(JKHY) Jack Henry & Associates - Overview
Sector: Technology | Industry: Information Technology Services | Exchange: NASDAQ (USA) | Market Cap: 9.961m USD | Total Return: -23% in 12m
Avg Turnover: 170M
EPS Trend: 96.7%
Qual. Beats: 0
Rev. Trend: 99.6%
Qual. Beats: 4
Warnings
Fakeout
Tailwinds
No distinct edge detected
Jack Henry & Associates Inc (JKHY) is a financial technology provider specializing in core information processing and payment services for banks and credit unions. The company operates through four distinct segments: Core, Payments, Complementary, and Corporate. Its primary business model involves providing the foundational operating systems-such as SilverLake and Symitar-that financial institutions require to manage deposits, loans, and general ledger transactions.
The company maintains a significant presence in the community banking and credit union sectors, where high switching costs for core processing systems often lead to long-term client retention. In addition to core platforms, the Payments and Complementary segments offer digital banking, fraud prevention, and mobile bill pay solutions to address the increasing demand for electronic transaction processing. For a deeper look into the companys historical performance and valuation metrics, you may find it useful to explore the data on ValueRay.
Founded in 1976 and headquartered in Missouri, Jack Henry functions as a critical infrastructure provider within the Transaction & Payment Processing Services sub-industry. The firm’s Banno Digital Platform represents its shift toward modern, cloud-based interfaces, reflecting broader industry trends toward digital transformation in regional and local finance.
- Sustained demand for core platform modernization drives long-term recurring cloud revenue
- Expansion of Banno digital banking platform increases cross-selling within existing client base
- High interest rates and bank liquidity stress delay regional bank technology spending
- Growth in electronic payment processing volumes enhances high-margin transactional service revenue
- Rising cybersecurity threats increase demand for fraud prevention and risk management modules
| Net Income: 519.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.24 > 0.02 and ΔFCF/TA 7.44 > 1.0 |
| NWC/Revenue: 10.08% < 20% (prev 6.79%; Δ 3.29% < -1%) |
| CFO/TA 0.26 > 3% & CFO 786.4m > Net Income 519.2m |
| Net Debt (69.4m) to EBITDA (864.1m): 0.08 < 3 |
| Current Ratio: 1.74 > 1.5 & < 3 |
| Outstanding Shares: last quarter (72.0m) vs 12m ago -1.42% < -2% |
| Gross Margin: 44.06% > 18% (prev 0.42%; Δ 4.36k% > 0.5%) |
| Asset Turnover: 84.10% > 50% (prev 79.12%; Δ 4.98% > 0%) |
| Interest Coverage Ratio: 118.8 > 6 (EBITDA TTM 864.1m / Interest Expense TTM 5.50m) |
| A: 0.08 (Total Current Assets 594.8m - Total Current Liabilities 341.1m) / Total Assets 3.05b |
| B: 1.19 (Retained Earnings 3.64b / Total Assets 3.05b) |
| C: 0.22 (EBIT TTM 654.0m / Avg Total Assets 2.99b) |
| D: 3.97 (Book Value of Equity 3.64b / Total Liabilities 915.7m) |
| Altman-Z'' = 10.07 = AAA |
| DSRI: 0.92 (Receivables 282.5m/282.2m, Revenue 2.52b/2.32b) |
| GMI: 0.95 (GM 44.06% / 42.06%) |
| AQI: 1.02 (AQ_t 0.73 / AQ_t-1 0.72) |
| SGI: 1.08 (Revenue 2.52b / 2.32b) |
| TATA: -0.09 (NI 519.2m - CFO 786.4m) / TA 3.05b) |
| Beneish M = -3.15 (Cap -4..+1) = AA |
As of May 25, 2026, the stock is trading at USD 140.19 with a total of 1,044,017 shares traded.
Over the past week, the price has changed by +2.43%,
over one month by -7.25%,
over three months by -9.91% and
over the past year by -23.00%.
Jack Henry & Associates has received a consensus analysts rating of 3.32. Therefore, it is recommended to hold JKHY.
- StrongBuy: 4
- Buy: 0
- Hold: 14
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 189.2 | 35% |
P/E Trailing = 19.5796
P/E Forward = 19.4175
P/S = 3.9594
P/B = 4.6641
P/EG = 1.9029
Revenue TTM = 2.52b USD
EBIT TTM = 654.0m USD
EBITDA TTM = 864.1m USD
Long Term Debt = 90.0m USD (from longTermDebt, last quarter)
Short Term Debt = 9.40m USD (from shortTermDebt, last fiscal year)
Debt = 90.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 1.00k
Net Debt = 69.4m USD (calculated: Debt 90.0m - CCE 20.6m)
Enterprise Value = 10.0b USD (9.96b + Debt 90.0m - CCE 20.6m)
Interest Coverage Ratio = 118.8 (Ebit TTM 654.0m / Interest Expense TTM 5.50m)
EV/FCF = 13.78x (Enterprise Value 10.0b / FCF TTM 727.6m)
FCF Yield = 7.25% (FCF TTM 727.6m / Enterprise Value 10.0b)
FCF Margin = 28.92% (FCF TTM 727.6m / Revenue TTM 2.52b)
Net Margin = 20.64% (Net Income TTM 519.2m / Revenue TTM 2.52b)
Gross Margin = 44.06% ((Revenue TTM 2.52b - Cost of Revenue TTM 1.41b) / Revenue TTM)
Gross Margin QoQ = 42.80% (prev 43.33%)
Tobins Q-Ratio = 3.29 (Enterprise Value 10.0b / Total Assets 3.05b)
Interest Expense / Debt = 6.12% (Interest Expense 5.50m / Debt 90.0m)
Taxrate = 22.48% (35.6m / 158.5m)
NOPAT = 506.9m (EBIT 654.0m * (1 - 22.48%))
Current Ratio = 1.74 (Total Current Assets 594.8m / Total Current Liabilities 341.1m)
Debt / Equity = 0.04 (Debt 90.0m / totalStockholderEquity, last quarter 2.13b)
Debt / EBITDA = 0.08 (Net Debt 69.4m / EBITDA 864.1m)
Debt / FCF = 0.10 (Net Debt 69.4m / FCF TTM 727.6m)
Total Stockholder Equity = 2.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 17.36% (Net Income 519.2m / Total Assets 3.05b)
RoE = 24.03% (Net Income TTM 519.2m / Total Stockholder Equity 2.16b)
RoCE = 29.06% (EBIT 654.0m / Capital Employed (Equity 2.16b + L.T.Debt 90.0m))
RoIC = 18.64% (NOPAT 506.9m / Invested Capital 2.72b)
WACC = 5.96% (E(9.96b)/V(10.1b) * Re(5.97%) + D(90.0m)/V(10.1b) * Rd(6.12%) * (1-Tc(0.22)))
Discount Rate = 5.97% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -46.67 | Cagr: -0.61%
[DCF] Terminal Value 77.97% ; FCFF base≈629.1m ; Y1≈721.1m ; Y5≈1.06b
[DCF] Fair Price = 223.8 (EV 16.0b - Net Debt 69.4m = Equity 15.9b / Shares 71.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 96.74 | EPS CAGR: 14.29% | SUE: 0.63 | # QB: 0
Revenue Correlation: 99.61 | Revenue CAGR: 6.96% | SUE: 2.75 | # QB: 4
EPS next Quarter (2026-09-30): EPS=1.97 | Chg30d=+1.03% | Revisions=+0% | Analysts=6
EPS current Year (2026-06-30): EPS=6.53 | Chg30d=+1.42% | Revisions=+40% | GrowthEPS=+9.7% | GrowthRev=+6.5%
EPS next Year (2027-06-30): EPS=7.07 | Chg30d=+1.13% | Revisions=+69% | GrowthEPS=+8.3% | GrowthRev=+6.0%
[Analyst] Revisions Ratio: +69%