JKHY Stock Analysis: Jack Henry & Associates | NASDAQ
Information Technology Services | NASDAQ, USA | Market Cap: 11.586m USD | 12M Return: 4.4% | US4262811015 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 139M
EPS Trend: 97.1%
Qual. Beats: 4
Rev. Trend: 99.6%
Qual. Beats: 5
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Jack Henry & Associates (JKHY) is a U.S.-based financial technology company founded in 1976 and headquartered in Monett, Missouri, that provides technology solutions and payment processing services to banks and credit unions. The company is organized into four operating segments: Core, Payments, Complementary, and Corporate and Other, which together serve community and mid-sized financial institutions rather than the largest national banks.
The Core segment delivers the integrated information processing platforms that handle deposit, loan, and general ledger transactions, including flagship systems such as SilverLake for commercial-focused banks, Symitar for credit unions, CIF 20/20, and Core Director. The Payments segment covers ATM processing, ACH origination, remote deposit capture, debit and credit card processing, and online and mobile bill pay. The Complementary segment supplies digital and hosted platforms spanning mobile banking, treasury, online account opening, fraud and anti-money laundering tools, and lending/deposit solutions, including the Banno Digital Platform. The Corporate and Other segment provides hardware and miscellaneous products.
Listed on NASDAQ since 1985, JKHY operates within the Transaction & Payment Processing Services sub-industry, a B2B software-and-services model in which revenue is typically generated through a mix of recurring subscription, per-transaction, and licensing fees. The companys focus on community banks and credit unions distinguishes it from competitors that target the largest U.S. financial institutions, and its diversified product set spans core processing, digital channels, payments, and risk management, supported by implementation, training, data center, and professional services.
- Bank and credit union IT spending supports recurring core processing revenue
- Durbin amendment cap pressures payments segment debit interchange margins
- Competition from larger fintech rivals Fiserv and FIS threatens contract wins
| Net Income: 502.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.25 > 0.02 and ΔFCF/TA 4.92 > 1.0 |
| NWC/Revenue: 9.97% < 20% (prev 6.64%; Δ 3.34% < -1%) |
| CFO/TA 0.25 > 3% & CFO 762.0m > Net Income 502.8m |
| Net Debt (69.4m) to EBITDA (848.3m): 0.08 < 3 |
| Current Ratio: 1.74 > 1.5 & < 3 |
| Outstanding Shares: last quarter (72.0m) vs 12m ago -1.42% < -2% |
| Gross Margin: 43.65% > 18% (prev 42.71%; Δ 0.94% > 0.5%) |
| Asset Turnover: 85.06% > 50% (prev 81.01%; Δ 4.05% > 0%) |
| Interest Coverage Ratio: 117.9 > 6 (EBIT TTM 635.0m / Interest Expense TTM 5.39m) |
| 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: 0.21 (EBIT TTM 635.0m / Avg Total Assets 2.99b) |
| D: 2.33 (Book Value of Equity 2.13b / Total Liabilities 915.7m) |
| Altman-Z'' = 8.31 = AAA |
| DSRI: 0.93 (Receivables 282.5m/282.2m, Revenue 2.54b/2.38b) |
| GMI: 0.98 (GM 42.71% / 43.65%) |
| AQI: 1.02 (AQ_t 0.73 / AQ_t-1 0.72) |
| SGI: 1.07 (Revenue 2.54b / 2.38b) |
| TATA: -0.08 (NI 502.8m - CFO 762.0m) / TA 3.05b) |
| Beneish M = -3.05 (Cap -4..+1) = AA |
As of August 24, 2026, the stock is trading at USD 166.20 with a total of 940,374 shares traded. Over the past week, the price has changed by +8.41%, over one month by +12.12%, over three months by +21.54% and over the past year by +4.35%.
Current recommended Stop Loss: 158.50 (which is 4.6% or 1.4 ATR below the current price).
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 | 186.7 | 12.3% |
P/E Trailing = 21.9167
P/E Forward = 21.1864
P/S = 4.6053
P/B = 5.3005
P/EG = 2.0685
Revenue TTM = 2.54b USD
EBIT TTM = 635.0m USD
EBITDA TTM = 848.3m 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 = 11.7b USD (11.6b + Debt 90.0m - CCE 20.6m)
Interest Coverage Ratio = 117.9 (Ebit TTM 635.0m / Interest Expense TTM 5.39m)
EV/FCF = 15.30x (Enterprise Value 11.7b / FCF TTM 762.0m)
FCF Yield = 6.54% (FCF TTM 762.0m / Enterprise Value 11.7b)
FCF Margin = 29.95% (FCF TTM 762.0m / Revenue TTM 2.54b)
Net Margin = 19.76% (Net Income TTM 502.8m / Revenue TTM 2.54b)
Gross Margin = 43.65% ((Revenue TTM 2.54b - Cost of Revenue TTM 1.43b) / Revenue TTM)
Gross Margin QoQ = 42.52% (prev 42.80%)
Tobins Q-Ratio = 3.82 (Enterprise Value 11.7b / Total Assets 3.05b)
Interest Expense / Debt = 5.99% (Interest Expense 5.39m / Debt 90.0m)
Taxrate = 22.98% (150.0m / 652.8m)
NOPAT = 489.1m (EBIT 635.0m * (1 - 22.98%))
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 848.3m)
Debt / FCF = 0.09 (Net Debt 69.4m / FCF TTM 762.0m)
Total Stockholder Equity = 2.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 16.81% (Net Income 502.8m / Total Assets 3.05b)
RoE = 23.27% (Net Income TTM 502.8m / Total Stockholder Equity 2.16b)
RoCE = 28.22% (EBIT 635.0m / Capital Employed (Equity 2.16b + L.T.Debt 90.0m))
RoIC = 18.13% (NOPAT 489.1m / Invested Capital 2.70b)
WACC = 5.50% (E(11.6b)/V(11.7b) * Re(5.51%) + D(90.0m)/V(11.7b) * Rd(5.99%) * (1-Tc(0.23)))
Discount Rate = 5.51% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -84.43 | Cagr: -0.60%
[DCF] Terminal Value 77.97% ; FCFF base≈692.4m ; Y1≈793.8m ; Y5≈1.17b
[DCF] Fair Price = 246.4 (EV 17.6b - Net Debt 69.4m = Equity 17.5b / Shares 71.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 97.09 | EPS CAGR: 11.55% | SUE: 1.44 | # QB: 4
Revenue Correlation: 99.62 | Revenue CAGR: 6.99% | SUE: 1.75 | # QB: 5
EPS current Quarter (2026-09-30): EPS=1.98 | Chg30d=+0.25% | Revisions=+0% | Analysts=7
EPS next Quarter (2026-12-31): EPS=1.78 | Chg30d=+0.49% | Revisions=+62% | Analysts=7
EPS current Year (2027-06-30): EPS=7.10 | Chg30d=+0.01% | Revisions=+25% | GrowthEPS=+7.2% | GrowthRev=+5.3%
EPS next Year (2028-06-30): EPS=7.70 | Chg30d=+0.19% | Revisions=+25% | GrowthEPS=+8.4% | GrowthRev=+6.6%
[Analyst] Revisions Ratio: +50% (up=9, down=2)