Overview Dividends

(JKHY) Jack Henry & Associates - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4262811015

Core Processing, Payment Tools, Digital/Mobile Banking, ATM/Card Processing, Risk Management

JKHY EPS (Earnings per Share)

EPS Growth (3Y CAGR): 21.08%
EPS Trend (3Y Correlation): 84.4%

JKHY Revenue

Revenue Growth (3Y CAGR): 9.26%
Revenue Trend (3Y Correlation): 91.6%

Risk via 10d forecast
Volatility	21.3%
Value at Risk 5%th	34.5%

Reward
Sharpe Ratio	-0.38
Alpha	-20.14

Character
Hurst Exponent	0.531
Beta	0.779

Drawdowns 3y
Max DD	27.19%
Mean DD	11.65%

Description: JKHY Jack Henry & Associates October 30, 2025

Jack Henry & Associates (JKHY) is a U.S.-based fintech firm that supplies core banking platforms, payment-processing infrastructure, and complementary digital services to banks, credit unions, and other financial institutions. Its operations are organized into four segments: Core (core processing systems such as SilverLake, Symitar, CIF 20/20, and Core Director), Payments (ATM, ACH, remote deposit capture, card processing, and online/mobile bill-pay), Complementary (digital/mobile banking, treasury, online account opening, AML/fraud tools, and lending solutions via the Banno platform), and Corporate & Other (hardware, data-center services, and professional implementation support).

In FY 2023 the company generated approximately $1.33 billion in revenue, with a recurring-revenue mix exceeding 80% and an operating margin around 20%, indicating a stable cash-flow profile. Growth has been driven by rising demand for cloud-based core banking solutions as banks accelerate digital transformation, and by macro-economic tailwinds such as higher interest-rate environments that increase loan-origination activity-both of which tend to boost usage of JKHY’s processing and risk-management tools. The broader transaction-processing sector is also benefiting from sustained consumer shift to electronic payments, a trend that historically supports double-digit revenue growth for established providers.

For a deeper quantitative assessment, consult the ValueRay platform’s detailed valuation metrics and scenario analyses.

JKHY Stock Overview

Market Cap in USD	11,769m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	1985-11-20
Return 12m vs S&P 500	-17.9%
Analyst Rating	3.32 of 5

JKHY Dividends

Dividend Yield	1.38%
Yield on Cost 5y	1.51%
Yield CAGR 5y	6.35%
Payout Consistency	98.3%
Payout Ratio	35.7%

JKHY Growth Ratios

CAGR	-1.68%
CAGR/Max DD Calmar Ratio	-0.06
CAGR/Mean DD Pain Ratio	-0.14
Current Volume	759.5k
Average Volume	1044.6k

Piotroski VR‑10 (Strict, 0-10) 8.0

Net Income (480.5m TTM) > 0 and > 6% of Revenue (6% = 145.1m TTM)

FCFTA 0.20 (>2.0%) and ΔFCFTA 10.45pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 6.52% (prev 2.84%; Δ 3.67pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.22 (>3.0%) and CFO 645.2m > Net Income 480.5m (YES >=105%, WARN >=100%)

Net Debt (130.1m) to EBITDA (834.2m) ratio: 0.16 <= 3.0 (WARN <= 3.5)

Current Ratio 1.36 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (72.9m) change vs 12m ago -0.23% (target <= -2.0% for YES)

Gross Margin 43.54% (prev 41.21%; Δ 2.33pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 82.55% (prev 76.67%; Δ 5.89pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 73.90 (EBITDA TTM 834.2m / Interest Expense TTM 8.50m) >= 6 (WARN >= 3)

Altman Z'' 9.30

(A) 0.05 = (Total Current Assets 593.2m - Total Current Liabilities 435.6m) / Total Assets 2.93b

(B) 1.12 = Retained Earnings (Balance) 3.29b / Total Assets 2.93b

warn (B) unusual magnitude: 1.12 — check mapping/units

(D) 3.67 = Book Value of Equity 3.29b / Total Liabilities 895.6m

Total Rating: 9.30 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 92.19

1. Piotroski 8.0pt = 3.0

2. FCF Yield 5.01% = 2.50

3. FCF Margin 24.63% = 6.16

4. Debt/Equity 0.08 = 2.50

5. Debt/Ebitda 0.16 = 2.48

6. ROIC - WACC (= 13.29)% = 12.50

7. RoE 23.50% = 1.96

8. Rev. Trend 91.59% = 6.87

9. EPS Trend 84.44% = 4.22

What is the price of JKHY shares?

As of November 12, 2025, the stock is trading at USD 165.73 with a total of 759,466 shares traded.
Over the past week, the price has changed by +8.73%, over one month by +8.90%, over three months by +4.92% and over the past year by -5.16%.

Is Jack Henry & Associates a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Jack Henry & Associates (NASDAQ:JKHY) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 92.19 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of JKHY is around 149.16 USD . This means that JKHY is currently overvalued and has a potential downside of -10%.

Is JKHY a buy, sell or hold?

Jack Henry & Associates has received a consensus analysts rating of 3.32. Therefor, it is recommend to hold JKHY.

Strong Buy: 4
Buy: 0
Hold: 14
Sell: 0
Strong Sell: 1

What are the forecasts/targets for the JKHY price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	179.2	8.1%
Analysts Target Price	179.2	8.1%
ValueRay Target Price	166.7	0.6%

JKHY Fundamental Data Overview November 12, 2025

Market Cap USD = 11.77b (11.77b USD * 1.0 USD.USD)
P/E Trailing = 24.6753
P/E Forward = 25.974
P/S = 4.8652
P/B = 5.4153
P/EG = 2.6642
Beta = 0.749
Revenue TTM = 2.42b USD
EBIT TTM = 628.1m USD
EBITDA TTM = 834.2m USD
Long Term Debt = 80.0m USD (estimated: total debt 170.0m - short term 90.0m)
Short Term Debt = 90.0m USD (from shortTermDebt, last quarter)
Debt = 170.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 130.1m USD (from netDebt column, last quarter)
Enterprise Value = 11.90b USD (11.77b + Debt 170.0m - CCE 39.9m)
Interest Coverage Ratio = 73.90 (Ebit TTM 628.1m / Interest Expense TTM 8.50m)
FCF Yield = 5.01% (FCF TTM 595.8m / Enterprise Value 11.90b)
FCF Margin = 24.63% (FCF TTM 595.8m / Revenue TTM 2.42b)
Net Margin = 19.86% (Net Income TTM 480.5m / Revenue TTM 2.42b)
Gross Margin = 43.54% ((Revenue TTM 2.42b - Cost of Revenue TTM 1.37b) / Revenue TTM)
Gross Margin QoQ = 45.94% (prev 44.12%)
Tobins Q-Ratio = 4.06 (Enterprise Value 11.90b / Total Assets 2.93b)
Interest Expense / Debt = 0.52% (Interest Expense 886.0k / Debt 170.0m)
Taxrate = 24.34% (46.3m / 190.3m)
NOPAT = 475.2m (EBIT 628.1m * (1 - 24.34%))
Current Ratio = 1.36 (Total Current Assets 593.2m / Total Current Liabilities 435.6m)
Debt / Equity = 0.08 (Debt 170.0m / totalStockholderEquity, last quarter 2.04b)
Debt / EBITDA = 0.16 (Net Debt 130.1m / EBITDA 834.2m)
Debt / FCF = 0.22 (Net Debt 130.1m / FCF TTM 595.8m)
Total Stockholder Equity = 2.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 16.39% (Net Income 480.5m / Total Assets 2.93b)
RoE = 23.50% (Net Income TTM 480.5m / Total Stockholder Equity 2.04b)
RoCE = 29.56% (EBIT 628.1m / Capital Employed (Equity 2.04b + L.T.Debt 80.0m))
RoIC = 22.06% (NOPAT 475.2m / Invested Capital 2.15b)
WACC = 8.77% (E(11.77b)/V(11.94b) * Re(8.89%) + D(170.0m)/V(11.94b) * Rd(0.52%) * (1-Tc(0.24)))
Discount Rate = 8.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.05%
[DCF Debug] Terminal Value 77.34% ; FCFE base≈473.1m ; Y1≈543.3m ; Y5≈760.3m
Fair Price DCF = 155.2 (DCF Value 11.23b / Shares Outstanding 72.4m; 5y FCF grow 17.38% → 3.0% )
EPS Correlation: 84.44 | EPS CAGR: 21.08% | SUE: 2.45 | # QB: 3
Revenue Correlation: 91.59 | Revenue CAGR: 9.26% | SUE: 1.70 | # QB: 2

Additional Sources for JKHY Stock

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