Stock · JKHY · Technology
United States · Large Cap · listed since 1985 · Revenue 12 mo. $2.6B
Price as of 11/06/2026
Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services in the United States.
Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate Services. The Core segment provides core information processing platforms to banks and credit unions, which consists of integrated applications required to process deposit, loan, general ledger transactions, and maintain centralized accountholder information. The Payments segment offers secure payment processing tools and services, including ATM, money movement and embedded payment capabilities, remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions. The Complementary segment provides software, and hosted processing platforms and services comprising digital/mobile banking, treasury, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate Services segment offers hardware and other products. It offers specialized financial performance, imaging and payment, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. The company also provides SilverLake system, a system primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks; and Symitar, a system designed for credit unions. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and services; and data and transaction processing, and software licensing and related services, as well as professional services. The company was founded in 1976 and is headquartered in Monett, Missouri.
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Summary
67.1 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
If free cash flow stays at €623.6M (2026), it supports €6.9B. The remaining €3.9B of the market value assume it grows 6.3% a year for 10 years and not at all afterwards.
Required FCF growth per year
6.3%
no growth afterwards
Price to operating cash flow 15.2×, below its usual range.
Middle half of 20 quarters: 20.0× to 26.5×, median 24.6×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
with respect to the priced-in expectation
No anomaly in the stored figures.
Since the last quarter
Q2 → Q3 2026
6 more unchanged: Revenue, 12 mo., FCF, 12 mo., Gross margin, EBIT margin, FCF margin, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 24.50% | 14.60% | Rank 71 |
| Return on capital (Greenblatt) | 193.48% | 29.77% | Rank 92 |
| EBIT margin | 24.29% | 17.40% | Rank 69 |
| FCF margin | 27.84% | 18.54% | Rank 79 |
| Gross margin | 43.12% | 48.47% | Rank 40 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 5.10% | 12.70% | Rank 23 |
| Earnings growth, 3 years per year | 11.64% | 9.54% | Rank 55 |
| Earnings growth, 5 years per year | 11.13% | 14.07% | Rank 38 |
| Sustainable growth (ROE × retained earnings) | 2.69% | 2.87% | Rank 47 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 4.03% | 2.64% | Rank 69 |
| FCF yield | 5.76% | 3.06% | Rank 78 |
| EV/saleslower is better | 4.85 | 5.18 | Rank 53 |
| EV/EBITlower is better | 19.96 | 26.24 | Rank 64 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | −3.38% | −0.59% | Rank 45 |
| Share price, 6 months | 19.26% | −4.46% | Rank 76 |
| Share price, 3 months | 16.21% | −5.84% | Rank 86 |
| Distance from 52-week high | −10.06% | −33.23% | Rank 85 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | 0.60% | 1.65% | Rank 55 |
| Change in share countlower is better | −1.37% | −0.17% | Rank 72 |
| Dividend streak in years | 32 | 8 | Rank 100 |
| Price reaction to results, market-adjusted | 9.07% | −1.57% | Rank 89 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 65.23% | 53.98% | Rank 73 |
| Net debt/EBITDAlower is better | 0.03 | −0.20 | Rank 44 |
| Debt to equitylower is better | 0.02 | 0.33 | Rank 88 |
| Volatility, 1 yearlower is better | 31.60% | 50.37% | Rank 91 |
Ten years in figures
| Year | Revenue, $B | EBIT margin | FCF, $M | Shares | Net debt, $M |
|---|---|---|---|---|---|
| 2017 | 1.4 | 25.7% | 315.4 | 78.3M | −64.8 |
| 2018 | 1.5 | 25.5% | 372.0 | 77.6M | −31.4 |
| 2019 | 1.6 | 22.4% | 377.5 | 77.3M | −31.4 |
| 2020 | 1.7 | 22.4% | 333.0 | 76.9M | −213.0 |
| 2021 | 1.8 | 22.7% | 304.3 | 75.7M | 66.3 |
| 2022 | 1.9 | 24.4% | 313.2 | 73.5M | 262.8 |
| 2023 | 2.1 | 23.1% | 174.6 | 73.1M | 262.8 |
| 2024 | 2.2 | 22.1% | 509.9 | 73.0M | −102.0 |
| 2025 | 2.4 | 23.9% | 588.1 | 73.0M | −102.0 |
| 2026 | 2.5 | 24.3% | 694.9 | 72.0M | 27.9 |
4 of 7 StockScorer Score rules met · How the score is built
Jack Henry & Associates Inc mainly meets criteria in the Profitability category. Result from 18 strategies checked.
Jack Henry & Associates Inc is rated here with the StockScorer Score strategy, the flagship rule set. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
4 of 7 rules met
7 of 11 points
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Jack Henry & Associates Inc.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 24.8 | 35.1 |
| P/B ratio | 6.1 | 5.5 |
| Return on equity (ROE) | 24.5% | 14.6% |
| Equity ratio | 65.2% | 54.0% |
| Debt-to-equity (D/E) | 0.02 | 0.33 |
| Dividend yield | 1.4% | 0.9% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| JKHY | Jack Henry & Associates Incthis page | |
| IT | Gartner Inc | Low4.5 |
| CACI | CACI International Inc | locked |
| FIS | Fidelity National Information Services Inc | Medium5.5 |
| LDOS | Leidos Holdings Inc | locked |
| CDW | CDW Corp | locked |
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Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
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