JKHY
Jack Henry & Associates
$156.82
▼ 0.1%Updated Today 11:30 AM ET
JKHY at a glance — five pillars scored 0–100 from real filed financials.
Overall: Strong · 74/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▼ Down 30.4% over the last 12 months
Market Cap
$10.44B
P/E
21.46x
Forward P/E (est.)
17.63x
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)
3.2%
Rating Score
74/100
Jack Henry & Associates (JKHY) is a large-cap company in the Transaction & Payment Processing Services industry, part of the Financials sector of the S&P 500, with a market value around $10.44B.
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.
Evidence of durable competitive advantage in the filed financials (9 years of history).
The filed history looks like a business competitors struggle to attack: high and steady margins, revenue that grows through cycles, and strong returns on capital.
23.1% average over the last 3 years
±0.9 pts around 23.3% across 9 years
grew in 8 of the last 8 year-over-year periods
positive in 9 of 9 years
21.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
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 $156.82, around its 50-day average ($138.51) and 200-day average ($159.37). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
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 77 it is overbought — the recent rally is stretched and can cool off.
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 $4.87 (~3.1% 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 $121.04 (support) and sellers near $147.61 (resistance); its 52-week range is $121.04–$193.39. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.6× the 20-day average — lighter than usual, so the move carries less conviction. 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.
4Y CAGR
7.8%
Revenue moved from $1.39B in 2017 to $2.38B in 2025, a 6.9% 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.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
1.9%
Per share (latest FY)
$2.26
Total paid (latest FY)
$164.64M
History on record
9 years
dividend uses 28% of free cash flow
36% of net income paid out
total dividends increased 8 years in a row
no cuts in the last 9 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
21.46x
P/S
3.87x
P/B
7.47x
EV / EBITDA
—
JKHY trades at 21.5x trailing earnings (about 17.6x on estimated forward earnings), 3.9x sales, and 7.5x book value. Reverse-engineering today's price implies the market expects roughly 3.2% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$182.40
Current price
$156.82
Starting FCF (latest 10-K)
$588.15M
Growth, years 1–5
8.4%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where JKHY sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. 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 (289 S&P 500 companies), JKHY ranks #24 of 289 by our overall rating. It trades at a premium versus the sector on earnings (21.5x P/E vs. 15.8x median) with a higher return on equity (24.0% vs. 13.6%) and slower revenue growth (8.4% vs. 15.9%).
P/E vs sector
21.5x
median 15.8x
ROE vs sector
24.0%
median 13.6%
Growth vs sector
8.4%
median 15.9%
Sector rank
#24
of 289 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 289 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)
$0.00 – $0.00
vs. $156.82 today · expected CAGR -4% – 6%
| 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 | $7.32 | $7.91 | $8.54 | $9.23 | $9.97 |
| Share price (low) | $95.22 | $102.84 | $111.07 | $119.95 | $129.55 |
| Share price (high) | $153.82 | $166.13 | $179.42 | $193.77 | $209.27 |
| CAGR (low–high) | -39% / -2% | -19% / 3% | -11% / 5% | -6% / 5% | -4% / 6% |
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 large-cap financials business growing at a mature pace, with solid profitability, and a sound balance sheet. It trades at 21.5x earnings, which our model scores Strong (74/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 22 Wall Street analysts covering JKHY recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
JKHY's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
JKHY — frequently asked questions
Is JKHY a good stock to buy?
We don't give buy or sell advice. Our model rates Jack Henry & Associates Strong (74/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is JKHY's rating on The Stocks School?
Jack Henry & Associates currently scores 74/100 (Strong) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does JKHY's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Jack Henry & Associates's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for JKHY calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this JKHY analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell JKHY. Always do your own research and consider a licensed professional.
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.