Jack Henry & Associates, Inc. (JKHY)

NMS – Real Time Price. Currency in USD

144.73

+1.08 (0.75%)

At close: May 12, 2026, 4:00 PM EDT

144.17

-0.56 (-0.39%)

Pre-market: May 13, 2026, 4:06 AM EDT

Stock details

Previous close: 144.73$
Day's range: 144.22 - 147.1$
52-week range: 141.81 - 193.39$
Volume: 1 279 213
Average volume: 1 160 362
Beta: 0.14
EPS (TTM): 7.17
PE ratio (TTM): 20.24
Forward P/E: 21.13
Market cap: 10 283 179 133
Shares outstanding: 71 050 778
Dividend yield: $1.64 (1.64%)
Next earnings date: 2026-08-25
Sector: Technology
Industry: Information Technology Services

About the company

Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist of integrated applications required to process de... read more

CEO: Gregory Adelson
Country: United States
IPO Date
Employees: 7240
Fiscal Year End: July - June
Website: https://www.jackhenry.com

Revenue Breakdown

Payments / 36.77%

Core / 31.12%

Complementary / 28.43%

News

No Data

There are no news for this stock.

Chart: JKHY

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Overall Score

6.8 / 1068%

Financial Strength

8.8

Profitability

9.6

Effectiveness

8.8

Growth

5.9

Forecast

4.3

Valuation

3.8

Dividend

7.3

Economic Moat

5.8

Octagon View

Strength & Weakness

Total debt $136.6M significantly exceeds cash reserves ($20.6M), raising financial stability concerns

Total current assets $513.6M exceed Total current liabilities $341.1M, highlighting excellent liquidity

Debt-to-equity ratio (0.1) is well below the industry average (-16.1), showcasing prudent financial management

Interest coverage ratio (113x) indicates the company easily manages its debt payments

The company generates positive free cash flow $169.5M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.51	1.92	8.0
Quick ratio	1.51	1.64	8.0
Debt to Equity	0.06	-16.07	9.0
Debt to Assets	0.04	9.61	9.0
Interest coverage	112.76	10.13	10
Weighted average score			8.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	1.94B	2.08B	2.22B	2.38B	2.52B
Gross Profit	814M	859M	919M	1.01B	1.11B
Operating Income	475M	481M	505M	569M	654M
Net Income	363M	367M	382M	456M	519M
EBITDA	652M	671M	705M	773M	864M

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	42.80	29.52	8.0
Operating margin %	24.37	-0.12	10
Net margin %	19.32	-0.81	10
EBITDA margin %	32.80	6.89	10
Cash flow margin %	29.24	5.82	10
Weighted average score			9.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	16.34	-3.81	9.0
ROE	23.89	4.96	10
ROIC	22.88	-12.74	10
ROCE	6.19	7.79	6.0
Weighted average score			8.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	2.33	-17.35	2.0
Next quarter	5.59	3.7	4.5
Current year	6.48	9.67	5.5
Next year	5.9	6	5.0
Weighted average score			4.3

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	2.73	-1.41	-0.57	28.96	4.0
Y/Y	8.74	10.61	12.5	76.33	7.5
3y average	6.93	8.18	8.37	12.38	6.0
5y average	6.98	9.21	10.35	8.05	6.0
Weighted average score					5.9

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	20.37	6.90	3.4
PEG (5yr expected)	1.98	0.40	5.0
P/S	4.21	3.24	3.6
P/B	4.85	3.15	3.2
Weighted average score			3.8

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR6.72%

FCF 5 year CAGR4

Fair value149$

Stock price144.73$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	1.44	1.44	5.0
Payout ratio	36.14	36.14	6.0
5-year dividend growth rate	6.17	6.17	8.0
Years of dividend increase	35.00	35.00	10
Weighted average score			7.3

Fair Value

$149

UndervaluedStock priceOvervalued

$144.73

Economic Moat

NAME	SCALE	SCORE
Market share	Medium	6.0
Intangible assets	Medium	7.0
Switching costs	Medium	7.0
Network effect	Narrow	3.0
Economies of scale	Medium	6.0
Weighted average score		5.8

About the company

CEO

Gregory Adelson

Country

United States

IPO Date

Employees

7240

Fiscal Year End

July - June

Website

https://www.jackhenry.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.51

1.92

8.0

Quick ratio

1.51

1.64

8.0

Debt to Equity

0.06

-16.07

9.0

Debt to Assets

0.04

9.61

9.0

Interest coverage

112.76

10.13

Weighted average score

8.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

1.94B

2.08B

2.22B

2.38B

2.52B

Gross Profit

814M

859M

919M

1.01B

1.11B

Operating Income

475M

481M

505M

569M

654M

Net Income

363M

367M

382M

456M

519M

EBITDA

652M

671M

705M

773M

864M

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

42.80

29.52

8.0

Operating margin %

24.37

-0.12

Net margin %

19.32

-0.81

EBITDA margin %

32.80

6.89

Cash flow margin %

29.24

5.82

Weighted average score

9.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

16.34

-3.81

9.0

ROE

23.89

4.96

ROIC

22.88

-12.74

ROCE

6.19

7.79

6.0

Weighted average score

8.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

2.33

-17.35

2.0

Next quarter

5.59

3.7

4.5

Current year

6.48

9.67

5.5

Next year

5.9

5.0

Weighted average score

4.3

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

2.73

-1.41

-0.57

28.96

4.0

Y/Y

8.74

10.61

12.5

76.33

7.5

3y average

6.93

8.18

8.37

12.38

6.0

5y average

6.98

9.21

10.35

8.05

6.0

Weighted average score

5.9

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

20.37

6.90

3.4

PEG (5yr expected)

1.98

0.40

5.0

P/S

4.21

3.24

3.6

P/B

4.85

3.15

3.2

Weighted average score

3.8

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

1.44

5.0

Payout ratio

36.14

6.0

5-year dividend growth rate

6.17

8.0

Years of dividend increase

35.00

Weighted average score

7.3

NAME

SCALE

SCORE

Market share

Medium

6.0

Intangible assets

Medium

7.0

Switching costs

Medium

7.0

Network effect

Narrow

3.0

Economies of scale

Medium

6.0

Weighted average score

5.8

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Jack Henry & Associates, Inc. (JKHY)

Stock details

About the company

Revenue Breakdown

News

Chart: JKHY

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$149

$144.73

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: JKHY

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$149

$144.73

Economic Moat