JKHY Stock Analysis: Jack Henry & Associates | NASDAQ

Core Banking, Payment Processing, Digital Banking, Hardware

Total Rating 50

Safety 73

Buy Signal -0.70

Information Technology Services
Industry Rotation: -9.2

Market Cap: 9.99B
Avg Turnover: 148M

Risk 3d forecast

Volatility27.8%

VaR 5^th Pctl4.93%

VaR vs Median7.74%

Reward TTM

Sharpe Ratio-0.04

Rel. Str. IBD26

Rel. Str. Peer Group16.7

Character TTM

Beta-0.132

Beta Downside0.008

Hurst Exponent0.534

Drawdowns 3y

Max DD35.40%

CAGR/Max DD0.03

CAGR/Mean DD0.11

EPS (Earnings per Share)

EPS CAGR: 11.55%
EPS Trend: 97.1%

Last SUE: 1.44
Qual. Beats: 4

Revenue

Rev. CAGR: 6.92%
Rev. Trend: 99.6%

Last SUE: -4.00
Qual. Beats: -1

Warnings

Below Avwap Earnings

Below Sma 200d

Tailwinds

No distinct edge detected

Seasonality 11.7 years of data

Jan +0.3% 5

Feb -0.6% 17

Mar +0.1% 5

Apr -0.7% 10

May +0.7% 5

Jun +0.4% 18

Jul +2.1% 33

Aug -1.7% 30

Sep -2.8% 41

Oct -1.0% 11

Nov +3.2% 12

Dec -0.8% 11

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.

Description: JKHY Jack Henry & Associates

Jack Henry & Associates (NASDAQ: JKHY) is a U.S. financial technology company that provides technology solutions and payment processing services to banks and credit unions. Founded in 1976 and headquartered in Monett, Missouri, the company operates through four reporting segments: Core, Payments, Complementary, and Corporate Services.

The Core segment delivers integrated information processing platforms that handle deposit, loan, general ledger, and accountholder information for financial institutions. Flagship core systems include SilverLake and CIF 20/20 for commercial-focused banks, Core Director for point-and-click operations, and Symitar for credit unions. Core banking software providers typically operate under long-term contracts with high switching costs, which generally supports recurring revenue and customer retention.

The Payments segment provides ATM, debit and credit card processing, remote deposit capture, money movement, and online and mobile bill pay solutions. The Complementary segment offers digital and mobile banking through the Banno Digital Platform, along with treasury, online account opening, fraud and anti-money laundering, and lending solutions. Corporate Services supplies hardware and related products. Together, these offerings place the company within the Transaction & Payment Processing Services sub-industry, providing back-end infrastructure primarily to community banks and credit unions.

Headlines to Watch Out For

Core segment revenue grows on bank and credit union conversions
Payments segment margins expand on card processing volume growth
Banno digital platform adoption accelerates Complementary segment growth

Piotroski VR-10 (Strict) 8.5

Net Income: 502.8m TTM > 0 and > 6% of Revenue
FCF/TA: 0.22 > 0.02 and ΔFCF/TA 2.77 > 1.0
NWC/Revenue: 3.67% < 20% (prev 6.13%; Δ -2.47% < -1%)
CFO/TA 0.24 > 3% & CFO 762.0m > Net Income 502.8m
Net Debt (27.9m) to EBITDA (862.4m): 0.03 < 3
Current Ratio: 1.17 > 1.5 & < 3
Outstanding Shares: last quarter (72.0m) vs 12m ago -1.32% < -2%
Gross Margin: 43.60% > 18% (prev 42.71%; Δ 0.89% > 0.5%)
Asset Turnover: 81.86% > 50% (prev 78.03%; Δ 3.83% > 0%)
Interest Coverage Ratio: 120.5 > 6 (EBIT TTM 649.2m / Interest Expense TTM 5.39m)

Altman Z'' 7.41

A: 0.03 (Total Current Assets 649.1m - Total Current Liabilities 556.2m) / Total Assets 3.15b
B: 1.18 (Retained Earnings 3.71b / Total Assets 3.15b)
C: 0.21 (EBIT TTM 649.2m / Avg Total Assets 3.09b)
D: 1.88 (Book Value of Equity 2.05b / Total Liabilities 1.09b)
Altman-Z'' = 7.41 = AAA

Beneish M -2.95

DSRI: 1.05 (Receivables 356.0m/318.0m, Revenue 2.53b/2.38b)
GMI: 0.98 (GM 42.71% / 43.60%)
AQI: 1.03 (AQ_t 0.72 / AQ_t-1 0.70)
SGI: 1.07 (Revenue 2.53b / 2.38b)
TATA: -0.08 (NI 502.8m - CFO 762.0m) / TA 3.15b)
Beneish M = -2.95 (Cap -4..+1) = A

What is the price of JKHY shares?

As of October 08, 2026, the stock is trading at USD 145.69 with a total of 661,060 shares traded. Over the past week, the price has changed by +1.71%, over one month by -8.85%, over three months by -0.33% and over the past year by -1.16%.

Current recommended Stop Loss: 140.00 (which is 3.9% or 1.4 ATR below the current price).

Is JKHY a buy, sell or hold?

Jack Henry & Associates has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy JKHY.

StrongBuy: 11
Buy: 3
Hold: 6
Sell: 0
StrongSell: 0

What are the forecasts/targets for the JKHY price?

Analysts Target Price	189.7	30.2%

Jack Henry & Associates (JKHY) - Fundamental Data Overview as of 06 October 2026

Market Cap USD = 9.99b (9.99b USD * 1.0 USD.USD)
P/E Trailing = 20.6281
P/E Forward = 20.1613
P/S = 3.9279
P/B = 5.0683
P/EG = 1.8075
Revenue TTM = 2.53b USD
EBIT TTM = 649.2m USD
EBITDA TTM = 862.4m USD
Long Term Debt = 40.0m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 40.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 1.00k
Net Debt = 27.9m USD (calculated: Debt 40.0m - CCE 12.1m)
Enterprise Value = 10.0b USD (9.99b + Debt 40.0m - CCE 12.1m)
Interest Coverage Ratio = 120.5 (Ebit TTM 649.2m / Interest Expense TTM 5.39m)
EV/FCF = 14.42x (Enterprise Value 10.0b / FCF TTM 694.9m)
FCF Yield = 6.93% (FCF TTM 694.9m / Enterprise Value 10.0b)
FCF Margin = 27.43% (FCF TTM 694.9m / Revenue TTM 2.53b)
Net Margin = 19.85% (Net Income TTM 502.8m / Revenue TTM 2.53b)
Gross Margin = 43.60% ((Revenue TTM 2.53b - Cost of Revenue TTM 1.43b) / Revenue TTM)
Gross Margin QoQ = 42.31% (prev 42.80%)
Tobins Q-Ratio = 3.19 (Enterprise Value 10.0b / Total Assets 3.15b)
Interest Expense / Debt = 13.47% (Interest Expense 5.39m / Debt 40.0m)
Taxrate = 22.98% (150.0m / 652.8m)
NOPAT = 500.0m (EBIT 649.2m * (1 - 22.98%))
Current Ratio = 1.17 (Total Current Assets 649.1m / Total Current Liabilities 556.2m)
Debt / Equity = 0.02 (Debt 40.0m / totalStockholderEquity, last quarter 2.05b)
Debt / EBITDA = 0.03 (Net Debt 27.9m / EBITDA 862.4m)
Debt / FCF = 0.04 (Net Debt 27.9m / FCF TTM 694.9m)
Total Stockholder Equity = 2.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 16.25% (Net Income 502.8m / Total Assets 3.15b)
RoE = 23.49% (Net Income TTM 502.8m / Total Stockholder Equity 2.14b)
RoCE = 29.77% (EBIT 649.2m / Capital Employed (Equity 2.14b + L.T.Debt 40.0m))
RoIC = 19.40% (NOPAT 500.0m / Invested Capital 2.58b)
WACC = 5.54% (E(9.99b)/V(10.0b) * Re(5.52%) + D(40.0m)/V(10.0b) * Rd(13.47%) * (1-Tc(0.23)))
Discount Rate = 5.52% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -84.43 | Cagr: -0.60%
[DCF] Terminal Value 77.97% ; FCFF base≈652.2m ; Y1≈747.6m ; Y5≈1.10b
[DCF] Fair Price = 235.8 (EV 16.6b - Net Debt 27.9m = Equity 16.5b / Shares 70.1m; 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: 99.60 | Revenue CAGR: 6.92% | SUE: -4.0 | # QB: -1
EPS current Quarter (2026-09-30): EPS=2.01 | Chg30d=-0.92% | Revisions=+0% | Analysts=12
EPS next Quarter (2026-12-31): EPS=1.77 | Chg30d=+0.28% | Revisions=-30% | Analysts=12
EPS current Year (2027-06-30): EPS=7.25 | Chg30d=+0.29% | Revisions=+75% | GrowthEPS=+9.4% | GrowthRev=+5.9%
EPS next Year (2028-06-30): EPS=7.90 | Chg30d=+0.83% | Revisions=+36% | GrowthEPS=+9.0% | GrowthRev=+7.0%
[Analyst] Revisions Ratio: +30% (up=20, down=10)