Achieved record Q3 results with non-GAAP revenue of $616M, up 7.3% year-over-year, and a non-GAAP operating margin of 22.9%.
GAAP revenue up 8.7% and operating income up 11.8% year-over-year for Q3; GAAP EPS up 12.2% to $1.71.
Secured 17 competitive core wins in Q3, including five institutions with over $1B in assets, marking the strongest Q3 for new core wins in seven years.
Year-to-date, 43 core deals won (11 over $1B), up from 28 (8 over $1B) last year, with confidence in exceeding last year’s 51 core wins.
Continued innovation in AI, stablecoin, and SMB solutions, with rapid adoption and positive client feedback for Tap2Local and Rapid Transfers.
Q3 GAAP revenue: $636.2M (+8.7% YoY); non-GAAP revenue $616M (+7.3% YoY); operating income: $155.0M (+11.8% YoY); net income: $122.9M (+10.6% YoY).
Year-to-date GAAP revenue: $1.90B (+8.0% YoY); operating income: $498.3M (+20.6% YoY); net income: $391.5M (+19.3% YoY).
Deconversion revenue was $19M, up $9M, reflecting steady M&A activity.
Cloud revenue grew 9% and now represents 33% of total revenue; processing revenue (43% of total) grew 7% GAAP and 6% non-GAAP.
Total recurring revenue was 91% for the quarter; GAAP EPS was $1.71 (up 12%), YTD GAAP EPS $5.41 (up 20%).
Increased full-year GAAP revenue growth guidance to 6.1%-6.6%; non-GAAP annual revenue growth guidance tightened to 6.6%-7.1%.
Fiscal 2026 GAAP revenue guidance: $2,521M–$2,533M; GAAP EPS: $6.78–$6.87.
Non-GAAP adjusted revenue guidance: $2,479M–$2,491M; adjusted operating margin: 23.9%–24.1%.
Q4 expected to see lower non-GAAP revenue growth and margin contraction due to digital revenue slowdown, card revenue pressure, and higher expenses.
Free cash flow conversion outlook for FY26 is 95%-105%, with a bias toward the upper end.
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Search for any keyword across all transcripts simultaneously.
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
The easiest way to stay updated during earnings season.
All events from public companies. Live and recorded.
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
Explore our global coverage