JKHY Stock Analysis: Jack Henry & Associates | NASDAQ
Information Technology Services | NASDAQ, USA | Market Cap: 10.857m USD | 12M Return: 1.1% | US4262811015 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 157M
EPS Trend: 97.1%
Qual. Beats: 4
Rev. Trend: 99.6%
Qual. Beats: -1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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: 0.22 > 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) |
| 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 |
| 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 |
As of September 27, 2026, the stock is trading at USD 147.79 with a total of 572,982 shares traded. Over the past week, the price has changed by -4.56%, over one month by -14.57%, over three months by +15.24% and over the past year by +1.07%.
Current recommended Stop Loss: 140.50 (which is 4.9% 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 | 190.2 | 28.7% |
P/E Trailing = 22.1848
P/E Forward = 21.0526
P/S = 4.2671
P/B = 5.2917
P/EG = 1.8872
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 = 10.9b USD (10.9b + Debt 40.0m - CCE 12.1m)
Interest Coverage Ratio = 120.5 (Ebit TTM 649.2m / Interest Expense TTM 5.39m)
EV/FCF = 15.66x (Enterprise Value 10.9b / FCF TTM 694.9m)
FCF Yield = 6.38% (FCF TTM 694.9m / Enterprise Value 10.9b)
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 = 3.46 (Enterprise Value 10.9b / 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 = 5.49% (E(10.9b)/V(10.9b) * Re(5.47%) + D(40.0m)/V(10.9b) * Rd(13.47%) * (1-Tc(0.23)))
Discount Rate = 5.47% (= 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=+1.42% | Revisions=+0% | Analysts=11
EPS next Quarter (2026-12-31): EPS=1.76 | Chg30d=-1.05% | Revisions=-22% | Analysts=11
EPS current Year (2027-06-30): EPS=7.23 | Chg30d=+1.76% | Revisions=+75% | GrowthEPS=+9.1% | GrowthRev=+5.8%
EPS next Year (2028-06-30): EPS=7.85 | Chg30d=+2.01% | Revisions=+30% | GrowthEPS=+8.7% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: +32% (up=19, down=9)