Jack Henry & Associates, Inc. · NASDAQ:JKHY
Jack Henry & Associates — Shareholder Meeting (2025)
23 slides from Jack Henry & Associates's shareholder meeting presentation, 2025
Slide 1: 2025 Annual Meeting of Stockholders
2025 Annual Meeting of Stockholders © 2025 Jack Henry & Associates, Inc.® 1
Slide 2: We enable our clients to WIN in markets they serve
We enable our clients to WIN in markets they serve For over 49 years, we have provided technology and services to strengthen the connections between financial institutions and the businesses and communities they serve. A lot of things have changed over the years, but one thing that hasn’t is our com
Slide 3: 5 focus areas set us apart from our competitors
5 focus areas set us apart from our competitors Strength Partnership Future Focused JH is a strong, healthy Partnering with our clients and Now more than ever, we must see company with a deeply leveraging our industry-leading around corners with an emphasis rooted people-first culture customer servi
Slide 4: The Four Tenets
The Four Tenets Transparency Candid and open communication T Communication C C Ensuring important information is flowing through a variety of mediums Consistency C Developing similar and repeatable processes Collaboration Working together unselfishly toward a common goal © 2025 Jack Henry & Associat
Slide 5: Jack Henry Strategic Direction
Jack Henry Strategic Direction Purpose Mission Vision Purpose: We strengthen connections To empower people and To be the leading fintech 10-15 year horizon between people and their financial communities to gain the ecosystem orchestrating institutions through technology and financial freedom to move
Slide 6: Nurturing our people-first culture
Nurturing our people-first culture Pat Hall, Greg Adelson & Brenda Henry © 2025 Jack Henry & Associates, Inc.® 6
Slide 7: We value our 7,200+ associates
We value our 7,200+ associates ~10 years average tenure 81% overall engagement score 88% 80% 85% believe in feel a sense feel Jack Henry Jack Henry’s of belonging demonstrates values integrity © 2025 Jack Henry & Associates, Inc.® 7
Slide 8: Industry-leading customer service
Industry-leading customer service © 2025 Jack Henry & Associates, Inc.® 8
Slide 9: Industry-leading customer service
Industry-leading customer service ~7,400 clients 55% core clients with us for 20+ years Core client retention 99% (excluding industry consolidation) >14.3M Banno users 4.61 (FY 2025) 1 2 3 4 5 Meets Not Satisfied Expectations Extremely Satisfied © 2025 Jack Henry & Associates, Inc.® 9
Slide 10: © 2025 Jack Henry & Associates, Inc. ®
© 2025 Jack Henry & Associates, Inc.® 10
Slide 11: Technology innovation
Technology innovation © 2025 Jack Henry & Associates, Inc.® 11
Slide 12: Investments in Technology
Investments in Technology • Technology Modernization strategy • Continued innovation in foundational core systems • Banno platform including: • Business applications • Financial crimes platform • Enterprise account opening platform • SMB strategy and initiatives 14%-15% • AI operational and product
Slide 13: Banking and Industry Insights
Banking and Industry Insights • Financial institution mergers and acquisitions (M&A) continues to increase. • Regulatory landscape remains unclear in key areas of innovation, specifically stablecoin. • Stablecoin "hype" remains ongoing, and we are proceeding with our strategy. • Bank Director survey
Slide 14: Banking and Industry Insights (cont'd)
Banking and Industry Insights (cont’d) • Macroeconomic uncertainty, including higher interest rates, inflation, and geopolitical conflicts, presents a potential risk to bank profitability. • Artificial intelligence is advancing as we maintain a responsibly ’bold and balanced’ approach, yielding high
Slide 15: FY25 Highlights
FY25 Highlights • Record revenue and operating income with improved Key Metrics • Record sales bookings • Technology Modernization strategy and execution • Successful rollout of ISO20022 • Seamless executive transition and additional new leaders in key roles • Driving AI usage & programs © 2025 Jack
Slide 16: Financial Update
Financial Update © 2025 Jack Henry & Associates, Inc.® 16
Slide 17: Key Performance Indicators
Delivered on FY25 targets Revenue Growth* 6.5% 5 Operating Margin* Expansion / (Contraction), bps 70 bps Return on Invested Capital (ROIC) 22.1% 90.0% Key Performance Free Cash Flow Conversion $410M FCF Indicators GAAP Earnings per Share $6.24 19.3% growth *Non-GAAP © 2025 Jack Henry & Associates, I
Slide 18: Consistent execution delivers strong results
Consistent execution delivers strong results 7.4% Non-GAAP Revenue 3-yr CAGR 8.1% Non-GAAP Operating Income 3-yr CAGR © 2025 Jack Henry & Associates, Inc.® 18
Slide 19: Revenue model resiliency
Revenue model resiliency Client • Diverse asset size & profile with 900+ bank, 31% of JH 700+ credit union and 5,800 non-core clients Core • No single client > 1% revenue • Strong 99+% core client retention excl M&A +6.5% 3yr • Mission-critical solutions, diverse & durable 37% of JH CAGR Payments Bi
Slide 20: GAAP EPS: quality earnings delivering shareholder value
GAAP EPS: quality earnings delivering shareholder value 8.1% FY25 3-yr CAGR 2025 © 2025 Jack Henry & Associates, Inc.® 20
Slide 21: Responsible stewards of investor capital
Responsible stewards of investor capital FY25 22.1% Dividends Paid Share Buyback CapEx and M&A Debt Repayment FY25 return on $165M $35M $60M $150M invested capital Dividend raised for the 22nd consecutive calendar year FY25 Opportunistically buy back shares and manage dilution 90.0% Focused investme
Slide 22: Looking ahead to FY26 Key Performance Indicators
Looking ahead to FY26 FY26 Guidance Revenue Growth* 6.0%-7.0% 5 Operating Margin* Expansion / (Contraction), bps 30-50 bps Targeting Return on Invested Capital (ROIC) 20%+ Targeting Key Performance Free Cash Flow Conversion 85%-100% Indicators GAAP Earnings per Share $6.38-$6.49 2.2%-4.0% growth *No
Slide 23: Thank you for your support
Thank you for your support © 2025 Jack Henry & Associates, Inc.® 23