JKHY
Jack Henry & Associates
$123.42
▼ 2.2%Updated Today 6:01 PM ET
▼ Down 30.4% over the last 12 months
Market Cap
$8.97B
P/E
17.27x
Forward P/E (est.)
14.19x
ROE
24.0%
Revenue Growth
8.4%
EPS Growth
21.7%
Profit Margin
20.6%
FCF Yield
5.9%
Debt / Equity
0x
ROIC
21.0%
Interest Coverage
37.73x
Current Ratio
1.74x
Dividend Yield
1.9%
Implied Growth (rev. DCF)
2.3%
Rating Score
74/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what JKHY's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. JKHY trades near $123.42, below its 50-day average ($142.55) and 200-day average ($160.77). Price below both averages is a downtrend — momentum is against buyers for now.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 31 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. JKHY's is $4.33 (~3.5% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month JKHY found buyers near $123.56 (support) and sellers near $142.05 (resistance); its 52-week range is $123.56–$193.39. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.0× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Jack Henry & Associates (JKHY) is a mid-cap company in the Transaction & Payment Processing Services industry, part of the Financials sector of the S&P 500, with a market value around $8.97B.
In its latest reported year it generated about $2.38B in revenue and $455.75M in net profit.
Our model rates JKHY Strong (74/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
7.8%
Revenue moved from $1.76B in 2021 to $2.38B in 2025, a 7.8% compound annual growth rate. The most recent year grew a steady 8.4% year over year. Slower, mature growth is common for established businesses.
Gross Margin
44.1%
Operating Margin
23.9%
Net Margin
19.2%
ROE
24.0%
Jack Henry & Associates keeps about 20.6% of each sales dollar as net profit, with a 44.1% gross margin and 23.9% operating margin. Return on equity is 24.0% and return on invested capital about 21.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$0.00
Net Debt
-$20.57M
Net cash position
Net Debt / EBITDA
-0.04x
Debt / Equity
0x
Leverage: debt-to-equity is 0.0x, and operating profit covers interest about 37.7x, with a current ratio of 1.7x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $0.00 of total debt against $20.57M of cash.
Operating CF
$641.50M
Free Cash Flow
$588.15M
FCF Margin
24.8%
In the latest year Jack Henry & Associates produced about $641.50M of operating cash flow and $588.15M of free cash flow after capital spending. That is a free-cash-flow yield of about 5.9% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
17.27x
P/S
3.87x
P/B
6.01x
EV / EBITDA
—
JKHY trades at 17.3x trailing earnings (about 14.2x on estimated forward earnings), 3.9x sales, and 6.0x book value. Reverse-engineering today's price implies the market expects roughly 2.3% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How JKHY stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), JKHY ranks #12 of 76 by our overall rating. It trades at roughly in line versus the sector on earnings (17.3x P/E vs. 15.2x median) with a higher return on equity (24.0% vs. 15.3%) and slower revenue growth (8.4% vs. 9.1%).
P/E vs sector
17.3x
median 15.2x
ROE vs sector
24.0%
median 15.3%
Growth vs sector
8.4%
median 9.1%
Sector rank
#12
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$93.33 – $158.66
vs. $123.42 today · expected CAGR -5% – 5%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $2.57B | $2.77B | $2.99B | $3.23B | $3.49B |
| Net income | $487.41M | $526.40M | $568.51M | $614.00M | $663.11M |
| EPS | $6.86 | $7.41 | $8.00 | $8.64 | $9.33 |
| Share price (low) | $68.60 | $74.09 | $80.02 | $86.42 | $93.33 |
| Share price (high) | $116.62 | $125.95 | $136.03 | $146.91 | $158.66 |
| CAGR (low–high) | -44% / -6% | -23% / 1% | -13% / 3% | -9% / 4% | -5% / 5% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for JKHY:
- High net margins (20.6%) point to pricing power or efficiency.
- Strong return on equity (24.0%) shows capital is put to work well.
- Healthy free-cash-flow yield (~5.9%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.0x) lowers risk.
- Our model's overall read is Strong (74/100).
The case against JKHY:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Jack Henry & Associates is a mid-cap financials business growing at a mature pace, with solid profitability, and a sound balance sheet. It trades at 17.3x earnings, which our model scores Strong (74/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.