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Core Points - Jack Henry & Associates, Inc. will host a live webcast for its second quarter 2025 earnings conference call on February 5, 2025 [1] - The press release for the second quarter 2025 earnings will be issued after market close on February 4, 2025 [1] - The company will also release quarterly deconversion revenue results on January 27, 2025, prior to the full earnings results [3] Company Overview - Jack Henry & Associates, Inc. is a financial technology company that connects financial institutions with their clients [4] - The company is part of the S&P 500 and emphasizes openness, collaboration, and user-centric solutions [4] - Jack Henry has been providing technology solutions for over 48 years, serving approximately 7,500 clients [4]

Core Points - Del Taco is enhancing its menu with the introduction of two new burritos and value bundles aimed at providing guests with more flavor and savings [3][4][5] - The new offerings include the Chipotle Grilled Chicken Burrito and the Bean, Rice & Cheese Burrito, both made with fresh ingredients [4][5] - Del Taco is also reintroducing its Dragon Fruit Blueberry Poppers beverages in new flavor combinations [5][9] Menu Enhancements - The Chipotle Grilled Chicken Burrito features freshly grilled marinated chicken, chipotle sauce, and sour cream, wrapped in a grilled tortilla [4] - The Bean, Rice & Cheese Burrito includes slow-cooked beans, cilantro lime rice, and house-grated cheddar cheese, all wrapped in a warm flour tortilla [3][4] - Both burritos are part of Del Taco's Real Deal menu, which offers popular items at competitive prices [3][5] Value Bundles - Del Taco is launching three new bundle options: - Del's BIG Bundle for $10, serving 1-2 people [5] - Del's BIGGER Bundle for $15, serving 2-3 people [6] - Del's MEGA Bundle for $20, serving 3-5 people [7] - Each bundle includes a combination of new burritos, tacos, quesadillas, and chips with guacamole, designed for individuals and small groups [5][6][7] Beverage Offerings - The new Dragon Fruit Blueberry Poppers beverages include: - Dragon Fruit Blueberry Sprite Poppers [8] - Dragon Fruit Blueberry Lemonade Poppers [9] - Dragon Fruit Blueberry Shake Poppers [9] - These beverages feature blueberry-flavored popping boba pearls and real dragon fruit pieces, available for a limited time [8][9] Company Overview - Del Taco has been recognized as the Best Fast Food Restaurant in USA Today's 2024 10 Best Reader's Choice Awards [10] - The company operates nearly 600 restaurants across 17 states, serving over three million guests weekly [11] - Del Taco emphasizes fresh preparation of menu items, using quality ingredients like grilled chicken and house-made guacamole [10][11]

Core Insights - Jack in the Box reported mixed fourth-quarter fiscal 2024 results, with earnings per share (EPS) of $1.16 exceeding estimates but revenues of $349.3 million falling short of expectations [1][9][10] Financial Performance - Operating EPS for the quarter was $1.16, up 5.5% from $1.10 in the prior-year quarter [1] - Quarterly revenues of $349.3 million missed the consensus mark of $358 million, representing a year-over-year decline of 6.2% [10] - Franchise rental revenues increased by 1.5% year over year to $87.3 million, while franchise royalties and other revenues decreased by 1.3% to $54.5 million [4] - Company-owned same-store sales declined by 2.2% year over year, contrasting with a growth of 4.4% in the prior-year quarter [5] - Systemwide same-store sales fell by 2.1% year over year, down from 3.9% growth reported in the year-ago quarter [6] Margins and Costs - The total restaurant-level adjusted margin was 15.1%, down from 18% in the prior-year quarter, attributed to reduced transactions and rising costs from inflation [20] - The total franchise level margin was 38.9%, slightly down from 39.2% in the prior-year quarter [21] - Food and packaging costs as a percentage of company restaurant sales decreased by 80 basis points to 28.4% [20] Balance Sheet and Cash Flow - As of September 29, 2024, cash totaled $54.2 million, down from $185.9 million as of October 1, 2023, while long-term debt was $1.69 billion [14] - The company repurchased 0.3 million shares in the fiscal fourth quarter and announced $180 million available under its share repurchase program [22] Future Outlook - For fiscal 2025, the company anticipates adjusted EBITDA in the range of $288-$303 million and expects operating EPS to be between $5.05 and $5.45 [23][24] - Same-store sales for Jack in the Box are expected to be flat to up 1%, while the Del Taco segment is projected to be flat to down 1% [15]

Group 1: Expansion Plans - Jack in the Box Inc. is expanding its franchise locations in West Michigan, with a new agreement to open five stores in the Detroit market [1] - The company has already initiated plans for five additional locations in West Michigan, currently under construction, expected to open over the next five years [2] - Recent openings include two Cloud Kitchens in downtown Chicago, with plans for further expansion in the Chicagoland area, including eight company-operated units and 12 new franchise commitments [3][4] Group 2: Development Efforts - Jack in the Box is focusing on collaboration with franchisees and leveraging guest insights to maintain competitive advantages, which will help lower general and administrative expenses and boost earnings [5] - In fiscal 2024, the company opened 30 new restaurants, with 16 openings in the fourth quarter, and has signed 101 agreements for a total of 464 restaurants since 2021 [6] Group 3: Market Performance - Jack in the Box stock has declined by 10.4% over the past three months, contrasting with a 5.5% growth in the Zacks Retail - Restaurants industry, attributed to softer sales performance and a decrease in transactions [8] - Despite current challenges, ongoing unit development, a focus on delivery channels, and menu innovation are expected to drive future growth [8]

Financial Data and Key Metrics Changes - In Q4 2024, Jack in the Box reported a system same-store sales decline of 2.1%, with franchise comps down 2% and company-owned comps down 2.2%, despite a 4.8% increase in price [33][36] - Consolidated adjusted EBITDA decreased to $65.5 million from $68.4 million year-over-year, primarily due to Del Taco refranchising impacts and decreased sales [41] - GAAP diluted earnings per share increased to $1.12 from $1.08 in the prior year [42] Business Line Data and Key Metrics Changes - Jack in the Box opened 16 restaurants in Q4, totaling 30 openings for the year, the highest in over a decade, with 25 closures resulting in positive net restaurant growth [34][20] - Del Taco experienced a system same-store sales decline of 3.9%, with company-owned comps down 3% and franchise comps down 4.2%, despite an 8.2% price increase [37] - Del Taco's restaurant level margin decreased to 9.3% from 14.8% in the prior year, driven by transaction declines and inflationary increases in wages [38] Market Data and Key Metrics Changes - Jack in the Box's digital sales reached over 14%, with first-party sales up 83% year-over-year in Q4 [14][33] - The company reported strong performance in new markets, with Salt Lake City restaurants averaging over 90,000 in weekly AUVs [20] - Franchise level margin for Jack in the Box was $70.9 million or 40.4% of franchise revenues, compared to $71.1 million or 39.9% a year ago [36] Company Strategy and Development Direction - The company is focused on a transformation strategy to enhance digital capabilities, with a goal of becoming a 20% digital business by 2027 [11] - Jack in the Box plans to continue expanding its restaurant footprint, with 101 development agreements for 464 restaurant commitments, including new markets like Chicago and Florida [18][19] - The company is committed to a multi-year reimage program, investing $50 million to support over 1,100 remodel requests [22] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the start of fiscal 2025, with a focus on digital, value, and innovation to drive sales momentum [17] - The company anticipates facing near-term gross margin pressures due to California's new minimum wage law and commodity inflation [51] - Management highlighted the importance of driving top-line growth to improve margins, particularly in the context of ongoing inflationary pressures [62] Other Important Information - The company declared a cash dividend of $0.44 per share, to be paid on December 30, and repurchased approximately 300,000 shares for $15 million in Q4 [45] - Capital expenditures for the full year were $115.5 million, focusing on technology and digital initiatives [44] Q&A Session Summary Question: What is driving the acceleration in quarter-to-date sales? - Management noted that alignment of innovation and value has led to a meaningful improvement in same-store sales growth, with digital initiatives playing a significant role [58] Question: What is the outlook for Del Taco's restaurant level margin? - Management indicated that improvements in financial fundamentals are underway, but challenges remain due to AB1228 and inflation, impacting labor costs [62] Question: How has California's demand backdrop affected performance? - Management stated that California has performed relatively well, with franchisee performance holding steady despite broader industry challenges [68][71] Question: What is the current health of the bottom quintile of stores? - Management reported that closures were accelerated to maintain system health, with franchisee financials remaining flat year-over-year [76] Question: Can you break down the capital expenditures for next year? - Management outlined that capital expenditures will focus on new restaurant openings, digital investments, and maintenance, with a significant portion allocated to technology upgrades [80][83] Question: How is franchisee profitability characterized today? - Management indicated that franchisees are currently running flat year-over-year on profitability, with top-line growth being crucial for margin recovery [105]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED SEPTEMBER 29, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM ________ TO ________. COMMISSION FILE NUMBER 1-9390 JACK IN THE BOX INC. (Exact name of registrant as specified in its charter) Delaware 95-2698708 (State of Incorporation) (I. ...

For the quarter ended September 2024, Jack In The Box (JACK) reported revenue of $349.29 million, down 6.2% over the same period last year. EPS came in at $1.16, compared to $1.09 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $357.62 million, representing a surprise of -2.33%. The company delivered an EPS surprise of +4.50%, with the consensus EPS estimate being $1.11.While investors scrutinize revenue and earnings changes year-over-year and how they compare with W ...

Jack In The Box (JACK) came out with quarterly earnings of $1.16 per share, beating the Zacks Consensus Estimate of $1.11 per share. This compares to earnings of $1.09 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 4.50%. A quarter ago, it was expected that this burger chain would post earnings of $1.50 per share when it actually produced earnings of $1.65, delivering a surprise of 10%.Over the last four quarters, the company ...

Exhibit 99.1 Contact: Chris Brandon Vice President, Investor Relations chris.brandon@jackinthebox.com 619.902.0269 Jack in the Box Inc. Reports Fourth Quarter and Full-Year 2024 Earnings Jack in the Box same-store sales of (2.1%) in Q4 2024, (1.3%) for FY 2024 Del Taco same-store sales of (3.9%) in Q4 2024, (1.5%) for FY 2024 Jack in the Box and Del Taco opened 44 restaurants in FY 2024, including net positive unit growth and a growing development pipeline for both brands Jack in the Box opened 30 restauran ...