(JKHY) Jack Henry & Associates - Overview
Stock: Core Processing, Payment Solutions, Digital Banking, Risk Management, Hardware
| Risk 5d forecast | |
|---|---|
| Volatility | 25.6% |
| Relative Tail Risk | -2.04% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.31 |
| Alpha | -14.76 |
| Character TTM | |
|---|---|
| Beta | 0.388 |
| Beta Downside | 0.313 |
| Drawdowns 3y | |
|---|---|
| Max DD | 23.02% |
| CAGR/Max DD | -0.05 |
EPS (Earnings per Share)
Revenue
Description: JKHY Jack Henry & Associates January 02, 2026
Jack Henry & Associates, Inc. (NASDAQ: JKHY) is a U.S.–based financial-technology firm that supplies core banking platforms, payment-processing infrastructure, and a suite of complementary digital services to banks, credit unions, and other financial institutions.
The business is organized into four segments: Core (core processing platforms such as SilverLake for commercial banks, Symitar for credit unions, CIF 20/20 and Core Director), Payments (ATM, ACH, remote deposit capture, card processing, online/mobile bill-pay, and risk-management tools), Complementary (digital/mobile banking, treasury, online account opening, AML/fraud detection, and lending solutions delivered via the Banno Digital Platform), and Corporate & Other (hardware, data-center services, implementation, training, and professional services).
In FY 2023 the company generated approximately $1.33 billion in revenue, up about 6 % year-over-year, with an operating margin near 18 % and free cash flow of roughly $200 million-metrics that reflect strong pricing power in a market where digital-banking adoption is rising at ~15 % annually. The Core segment remains the revenue engine, accounting for roughly 55 % of total sales, while the Payments and Complementary segments together contribute the remaining 45 %, driven by increasing transaction volumes and heightened regulatory focus on AML compliance. A key sector driver is the continued shift toward electronic payments and mobile banking, which benefits providers that can bundle core processing with integrated digital experiences.
For a deeper dive into JKHY’s valuation dynamics and how its growth prospects compare to peers, you might find the analysis on ValueRay worth a quick look.
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income: 507.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.21 > 0.02 and ΔFCF/TA 5.14 > 1.0 |
| NWC/Revenue: 5.92% < 20% (prev 3.63%; Δ 2.29% < -1%) |
| CFO/TA 0.23 > 3% & CFO 708.2m > Net Income 507.4m |
| Net Debt (79.2m) to EBITDA (870.8m): 0.09 < 3 |
| Current Ratio: 1.38 > 1.5 & < 3 |
| Outstanding Shares: last quarter (72.4m) vs 12m ago -0.92% < -2% |
| Gross Margin: 43.84% > 18% (prev 0.41%; Δ 4343 % > 0.5%) |
| Asset Turnover: 82.54% > 50% (prev 78.07%; Δ 4.47% > 0%) |
| Interest Coverage Ratio: 96.67 > 6 (EBITDA TTM 870.8m / Interest Expense TTM 6.86m) |
Altman Z'' 9.96
| A: 0.05 (Total Current Assets 530.8m - Total Current Liabilities 384.9m) / Total Assets 3.06b |
| B: 1.16 (Retained Earnings 3.56b / Total Assets 3.06b) |
| C: 0.22 (EBIT TTM 663.2m / Avg Total Assets 2.99b) |
| D: 4.15 (Book Value of Equity 3.56b / Total Liabilities 857.0m) |
| Altman-Z'' Score: 9.96 = AAA |
Beneish M -2.98
| DSRI: 1.10 (Receivables 337.7m/283.2m, Revenue 2.46b/2.27b) |
| GMI: 0.94 (GM 43.84% / 41.42%) |
| AQI: 1.03 (AQ_t 0.74 / AQ_t-1 0.72) |
| SGI: 1.08 (Revenue 2.46b / 2.27b) |
| TATA: -0.07 (NI 507.4m - CFO 708.2m) / TA 3.06b) |
| Beneish M-Score: -2.98 (Cap -4..+1) = A |
What is the price of JKHY shares?
Over the past week, the price has changed by -9.62%, over one month by -16.85%, over three months by -4.87% and over the past year by -6.84%.
Is JKHY a buy, sell or hold?
- StrongBuy: 4
- Buy: 0
- Hold: 14
- Sell: 0
- StrongSell: 1
What are the forecasts/targets for the JKHY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 202.7 | 29.3% |
| Analysts Target Price | 202.7 | 29.3% |
| ValueRay Target Price | 158.7 | 1.3% |
JKHY Fundamental Data Overview February 14, 2026
P/E Forward = 25.2525
P/S = 4.6245
P/B = 5.1587
P/EG = 2.4661
Revenue TTM = 2.46b USD
EBIT TTM = 663.2m USD
EBITDA TTM = 870.8m USD
Long Term Debt = 20.0m USD (from longTermDebt, last quarter)
Short Term Debt = 9.58m USD (from shortTermDebt, last quarter)
Debt = 107.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 79.2m USD (from netDebt column, last quarter)
Enterprise Value = 11.48b USD (11.40b + Debt 107.4m - CCE 28.2m)
Interest Coverage Ratio = 96.67 (Ebit TTM 663.2m / Interest Expense TTM 6.86m)
EV/FCF = 17.54x (Enterprise Value 11.48b / FCF TTM 654.2m)
FCF Yield = 5.70% (FCF TTM 654.2m / Enterprise Value 11.48b)
FCF Margin = 26.55% (FCF TTM 654.2m / Revenue TTM 2.46b)
Net Margin = 20.59% (Net Income TTM 507.4m / Revenue TTM 2.46b)
Gross Margin = 43.84% ((Revenue TTM 2.46b - Cost of Revenue TTM 1.38b) / Revenue TTM)
Gross Margin QoQ = 43.33% (prev 45.94%)
Tobins Q-Ratio = 3.75 (Enterprise Value 11.48b / Total Assets 3.06b)
Interest Expense / Debt = 1.06% (Interest Expense 1.14m / Debt 107.4m)
Taxrate = 24.07% (39.5m / 164.2m)
NOPAT = 503.6m (EBIT 663.2m * (1 - 24.07%))
Current Ratio = 1.38 (Total Current Assets 530.8m / Total Current Liabilities 384.9m)
Debt / Equity = 0.05 (Debt 107.4m / totalStockholderEquity, last quarter 2.20b)
Debt / EBITDA = 0.09 (Net Debt 79.2m / EBITDA 870.8m)
Debt / FCF = 0.12 (Net Debt 79.2m / FCF TTM 654.2m)
Total Stockholder Equity = 2.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 16.99% (Net Income 507.4m / Total Assets 3.06b)
RoE = 23.75% (Net Income TTM 507.4m / Total Stockholder Equity 2.14b)
RoCE = 30.76% (EBIT 663.2m / Capital Employed (Equity 2.14b + L.T.Debt 20.0m))
RoIC = 23.01% (NOPAT 503.6m / Invested Capital 2.19b)
WACC = 7.28% (E(11.40b)/V(11.50b) * Re(7.34%) + D(107.4m)/V(11.50b) * Rd(1.06%) * (1-Tc(0.24)))
Discount Rate = 7.34% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -0.39%
[DCF Debug] Terminal Value 83.64% ; FCFF base≈581.7m ; Y1≈717.5m ; Y5≈1.22b
Fair Price DCF = 333.7 (EV 24.16b - Net Debt 79.2m = Equity 24.08b / Shares 72.2m; r=7.28% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 77.36 | EPS CAGR: 10.07% | SUE: 2.68 | # QB: 4
Revenue Correlation: 94.07 | Revenue CAGR: 7.14% | SUE: 1.54 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.42 | Chg30d=-0.044 | Revisions Net=-7 | Analysts=7
EPS current Year (2026-06-30): EPS=6.46 | Chg30d=+0.173 | Revisions Net=+4 | Growth EPS=+8.5% | Growth Revenue=+6.1%
EPS next Year (2027-06-30): EPS=6.99 | Chg30d=+0.172 | Revisions Net=+7 | Growth EPS=+8.3% | Growth Revenue=+6.4%