Jack Henry & Associates (JKHY): what its 10-K says it depends on

Customers

U.S. community and regional banks

earns from · over 900 banksnamed as a risk

Our primary market consists of approximately 4,300 commercial and savings banks and approximately 4,400 credit unions.Risk factors (Item 1A)

U.S. credit unions

earns from · over 700 credit unionsnamed as a risk

Core credit union data processing solutions are provided to credit unions of all sizes, with a client base of over 700 credit unions.Business (Item 1)

Suppliers

Public cloud infrastructure providers

depends onnamed as a risk

We rely on a limited number of third-party service providers that provide significant portions of our hosting and technology infrastructure.Risk factors (Item 1A)

IBM Corporation

depends on

We have established remarketing agreements with IBM Corporation, and many other hardware providers that allow Jack Henry to purchase hardware and related maintenance services at a discount and resell them directly to our clients.Business (Item 1)

Also named by CLS

Partners and platforms

Mastercard

subject tonamed as a risk

We are subject to card association and network compliance rules governing the payment networks we serve, including Visa, MasterCard, Zelle, FedNow, and The Clearing House’s RTP network, and all rules governing the Payment Card Industry Data Security Standards.Risk factors (Item 1A)

Also named by AXP, CASH, COF, CPAY, DDS, EEFT, FIS, FISV and 7 more

Visa

subject tonamed as a risk

We are subject to card association and network compliance rules governing the payment networks we serve, including Visa, MasterCard, Zelle, FedNow, and The Clearing House’s RTP network, and all rules governing the Payment Card Industry Data Security Standards.Risk factors (Item 1A)

Also named by AFRM, AXP, CASH, COF, EEFT, FIS, FISV, GPN and 6 more

Zelle

depends onnamed as a risk

JHA PayCenterTM provides banks and credit unions with a single entry point to both Zelle® and Real Time Payments ("RTP") networks, and the Federal Reserve's FedNow® network.Business (Item 1)

Also named by BAC, FISV, FITB, HBAN, V

FedNow

depends onnamed as a risk

JHA PayCenterTM provides banks and credit unions with a single entry point to both Zelle® and Real Time Payments ("RTP") networks, and the Federal Reserve's FedNow® network.Business (Item 1)

Also named by MA, V

The Clearing House RTP network

subject tonamed as a risk

We are subject to card association and network compliance rules governing the payment networks we serve, including Visa, MasterCard, Zelle, FedNow, and The Clearing House’s RTP network, and all rules governing the Payment Card Industry Data Security Standards.Risk factors (Item 1A)

Other companies

Bank and credit union consolidation

earns from · declined 13% from the end of calendar year 2020 to the end of calendar year 2025named as a risk

Consolidation and failures of financial institutions will continue to reduce the number of our clients and potential clients.Risk factors (Item 1A)

Variable-rate credit facility debt

exposed to its price · $40,000 outstanding debt with variable interest ratesnamed as a risk

We had $40,000 outstanding debt with variable interest rates as of June 30, 2026, and a 1% increase in our borrowing rate would increase our annual interest expense by $400.Market risk (Item 7A)

Victor Technologies, Inc.

2026 Victor Technologies, Inc. ("Victor") Provider of cloud-native, API-first direct-to-core embedded payments solutions.Business (Item 1)

Competitors

Fidelity National Information Services, Inc. (FIS)

competes with

Our core solutions compete with large vendors that provide information and transaction processing solutions to banks and credit unions, including Fidelity National Information Services, Inc.; Fiserv, Inc.; Corelation, Inc.; and Finastra.Business (Item 1)

Also named by GPN, HRB

Fiserv, Inc.

competes with

Our core solutions compete with large vendors that provide information and transaction processing solutions to banks and credit unions, including Fidelity National Information Services, Inc.; Fiserv, Inc.; Corelation, Inc.; and Finastra.Business (Item 1)

Also named by GPN

Corelation, Inc.

competes with

Our core solutions compete with large vendors that provide information and transaction processing solutions to banks and credit unions, including Fidelity National Information Services, Inc.; Fiserv, Inc.; Corelation, Inc.; and Finastra.Business (Item 1)

Finastra

competes with

Our core solutions compete with large vendors that provide information and transaction processing solutions to banks and credit unions, including Fidelity National Information Services, Inc.; Fiserv, Inc.; Corelation, Inc.; and Finastra.Business (Item 1)

Hazards

Tornadoes, flooding, hurricanes and heat waves

operates innamed as a risk

Our facilities are also subject to physical risks related to natural disasters or severe weather events, such as tornados, flooding, hurricanes, and heat waves.Risk factors (Item 1A)

Regulators

Consumer Financial Protection Bureau (CFPB)

subject tonamed as a risk

Jack Henry is also subject to periodic examinations by the Consumer Financial Protection Bureau (“CFPB”), which provides supervision and enforcement related to federal consumer financial laws applicable to some products and services offered by our clients.Business (Item 1)

Also named by ABNB, AFRM, ALLY, AN, AUB, AXP, BAC, CASH and 61 more

Federal Trade Commission (FTC)

subject tonamed as a risk

Further, the Federal Trade Commission (“FTC") and state attorneys general may interpret federal and state consumer protection laws as imposing standards for the collection, use, dissemination, and security of data.Risk factors (Item 1A)

Also named by AMZN, AN, AVGO, BJ, CART, CELH, CHD, CHE and 56 more

Federal Deposit Insurance Corporation (FDIC)

subject tonamed as a risk

As a supplier of software and services to financial institutions, portions of our operations are subject to ongoing supervision and examination by the Office of the Comptroller of the Currency, the Federal Reserve Board, the Federal Deposit Insurance Corporation, and the Consumer Financial Protection Bureau.Risk factors (Item 1A)

Also named by AFRM, BAC, BNY, CASH, CFG, CFR, COF, FCFS and 27 more

Office of the Comptroller of the Currency (OCC)

subject tonamed as a risk

As a supplier of software and services to financial institutions, portions of our operations are subject to ongoing supervision and examination by the Office of the Comptroller of the Currency, the Federal Reserve Board, the Federal Deposit Insurance Corporation, and the Consumer Financial Protection Bureau.Risk factors (Item 1A)

Also named by ADP, AMP, AXP, BAC, BLK, C, CASH, CFG and 22 more

Federal Reserve Board

subject tonamed as a risk

As a supplier of software and services to financial institutions, portions of our operations are subject to ongoing supervision and examination by the Office of the Comptroller of the Currency, the Federal Reserve Board, the Federal Deposit Insurance Corporation, and the Consumer Financial Protection Bureau.Risk factors (Item 1A)

Also named by ALLY, AMP, BPOP, C, CFG, CFR, CME, COMP and 9 more

National Credit Union Administration (NCUA)

subject tonamed as a risk

Credit Unions are subject to supervision by the National Credit Union Administration.Risk factors (Item 1A)

Laws and programs

GENIUS Act

subject tonamed as a risk

Recent developments, including the GENIUS Act, and other legislative initiatives, bring increased oversight and more robust compliance obligations including consumer protection, anti-money laundering, sanctions compliance, operational resilience and recordkeeping requirements.Risk factors (Item 1A)

Also named by AUB, C, CFR, COF, COIN, CUBI, EWBC, FCNCA and 15 more

Payment Card Industry Data Security Standards

subject tonamed as a risk

Lack of compliance with these rules and standards, may have a severe impact on our ability to do business, including fines and penalties, loss of revenue, negative reputational impact, increased costs of operations, and disruption of services, including the inability to provide card processing services to our clients.Risk factors (Item 1A)

Also named by BBY, CAVA, DG, DLTR, FND, HD, KR, LUV and 2 more

Bank Service Company Act

subject to

Our private cloud services are subject to examination by FBA regulators under the Bank Service Company Act.Business (Item 1)

Also named by FISV