Payrailz, and Payments Orchestrator
  • Tap2Local and Rapid Transfers for SMB cash flow and liquidity
• Cloud modernization
  • Jack Henry Platform serves as a hub for open integrations and rapid upgrades across core, digital banking, payments, and third-party solutions