Jack Henry & Associates Inc (JKHY)
Financials · Transaction & Payment Processing Services · US stock · S&P 500 component
$153.19
▼ -3.28 (2.10%)
Fair valueFair
$199 +29.8% to fair value
$99fair band $139–$259$298
Day's range
$150.71 – $158.51
52-week range
$120.60 – $191.13
About Jack Henry & Associates Inc
Jack Henry and Associates provides core processing software and payment technology to community banks and credit unions in the United States. Its offerings include account processing systems, digital banking, card and electronic payment services, and fraud and risk tools. Revenue is largely recurring, coming from multi-year service agreements and fees for processing and support, supplemented by software licences and hardware sales.
The figures show revenue of $2.5 billion for the last twelve months and three-year growth of 7.0% a year. It reports an operating margin of 25.0%. Capital is used to generate a return on invested capital of 23%. Leverage, measured as net debt to EBITDA, is 0.1 times. The company pays a dividend with a yield of 1.6%. The site's X-Ray Score for the company is 61 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $120.60 – $191.13Volume 1,121,100Daily, split-adjusted
Vitals
Market cap$11.0B
52-week range$120.60 – $191.13
Volume (last day)1,121,100
P/E (TTM)22.0
EBIT / EV yield5.7%
Free-cash-flow yield6.3%
Dividend yield1.6%
Revenue (TTM)$2.5B
Net income (TTM)$503M
Operating margin25.0%
Return on capital23.1%
Debt incl. leases$78M
Cash & securities$12M
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$199model spread $170 – $211
Fair
+29.8% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $153
Undervalued < $139Fair $139 – $259Overvalued > $259
10-year DCF (market-scaled)
$309
Peer multiples
$99
Earnings power floor (not blended)
$99
Fundamentals-adjusted multiple
$189
Growth the price implies
2.9%/yr
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Strong business at a fair price
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Fair
60/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield5.7%
Free-cash-flow yield6.3%
Fair value vs price1.3×
Growth
Fair
57/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)7.0%
EPS growth (3y)11.6%
Growth consistency100%
Profitability
Strong
77/100
Earns high returns on the capital it uses.
See the numbers →
Return on invested capital23.1%
Operating margin25.0%
Gross profitability35.3%
Financial health
Strong
71/100
Balance sheet looks strong: debt is well covered.
See the numbers →
Piotroski F-Score7 / 9
Net debt / EBITDA0.1×
Interest coverNo interest cost
Dividends
Fair
51/100
Dividend is typical for its sector.
See the numbers →
Dividend yield1.6%
Dividends vs free cash flow25%
Dividend growth5.0%
Quarterly results: last 6 quarters
+8.6%
Mar '25
+9.9%
Jun '25
+7.3%
Sep '25
+7.9%
Dec '25
+8.7%
Mar '26
+4.7%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $644M.
Compare with peers
PYPL PayPal Holdings, Inc.65 MA Mastercard Inc60 CPAY Corpay, Inc.54 FISV Fiserv Inc49Other Transaction & Payment Processing Services companies by X-Ray Score.
Fundamentals checklist
● 10 Good · ● 5 Average · ● 1 BadCash quality
Earnings backed by cashGood
Free-cash-flow yieldAverage
Risk models
Altman Z''Good
Piotroski F-ScoreAverage
Growth
EPS growth (3y)Average
Free-cash-flow growth (3y)Good
Revenue growth (3y)Average
Growth consistencyGood
Balance sheet
Current ratioGood
Net debt / EBITDAGood
Interest coverGood
Valuation
Fair value vs priceGood
EBIT / EV yieldBad
Profitability
Return on invested capitalGood
Operating marginAverage
Gross profitabilityGood
Each check is graded against the company's sector, not a fixed number. Checklist score 66/100.
Financials
| FY22 | FY23 | FY24 | FY25 | FY26 | |
|---|---|---|---|---|---|
| Revenue | $1.9B | $2.1B | $2.2B | $2.4B | $2.5B |
| Operating income | $475M | $481M | $489M | $569M | $635M |
| Net income | $363M | $367M | $382M | $456M | $503M |
| Operating cash flow | $505M | $382M | $568M | $642M | $762M |
| Operating margin | 24.4% | 23.1% | 22.1% | 23.9% | 25.0% |
| Free cash flow | $470M | $342M | $510M | $588M | $695M |
| Diluted EPS | $4.94 | $5.02 | $5.23 | $6.24 | $6.98 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bullish
8 bullish · 3 neutral · 5 bearish
Weekly
Bearish
4 bullish · 1 neutral · 7 bearish
Monthly
Strongly bearish
1 bullish · 1 neutral · 6 bearish
Moving averages (daily)
| SMA 10 | 150.1 | Bullish |
| EMA 10 | 151.5 | Bullish |
| SMA 20 | 148.5 | Bullish |
| EMA 20 | 151.2 | Bullish |
| SMA 50 | 156.1 | Bearish |
| EMA 50 | 152.5 | Bullish |
| SMA 100 | 148.5 | Bullish |
| EMA 100 | 152.3 | Bullish |
| SMA 200 | 154.9 | Bearish |
| EMA 200 | 154.3 | Bearish |
Oscillators (daily)
| RSI (14) | 52.65 | Neutral |
| MACD (12, 26) | -0.58 | Bearish |
| Momentum (12) | 6.95 | Bullish |
| Stochastic %K (14) | 65.02 | Neutral |
| Williams %R (14) | -34.98 | Neutral |
| CCI (20) | 112.5 | Bearish |
Pivot points (classic, last session)
S3 142.0 | S2 146.3 | S1 149.8 | Pivot 154.1 | R1 157.6 | R2 161.9 | R3 165.4 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
2.41 USD
Yield on today's price
1.57%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 4 Sep 2026 | 0.6100 |
| 1 Jun 2026 | 0.6100 |
| 5 Mar 2026 | 0.6100 |
| 2 Dec 2025 | 0.5800 |
| 5 Sep 2025 | 0.5800 |
| 29 May 2025 | 0.5800 |
| 6 Mar 2025 | 0.5800 |
| 2 Dec 2024 | 0.5500 |
| 6 Sep 2024 | 0.5500 |
| 28 May 2024 | 0.5500 |
| 7 Mar 2024 | 0.5500 |
| 30 Nov 2023 | 0.5200 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
JKHY SEC filings
2 Oct 2026
DEF 14ASEC EDGAR
Proxy statement
28 Aug 2026
10-KSEC EDGAR
Annual report
24 Aug 2026
8-KSEC EDGAR
Director or officer change
18 Aug 2026
8-KSEC EDGAR
Results of operations
11 Aug 2026
8-KSEC EDGAR
Results of operations
4 Jun 2026
8-KSEC EDGAR
Director or officer change; Regulation FD disclosure
12 May 2026
8-KSEC EDGAR
Other events
7 May 2026
10-QSEC EDGAR
Quarterly report
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.