Subtext

Jack Henry & Associates, Inc. JKHY

SectorFinancials
Transcripts31
Date range2017-11-08 – 2025-05-07
Calls charted31

Sentiment timeline

Net Loughran-McDonald sentiment per call (×1000), earliest → latest.

-13-7+0+7+132018 Q12019 Q12020 Q12021 Q12022 Q12023 Q12024 Q12025 Q12018 Q1 · Overall: +4.82018 Q2 · Overall: +5.02018 Q3 · Overall: +6.02018 Q4 · Overall: +8.12019 Q1 · Overall: +0.92019 Q2 · Overall: +4.32019 Q3 · Overall: +2.22019 Q4 · Overall: +3.22020 Q1 · Overall: +5.32020 Q2 · Overall: +5.52020 Q3 · Overall: +2.02020 Q4 · Overall: +2.32021 Q1 · Overall: +5.92021 Q2 · Overall: +3.62021 Q3 · Overall: +5.02021 Q4 · Overall: +8.22022 Q1 · Overall: +8.72022 Q2 · Overall: +8.52022 Q3 · Overall: +7.52022 Q4 · Overall: +7.02023 Q1 · Overall: +4.32023 Q2 · Overall: +4.12023 Q3 · Overall: +1.62023 Q4 · Overall: +7.02024 Q1 · Overall: +9.92024 Q2 · Overall: +11.42024 Q3 · Overall: +10.42024 Q4 · Overall: +7.42025 Q1 · Overall: +7.02025 Q2 · Overall: +8.42025 Q3 · Overall: +1.3
Overall

CEO vs CFO

Average sentiment of each executive's remarks per call. Divergence is a signal.

-23-12+0+12+232018 Q12019 Q12020 Q12021 Q12022 Q12023 Q12024 Q12025 Q12018 Q1 · CEO: +9.92018 Q2 · CEO: +8.62018 Q3 · CEO: +17.92018 Q4 · CEO: +20.02019 Q1 · CEO: +5.12019 Q2 · CEO: +6.02019 Q3 · CEO: +7.42019 Q4 · CEO: +9.92020 Q1 · CEO: +9.42020 Q2 · CEO: +8.12020 Q3 · CEO: +2.72020 Q4 · CEO: +3.32021 Q1 · CEO: +12.82021 Q2 · CEO: +8.72021 Q3 · CEO: +7.92021 Q4 · CEO: +18.22022 Q1 · CEO: +7.42022 Q2 · CEO: +12.02022 Q3 · CEO: +10.62022 Q4 · CEO: +9.02023 Q1 · CEO: +6.32023 Q2 · CEO: +7.72023 Q3 · CEO: +3.02023 Q4 · CEO: +10.92024 Q1 · CEO: +15.32024 Q2 · CEO: +8.92024 Q3 · CEO: +6.82024 Q4 · CEO: +10.72025 Q1 · CEO: +7.82025 Q3 · CEO: +2.32018 Q1 · CFO: +3.02018 Q2 · CFO: +4.42018 Q3 · CFO: +0.42018 Q4 · CFO: +2.92019 Q1 · CFO: -1.42019 Q2 · CFO: +2.42019 Q3 · CFO: +0.52019 Q4 · CFO: +1.82020 Q1 · CFO: +2.22020 Q2 · CFO: +0.92020 Q3 · CFO: +3.92020 Q4 · CFO: +2.62021 Q1 · CFO: -0.42021 Q2 · CFO: +2.82021 Q3 · CFO: +3.22021 Q4 · CFO: +1.92022 Q1 · CFO: +1.32022 Q2 · CFO: +2.62022 Q3 · CFO: +6.42022 Q4 · CFO: +6.32023 Q1 · CFO: +9.02023 Q2 · CFO: +2.22023 Q3 · CFO: +5.22023 Q4 · CFO: +5.92024 Q1 · CFO: +19.62024 Q2 · CFO: +13.32024 Q3 · CFO: +13.22024 Q4 · CFO: +10.22025 Q1 · CFO: +9.52025 Q2 · CFO: +10.92025 Q3 · CFO: +5.5
CEOCFO

Prepared remarks vs Q&A

Scripted tone vs unscripted answers. The gap is information.

-24-12+0+12+242018 Q12019 Q12020 Q12021 Q12022 Q12023 Q12024 Q12025 Q12018 Q1 · Prepared remarks: +7.72018 Q2 · Prepared remarks: +5.32018 Q3 · Prepared remarks: +8.62018 Q4 · Prepared remarks: +10.52019 Q1 · Prepared remarks: +2.72019 Q2 · Prepared remarks: +5.62019 Q3 · Prepared remarks: +3.62019 Q4 · Prepared remarks: +6.92020 Q1 · Prepared remarks: +8.82020 Q2 · Prepared remarks: +9.72020 Q3 · Prepared remarks: +0.32020 Q4 · Prepared remarks: +7.82021 Q1 · Prepared remarks: +9.62021 Q2 · Prepared remarks: +9.22021 Q3 · Prepared remarks: +8.92021 Q4 · Prepared remarks: +15.12022 Q1 · Prepared remarks: +13.42022 Q2 · Prepared remarks: +12.82022 Q3 · Prepared remarks: +13.92022 Q4 · Prepared remarks: +14.32023 Q1 · Prepared remarks: +12.32023 Q2 · Prepared remarks: +8.12023 Q3 · Prepared remarks: +9.02023 Q4 · Prepared remarks: +13.02024 Q1 · Prepared remarks: +14.62024 Q2 · Prepared remarks: +21.12024 Q3 · Prepared remarks: +17.12024 Q4 · Prepared remarks: +17.52025 Q1 · Prepared remarks: +14.12025 Q2 · Prepared remarks: +13.62025 Q3 · Prepared remarks: +10.62018 Q1 · Q&A responses: +6.62018 Q2 · Q&A responses: +7.22018 Q3 · Q&A responses: +8.62018 Q4 · Q&A responses: +11.52019 Q1 · Q&A responses: -2.02019 Q2 · Q&A responses: +4.62019 Q3 · Q&A responses: +4.52019 Q4 · Q&A responses: +5.12020 Q1 · Q&A responses: +3.92020 Q2 · Q&A responses: +4.22020 Q3 · Q&A responses: +4.72020 Q4 · Q&A responses: -0.32021 Q1 · Q&A responses: +4.32021 Q2 · Q&A responses: +3.12021 Q3 · Q&A responses: +3.42021 Q4 · Q&A responses: +7.72022 Q1 · Q&A responses: +6.92022 Q2 · Q&A responses: +5.82022 Q3 · Q&A responses: +6.82022 Q4 · Q&A responses: +6.82023 Q1 · Q&A responses: +3.42023 Q2 · Q&A responses: +4.12023 Q3 · Q&A responses: +1.02023 Q4 · Q&A responses: +6.22024 Q1 · Q&A responses: +10.12024 Q2 · Q&A responses: +5.42024 Q3 · Q&A responses: +9.02024 Q4 · Q&A responses: +5.12025 Q1 · Q&A responses: +5.32025 Q2 · Q&A responses: +8.72025 Q3 · Q&A responses: -1.1
Prepared remarksQ&A responses

Tone vs forward expectations

Management tone next to Wall Street's forward-looking numbers (glopardo): the 12-month forward EPS estimate and the forward P/E per call.

Forward EPS estimate

$3.57$4.92$6.272018 Q12019 Q12020 Q12021 Q12022 Q12023 Q12024 Q12025 Q12018 Q1: $3.832018 Q2: $4.022018 Q3: $4.142018 Q4: $3.922019 Q1: $3.932019 Q2: $3.762019 Q3: $3.762019 Q4: $3.922020 Q1: $4.092020 Q2: $4.032020 Q3: $3.912020 Q4: $4.122021 Q1: $4.302021 Q2: $4.542021 Q3: $4.712021 Q4: $4.932022 Q1: $5.092022 Q2: $5.242022 Q3: $5.182022 Q4: $5.262023 Q1: $5.202023 Q2: $5.322023 Q3: $5.132023 Q4: $5.322024 Q1: $5.562024 Q2: $5.732024 Q3: $5.942024 Q4: $6.08

Forward P/E

26.6836.0545.412018 Q12019 Q12020 Q12021 Q12022 Q12023 Q12024 Q12025 Q12018 Q1: 32.602018 Q2: 32.242018 Q3: 38.532018 Q4: 32.452019 Q1: 34.532019 Q2: 36.752019 Q3: 39.262019 Q4: 37.242020 Q1: 38.812020 Q2: 44.122020 Q3: 39.792020 Q4: 38.632021 Q1: 35.022021 Q2: 36.262021 Q3: 36.062021 Q4: 32.442022 Q1: 36.332022 Q2: 34.212022 Q3: 37.302022 Q4: 34.302023 Q1: 27.972023 Q2: 30.242023 Q3: 29.532023 Q4: 31.612024 Q1: 31.002024 Q2: 28.312024 Q3: 29.322024 Q4: 29.03

Divergence watch ⚑

Quarters where tone and the forward EPS estimate moved opposite ways.

  • 2018 Q4 tone ↑ +2.1 fwd EPS ↓ -0.22 Tone rose while the forward EPS estimate was cut.
  • 2019 Q2 tone ↑ +3.4 fwd EPS ↓ -0.17 Tone rose while the forward EPS estimate was cut.
  • 2021 Q2 tone ↓ -2.3 fwd EPS ↑ +0.24 Tone cooled even as the forward EPS estimate rose.
  • 2024 Q4 tone ↓ -3.0 fwd EPS ↑ +0.14 Tone cooled even as the forward EPS estimate rose.

Recent transcripts

CallDateSentiment ×1000Fwd EPSFwd P/E
2025 Q32025-05-07+1.3——View →
2025 Q22025-02-05+8.4——View →
2025 Q12024-11-06+7.0——View →
2024 Q42024-08-21+7.4$6.0829.0View →
2024 Q32024-05-08+10.4$5.9429.3View →
2024 Q22024-02-07+11.4$5.7328.3View →
2024 Q12023-11-08+9.9$5.5631.0View →
2023 Q42023-08-16+7.0$5.3231.6View →