JKHYHIGH SIGNALFINANCIAL10-K

JKHY experienced explosive revenue growth of 299% to $1.5B alongside a dramatic 532% surge in interest expense and a 76% decline in cash position.

The massive revenue increase suggests either a major acquisition, significant organic growth acceleration, or accounting methodology change that requires immediate investigation. The concurrent explosion in interest expense indicates substantial new debt financing, while the sharp cash decline raises questions about capital allocation and liquidity management during this apparent expansion phase.

Comparing 2025-08-25 vs 2024-08-26View on EDGAR →
FINANCIAL ANALYSIS

JKHY's financials show extraordinary growth with revenue surging 299% to $1.5B and gross profit jumping 316% to $612M, indicating either transformational M&A activity or a fundamental business shift. However, interest expense exploded 532% to $15.1M and cash plummeted 76% to $51M, suggesting heavy debt financing and potential liquidity concerns. Despite the revenue explosion, net income grew only modestly at 19%, indicating either integration costs, one-time charges, or margin compression that investors should scrutinize carefully.

FINANCIAL STATEMENT CHANGES
Interest Expense
P&L
+532.3%
$2.4M$15.1M

Interest expense surged 532.3% — significant debt increase or rising rates materially impacting earnings.

Gross Profit
P&L
+316.3%
$147.0M$612.1M

Gross profit expanding — improving pricing power or product mix shift toward higher-margin offerings.

Revenue
P&L
+299.4%
$384.7M$1.5B

Strong top-line growth of 299.4% — accelerating demand or successful expansion into new markets.

Cash & Equivalents
Balance Sheet
-76.1%
$213.3M$51.0M

Cash declined 76.1% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Share Buybacks
Cash Flow
+24.9%
$28.1M$35.1M

Share repurchases increased 24.9% — management returning capital, signals confidence in intrinsic value.

Net Income
P&L
+19.4%
$381.8M$455.7M

Net income grew 19.4% — bottom-line growth signals improving overall business health.

Operating Income
P&L
+16.2%
$489.4M$568.7M

Operating income improving — cost discipline or growing revenue base absorbing fixed costs.

Stockholders Equity
Balance Sheet
+15.7%
$1.8B$2.1B

Equity base grew 15.7% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Total Liabilities
Balance Sheet
-15.6%
$1.1B$913.1M

Liabilities reduced 15.6% — deleveraging improves balance sheet strength and financial flexibility.

Current Liabilities
Balance Sheet
-15.5%
$633.8M$535.8M

Current liabilities reduced — improved short-term financial position and working capital health.

LANGUAGE CHANGES
NEW — 2025-08-25
PRIOR — 2024-08-26
ADDED
As of August 8, 2025, the Registrant had 72,871,385 shares of Common Stock outstanding ($0.01 par value).
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 25 ITEM 7A.
For nearly 50 years, we have provided technology solutions to help banks and credit unions innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders.
Since our founding in 1976, much has changed, but our commitment to supporting community and regional banks and credit unions remains unwavering.
Who We Serve We provide products and services primarily to community and regional banks and credit unions (see "Our Industry" below): Core bank integrated data processing systems are provided to over 950 banks.
+7 more — sign up free →
REMOVED
As of August 15, 2024, the Registrant had 72,908,319 shares of Common Stock outstanding ($0.01 par value).
MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS 24 ITEM 7A.
For more than 48 years, we have provided technology solutions to help banks and credit unions innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders.
Since our founding in 1976, much has changed, but our commitment to supporting community and regional financial institutions remains unwavering.
Who We Serve We provide products and services primarily to community and regional financial institutions (see "Our Industry" below): Core bank integrated data processing systems are provided to over 940 banks.
+7 more — sign up free →
MORE FINANCIAL SIGNALS
PNRGHIGHPNRG achieved exceptional profitability improvement with net income surging 2,21...
2026-04-16
BNAIHIGHBNAI underwent a dramatic reverse stock split that reduced share count by 86% wh...
2026-04-16
LAKEHIGHLAKE's financial performance deteriorated significantly with operating losses wo...
2026-04-16
NXXTHIGHNextNRG experienced massive financial deterioration with operating losses explod...
2026-04-16
ANALYZE ANY FILING FREE

See what changed in your portfolio's filings

500+ US-listed companies analyzed. Language delta, financial analysis, instant signal scoring.

Try Tracenotes free →