(JKHY) Jack Henry & Associates - Ratings and Ratios
Core Banking, Payment Processing, Digital Banking, Fraud Detection, ATM
JKHY EPS (Earnings per Share)
JKHY Revenue
Description: JKHY Jack Henry & Associates
Jack Henry & Associates, Inc. (NASDAQ:JKHY) is a financial technology company that provides technology solutions and payment processing services to financial institutions, aiming to reduce barriers to financial health. The company operates through four segments: Core, Payments, Complementary, and Corporate and Other, offering a range of services including core information processing platforms, secure payment processing tools, and digital banking solutions.
From a business perspective, Jack Henrys core banking and credit union platforms, such as SilverLake and Symitar, are key drivers of revenue. The companys focus on digital transformation and payment processing is likely to continue driving growth, given the increasing demand for online and mobile banking services. Key performance indicators (KPIs) to watch include revenue growth, customer acquisition rates, and the percentage of revenue derived from digital services.
In terms of financial health, Jack Henrys return on equity (RoE) of 22.07% indicates a strong ability to generate profits from shareholder equity. The companys price-to-earnings (P/E) ratio of 30.19 suggests that the stock may be slightly overvalued, but the forward P/E of 27.86 indicates potential for future earnings growth. Other important KPIs include the companys debt-to-equity ratio, operating margins, and cash flow generation.
To further evaluate Jack Henrys investment potential, it would be useful to analyze its customer retention rates, the competitive landscape of the financial technology industry, and the companys ability to innovate and expand its product offerings. Additionally, monitoring the companys guidance and earnings releases can provide insight into its financial performance and future prospects.
JKHY Stock Overview
| Market Cap in USD | 11,897m |
| Sub-Industry | Transaction & Payment Processing Services |
| IPO / Inception | 1985-11-20 |
JKHY Stock Ratings
| Growth Rating | -13.5% |
| Fundamental | 85.3% |
| Dividend Rating | 56.3% |
| Return 12m vs S&P 500 | -23.7% |
| Analyst Rating | 3.32 of 5 |
JKHY Dividends
| Dividend Yield 12m | 1.38% |
| Yield on Cost 5y | 1.51% |
| Annual Growth 5y | 5.05% |
| Payout Consistency | 98.6% |
| Payout Ratio | 37.1% |
JKHY Growth Ratios
| Growth Correlation 3m | -86.2% |
| Growth Correlation 12m | -22% |
| Growth Correlation 5y | 42.2% |
| CAGR 5y | -5.24% |
| CAGR/Max DD 3y | -0.17 |
| CAGR/Mean DD 3y | -0.38 |
| Sharpe Ratio 12m | 0.21 |
| Alpha | -22.70 |
| Beta | 0.652 |
| Volatility | 22.37% |
| Current Volume | 797.1k |
| Average Volume 20d | 744k |
| Stop Loss | 153.6 (-3%) |
| Signal | -0.41 |
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income (455.7m TTM) > 0 and > 6% of Revenue (6% = 141.3m TTM) |
| FCFTA 0.15 (>2.0%) and ΔFCFTA 3.44pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 6.19% (prev -0.08%; Δ 6.27pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.21 (>3.0%) and CFO 641.5m > Net Income 455.7m (YES >=105%, WARN >=100%) |
| Net Debt (-102.0m) to EBITDA (801.2m) ratio: -0.13 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.27 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (73.0m) change vs 12m ago -0.09% (target <= -2.0% for YES) |
| Gross Margin 42.22% (prev 41.35%; Δ 0.87pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 78.91% (prev 75.76%; Δ 3.15pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 57.14 (EBITDA TTM 801.2m / Interest Expense TTM 10.4m) >= 6 (WARN >= 3) |
Altman Z'' 9.15
| (A) 0.05 = (Total Current Assets 681.5m - Total Current Liabilities 535.8m) / Total Assets 3.04b |
| (B) 1.11 = Retained Earnings (Balance) 3.37b / Total Assets 3.04b |
| warn (B) unusual magnitude: 1.11 — check mapping/units |
| (C) 0.20 = EBIT TTM 596.5m / Avg Total Assets 2.98b |
| (D) 3.69 = Book Value of Equity 3.37b / Total Liabilities 913.1m |
| Total Rating: 9.15 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 85.29
| 1. Piotroski 8.0pt = 3.0 |
| 2. FCF Yield 3.61% = 1.81 |
| 3. FCF Margin 19.28% = 4.82 |
| 4. Debt/Equity 0.36 = 2.43 |
| 5. Debt/Ebitda 0.97 = 1.81 |
| 6. ROIC - WACC 13.84% = 12.50 |
| 7. RoE 22.60% = 1.88 |
| 8. Rev. Trend 85.99% = 4.30 |
| 9. Rev. CAGR 4.35% = 0.54 |
| 10. EPS Trend 60.42% = 1.51 |
| 11. EPS CAGR 6.81% = 0.68 |
What is the price of JKHY shares?
Over the past week, the price has changed by -2.52%, over one month by -0.87%, over three months by -11.98% and over the past year by -9.34%.
Is Jack Henry & Associates a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of JKHY is around 131.67 USD . This means that JKHY is currently overvalued and has a potential downside of -16.89%.
Is JKHY a buy, sell or hold?
- 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 | 185.1 | 16.8% |
| Analysts Target Price | 185.1 | 16.8% |
| ValueRay Target Price | 146 | -7.8% |
Last update: 2025-09-02 02:47
JKHY Fundamental Data Overview
CCE Cash And Equivalents = 102.0m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 26.1635
P/E Forward = 25.4453
P/S = 5.0086
P/B = 5.5833
P/EG = 2.4728
Beta = 0.739
Revenue TTM = 2.35b USD
EBIT TTM = 596.5m USD
EBITDA TTM = 801.2m USD
Long Term Debt = 240.0m USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 535.8m USD (from totalCurrentLiabilities, last quarter)
Debt = 775.8m USD (Calculated: Short Term 535.8m + Long Term 240.0m)
Net Debt = -102.0m USD (from netDebt column, last quarter)
Enterprise Value = 12.57b USD (11.90b + Debt 775.8m - CCE 102.0m)
Interest Coverage Ratio = 57.14 (Ebit TTM 596.5m / Interest Expense TTM 10.4m)
FCF Yield = 3.61% (FCF TTM 454.0m / Enterprise Value 12.57b)
FCF Margin = 19.28% (FCF TTM 454.0m / Revenue TTM 2.35b)
Net Margin = 19.35% (Net Income TTM 455.7m / Revenue TTM 2.35b)
Gross Margin = 42.22% ((Revenue TTM 2.35b - Cost of Revenue TTM 1.36b) / Revenue TTM)
Tobins Q-Ratio = 3.73 (Enterprise Value 12.57b / Book Value Of Equity 3.37b)
Interest Expense / Debt = 0.27% (Interest Expense 2.10m / Debt 775.8m)
Taxrate = 22.23% (130.3m / 586.0m)
NOPAT = 463.9m (EBIT 596.5m * (1 - 22.23%))
Current Ratio = 1.27 (Total Current Assets 681.5m / Total Current Liabilities 535.8m)
Debt / Equity = 0.36 (Debt 775.8m / last Quarter total Stockholder Equity 2.13b)
Debt / EBITDA = 0.97 (Net Debt -102.0m / EBITDA 801.2m)
Debt / FCF = 1.71 (Debt 775.8m / FCF TTM 454.0m)
Total Stockholder Equity = 2.02b (last 4 quarters mean)
RoA = 14.97% (Net Income 455.7m, Total Assets 3.04b )
RoE = 22.60% (Net Income TTM 455.7m / Total Stockholder Equity 2.02b)
RoCE = 26.43% (Ebit 596.5m / (Equity 2.02b + L.T.Debt 240.0m))
RoIC = 21.76% (NOPAT 463.9m / Invested Capital 2.13b)
WACC = 7.92% (E(11.90b)/V(12.67b) * Re(8.42%)) + (D(775.8m)/V(12.67b) * Rd(0.27%) * (1-Tc(0.22)))
Shares Correlation 3-Years: -30.30 | Cagr: -0.02%
Discount Rate = 8.42% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 78.60% ; FCFE base≈406.7m ; Y1≈456.4m ; Y5≈609.7m
Fair Price DCF = 135.0 (DCF Value 9.84b / Shares Outstanding 72.9m; 5y FCF grow 14.16% → 3.0% )
EPS Correlation: 60.42 | EPS CAGR: 6.81% | SUE: 3.90 | # QB: True
Revenue Correlation: 85.99 | Revenue CAGR: 4.35%
Additional Sources for JKHY Stock
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