Jack Henry & Associates, Inc. (JKHY)

NASDAQ: JKHY · USD

$158

-0.19 (-0.1%)· Recorded snapshot

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StockMarketAgent Research · Analyzed 2026-09-20

Our latest published analysis: JKHY rated Buy

Jack Henry & Associates, Inc.'s published Buy conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$184 / share

Potential value

$255 / share

Upside to FV

+18.6%

from $158

Moat

9/10

Wide

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$10.9B
Revenue (ttm)	2.5B
Net income (ttm)	502.8M
EPS (ttm)	$6.98
Shares out	70.1M
P/E (trailing)	22.6x
P/E (forward)	21.1x
Dividend	$2.44 (1.55%)
Volume	621,758
Beta	0.56

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 2.5B
Net income (ttm): 502.8M
EPS (ttm): $6.98
P/E (trailing): 22.6x
P/E (forward): 21.1x
Market cap: $10.9B

Item	P1	P2	P3	P4	P5	Trend
Period	2022-06-30	2023-06-30	2024-06-30	2025-06-30	2026-06-30	Trend
Revenue	$1.94B	$2.08B	$2.22B	$2.38B	$2.54B	+7.0%
Gross profit	$814.3M	$858.6M	$916.1M	$1.01B	$1.08B	+7.2%
Operating income	$474.6M	$480.7M	$489.4M	$568.7M	$635.0M	+7.6%
Net income	$362.9M	$366.6M	$381.8M	$455.7M	$502.8M	+8.5%
EPS (diluted)	$4.94	$5.02	$5.23	$6.24	$6.98	+9.0%
EBITDA	$652.3M	$680.4M	$714.3M	$801.2M	$819.5M	+5.9%
R&D	$121.4M	$142.7M	$148.3M	$162.8M	$176.4M	+9.8%
SG&A	$218.3M	$235.3M	$278.4M	$283.1M	$299.2M	+8.2%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AAPL	Apple Inc.	5T	39.4x	10.8x	101.6%	+6.1%	+28.5%	卖出
ABNB	Airbnb, Inc.	97.8B	37.5x	7.4x	16.8%	+24.4%	+28.5%	卖出
ADBE	Adobe Inc.	97.1B	13.9x	3.7x	57.2%	+11.5%	-30.7%	强力买入
ACN	Accenture plc	144.3B	18.0x	2.0x	27.9%	+8.0%	+0.4%	持有
ADI	Analog Devices, Inc.	207.6B	50.9x	14.8x	11.0%	+16.4%	+76.9%	卖出
AI	C3.ai, Inc.	2B	—	8.4x	-35.6%	+3.6%	-33.6%	卖出

Base and Bull scenarios

Base60%

Price target

$183.66

+18.6% from spot

Modal expected case where Jack Henry compounds top-line revenue within guided expectations, driven by steady core renewals, expanding payments volume, and annual operating margin expansion supported by core replacement wins within the target range.

Consolidated revenue growth of 5.5% to 6.5%
Core wins of 58 to 65 institutions
Operating margin expansion of 20 to 40 bps
Free cash flow conversion of 85% to 100%

Bull20%

Price target

$254.92

+64.6% from spot

Upside thesis materializes as digital payments volume accelerates, client cross-sell of newly released AI tools expands complementary software attach rates, and core replacement wins exceed the guided range, driving high-single-digit revenue growth and operating margin expansion.

Core wins exceed 65 institutions annually
Non-GAAP revenue growth tracks toward 7.3%
Operating margins expand toward 26.3% as AI product monetization scales

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($183.66). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	2.0%	2.5%	3.0%	3.5%	4.0%
5.9%	$226	$245	$271	$310	$371
6.9%	$191	$202	$215	$233	$258
7.9%	$168	$174	$184	$193	$205
8.9%	$151	$155	$161	$167	$175
9.9%	$138	$141	$145	$149	$154

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E21.1

P25 n/aP50 n/aP75 n/a

Trailing P/E22.2

P25 n/aP50 n/aP75 n/a

ROE24

P25 n/aP50 n/aP75 n/a

ROIC22.7

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All JKHY indicators

Market & fundamental data

Available fields

288

Groups with data

Currency

USD

Showing 288 of 288 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000779152
Company name	Jack Henry & Associates, Inc.
Country	United States
Country code	US
CUSIP number	426281101
Earnings date	2026-11-03
Earnings time	amc
Employees	7,300
Employees change	60
Employees growth	0.83%
Enterprise value	$11.1B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	June
Founded	1976
In index	SP500
Industry	Information Technology Services
Is primary listing	Yes
Is SPAC	No
ISIN number	US4262811015
Last 10-K release date	2026-08-28
Last earnings date	2026-08-18
Last refreshed	2026-10-28
Last stock split date	2001-03-05
Last stock split type	Forward
Market cap	$11.1B
Market cap category	Large-Cap
Next earnings date	2026-11-03
Options	Yes
Price	$158.06
Price currency	USD
Sector	Technology
SIC code	7373
Stock price date	2026-10-28
Symbol	JKHY
U.S. state	Missouri
Website	https://www.jackhenry.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	23.88x
Average P/E ratio (10Y)	33.14x
Average P/E ratio (3Y)	28.43x
Average P/E ratio (5Y)	31.39x
Earnings yield	4.42%
EV/Earnings	22.13x
EV/EBIT	17.3x
EV/EBITDA	15.84x
EV/FCF	16.01x
EV/Sales	4.37x
FCF / EV yield	6.25%
FCF yield	6.28%
Forward EV/Sales	4.13x
Forward P/E	21.78x
Forward P/S	4.11x
Graham number	67.81626
Graham upside	-57.01%
Industry forward P/E	15.59x
Industry P/E	21.77x
Lynch fair value	$70.15
Lynch upside	-55.53%
P/(FCF - SBC) ratio	16.7x
P/(OCF - SBC) ratio	15.16x
P/B ratio	5.4x
P/E ratio	22.64x
P/FCF ratio	15.92x
P/OCF ratio	14.51x
P/S ratio	4.35x
PEG ratio	1.98x
Price / tangible book value	21.79x
Price/EBITDA ratio	15.75x
Sector forward P/E	18.86x
Sector P/E	32.77x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	25.28%
EBITDA margin	27.6%
Effective tax rate	22.98%
FCF margin	27.31%
Gross margin	43.9%
Operating margin	25.28%
Pretax margin	25.66%
Profit margin	19.76%
Profit per employee	$68,873
Profitable quarters	120
Profitable years	34
Revenue per employee	$348,540
ROA	12.99%
ROA (5Y)	11.9%
ROCE	24.84%
ROE	24.04%
ROE (5Y)	24.1%
ROIC	22.68%
ROIC (5Y)	22.18%
SBC / revenue	1.28%
Tax / revenue	5.9%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	11.86%
EPS growth (Q)	-10.4%
EPS growth (QoQ)	-8.41%
EPS growth 10Y	8.39%
EPS growth 3Y	11.61%
EPS growth 5Y	11.12%
EPS growth years	7
FCF growth	18.14%
FCF growth (Q)	-10.4%
FCF growth (QoQ)	66.47%
FCF growth 3Y	26.61%
FCF growth 5Y	9.61%
Gross profit growth	10.09%
Gross profit growth (Q)	3.16%
Gross profit growth 3Y	9.16%
Gross profit growth 5Y	9.96%
Net income growth	10.32%
Net income growth (Q)	-12.83%
Net income growth (QoQ)	-9.49%
Net income growth 3Y	11.1%
Net income growth 5Y	10.05%
Net income growth years	7
OCF growth	18.78%
OCF growth (Q)	-7.47%
OCF growth (QoQ)	62.7%
OCF growth 10Y	7.6%
OCF growth 3Y	25.93%
OCF growth 5Y	10.52%
Operating income growth	13.09%
Operating income growth (Q)	-6.92%
Operating income growth 3Y	10.19%
Operating income growth 5Y	10.04%
Revenue growth	7.12%
Revenue growth (Q)	4.66%
Revenue growth (QoQ)	1.22%
Revenue growth 10Y	6.51%
Revenue growth 3Y	6.99%
Revenue growth 5Y	7.67%
Revenue growth quarters	36
Revenue growth years	33

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-67.1M
Depreciation and amortization	$59M
EBIT	$643.2M
EBITDA	$702.2M
EPS	$6.98
FCF per share	$9.91
Financing cash flow	$-574.1M
Free cash flow	$694.9M
Free cash flow minus SBC	$662.4M
Gross profit	$1.1B
Income taxes	$150M
Investing cash flow	$-277.7M
Net borrowing	$40M
Net cash flow	$-89.9M
Net income	$502.8M
Operating cash flow minus SBC	$729.5M
Operating income	$643.2M
Revenue	$2.5B
Stock-based compensation	$32.5M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	9.57
Book value per share	$29.28
Debt / EBITDA	0.11
Debt / equity	0.04
Debt / FCF	0.11
Goodwill	$827.7M
Interest coverage	119.4
Long-term assets	$2.5B
Long-term liabilities	$537.5M
Net cash (debt)	$-65.8M
Net cash / market cap	-0.59%
Net debt / EBITDA	0.09
Net debt / equity	0.03
Net debt / FCF	0.09
Piotroski F-Score	6
Property, plant and equipment	$252.3M
Shareholders' equity	$2.1B
Tangible book value	$507.5M
Tangible book value per share	$7.24
Total assets	$3.1B
Total cash	$12.1M
Total debt	$77.8M
Total liabilities	$1.1B
WACC	7.33%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.82
Current assets	$649.1M
Current liabilities	$556.2M
Current ratio	1.17
Net working capital	$89.8M
Quick ratio	0.73
Working capital	$92.9M
Working capital turnover	21.33

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	1.37%
Dividend growth	5.24%
Dividend growth (10Y)	8.26%
Dividend growth (3Y)	5.54%
Dividend growth (5Y)	5.89%
Dividend growth years	36
Dividend payment date	2026-09-23
Dividend payment years	37
Dividend payout frequency	Quarterly
Dividend per share	$2.44
Dividend yield	1.55%
Ex-dividend date	2026-09-04
FCF payout ratio	24.62%
Last dividend	$0.61
Payout ratio	34.96%
Shareholder yield	2.92%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	96.88%
10Y return CAGR	8.32%
10Y total return	122.37%
150-day SMA	$149.55
15Y price change	367.38%
15Y return CAGR	12.26%
15Y total return	466.4%
1D price change	-0.12%
1M price change	5.98%
1M total return	5.98%
1W price change	1.24%
1W total return	1.24%
1Y price change	0.2%
1Y return CAGR	1.73%
1Y total return	1.73%
20-day SMA	$152.50
200-day SMA	$154.79
20Y price change	603.59%
20Y return CAGR	11.7%
20Y total return	814.2%
3M price change	2.38%
3M total return	2.75%
3Y price change	13.41%
3Y return CAGR	5.73%
3Y total return	18.18%
50-day SMA	$156.97
50-day SMA vs 200-day SMA	50over200
52-week high	$193.39
52-week high date	2026-01-15
52-week low	$121.04
52-week low date	2026-06-22
5Y price change	-4.91%
5Y return CAGR	0.29%
5Y total return	1.47%
6M price change	3.72%
6M total return	4.56%
All-time high	$212.62
All-time high date	2022-08-10
All-time low	$0.06
All-time low date	1989-10-09
Average true range (ATR)	$4.18
Average volume	764.9K
Beta (1Y)	0.12
Beta (2Y)	0.06
Beta (5Y)	0.56
Change from 52-week high	-18.27%
Change from 52-week low	30.59%
Change from all-time high	-26.34%
Change from all-time low	250,492%
Change from open	0.44%
Day's gap	-0.56%
Dollar volume	$98.3M
High price	$158.60
Low price	$156.73
Monthly RSI	48.1
Open price	$157.36
Position in 52-week range	71.12%
Premarket change	0.69%
Premarket close	$158.25
Premarket price	$159.34
Previous close	$158.25
Price vs 150-day SMA	4.73%
Price vs 20-day SMA	2.7%
Price vs 200-day SMA	1.18%
Price vs 50-day SMA	-0.23%
Relative volume	0.81
RSI	53.47
Sharpe ratio	0.07
Sharpe ratio (3Y)	0.14
Sharpe ratio (5Y)	-0.05
Sortino ratio	0.29
Sortino ratio (3Y)	0.42
Sortino ratio (5Y)	0.14
Volume	621.8K
Weekly RSI	51.2
YTD price change	-14.17%
YTD total return	-13.16%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	69.7M
Float percentage	99.42%
Shares change (QoQ)	-1.54%
Shares change (YoY)	-1.37%
Shares held by insiders	0.4%
Shares held by institutions	101.25%
Shares outstanding	70.1M
Short % of float	6.88%
Short % of shares	6.84%
Short ratio	4.6 days

Deeper analysis on JKHY

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this JKHY report

What is the latest published JKHY stock rating?

Jack Henry & Associates, Inc. is shown with Buy in the latest published report, analyzed 2026-09-20. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full JKHY analysis?

The full latest published report, analyzed 2026-09-20, lives at /stocks/JKHY/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for JKHY?

The latest published report analyzed 2026-09-20 gives JKHY a fair value of USD 184 and a potential value of USD 255. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the JKHY page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-09-20). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

BuyJKHY · Fair value $184+18.6%

Read full analysis →

Jack Henry & Associates, Inc. (JKHY)

Our latest published analysis: JKHY rated Buy

Price

Financial snapshot

Fair-value bridge

Latest news · JKHY

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All JKHY indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on JKHY

Frequently asked questions

评级历史

Category	Score	Reading
Valuation	7.5
Management	8.5
Balance Sheet	7.0
Profitability	6.5
Revenue Growth	4.5
Risk Assessment	8.5
Competitive Moat	9.0
Earnings Quality	6.0
Capital Efficiency	7.5