JKHY Stock Analysis: Jack Henry & Associates | NASDAQ
Information Technology Services | NASDAQ, USA | Market Cap: 10.471m USD | 12M Return: -15.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 215M
EPS Trend: 95.8%
Qual. Beats: 3
Rev. Trend: 99.6%
Qual. Beats: 4
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 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 (888.7m): 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 42.06%; Δ 2.00% > 0.5%) |
| Asset Turnover: 84.10% > 50% (prev 79.12%; Δ 4.98% > 0%) |
| Interest Coverage Ratio: 123.3 > 6 (EBIT TTM 678.5m / 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: 0.23 (EBIT TTM 678.5m / Avg Total Assets 2.99b) |
| D: 2.33 (Book Value of Equity 2.13b / Total Liabilities 915.7m) |
| Altman-Z'' = 8.40 = AAA |
| DSRI: 0.92 (Receivables 282.5m/282.2m, Revenue 2.52b/2.32b) |
| GMI: 0.95 (GM 42.06% / 44.06%) |
| 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 = -3.07 (Cap -4..+1) = AA |
As of July 10, 2026, the stock is trading at USD 150.22 with a total of 1,730,683 shares traded. Over the past week, the price has changed by +5.48%, over one month by +17.96%, over three months by -1.62% and over the past year by -15.17%.
Current recommended Stop Loss: 143.30 (which is 4.6% or 1.5 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 | 23.8% |
P/E Trailing = 20.4965
P/E Forward = 20.3252
P/S = 4.1622
P/B = 4.8885
P/EG = 1.9847
Revenue TTM = 2.52b USD
EBIT TTM = 678.5m USD
EBITDA TTM = 888.7m 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 = 10.5b USD (10.5b + Debt 90.0m - CCE 20.6m)
Interest Coverage Ratio = 123.3 (Ebit TTM 678.5m / Interest Expense TTM 5.50m)
EV/FCF = 14.49x (Enterprise Value 10.5b / FCF TTM 727.6m)
FCF Yield = 6.90% (FCF TTM 727.6m / Enterprise Value 10.5b)
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 = 3.46 (Enterprise Value 10.5b / Total Assets 3.05b)
Interest Expense / Debt = 6.12% (Interest Expense 5.50m / Debt 90.0m)
Taxrate = 22.86% (153.8m / 673.0m)
NOPAT = 523.4m (EBIT 678.5m * (1 - 22.86%))
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 888.7m)
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 = 30.15% (EBIT 678.5m / Capital Employed (Equity 2.16b + L.T.Debt 90.0m))
RoIC = 19.40% (NOPAT 523.4m / Invested Capital 2.70b)
WACC = 6.26% (E(10.5b)/V(10.6b) * Re(6.27%) + D(90.0m)/V(10.6b) * Rd(6.12%) * (1-Tc(0.23)))
Discount Rate = 6.27% (= 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: 95.82 | EPS CAGR: 11.33% | SUE: 2.39 | # QB: 3
Revenue Correlation: 99.61 | Revenue CAGR: 6.96% | SUE: 2.75 | # QB: 4
EPS current Quarter (2026-09-30): EPS=1.97 | Chg30d=+0.00% | Revisions=+0% | Analysts=6
EPS current Year (2026-06-30): EPS=6.57 | Chg30d=+0.53% | Revisions=+25% | GrowthEPS=+10.3% | GrowthRev=+6.5%
EPS next Year (2027-06-30): EPS=7.10 | Chg30d=+0.43% | Revisions=+25% | GrowthEPS=+8.2% | GrowthRev=+5.9%
[Analyst] Revisions Ratio: +22% (up=4, down=2)