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JKHY stock logo

JKHY

Jack Henry & Associates, Inc.

$157.48
1.85
 (1.19%)
Exchange:  NASDAQ
Market Cap:  11.398B
Shares Outstanding:  54.436M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Information Technology Services
   
CEO:  Gregory R. Adelson
Full Time Employees:  7170
Address: 
663 West Highway 60
Monett
MO
65708
US
Website:  https://www.jackhenry.com
Jack Henry & Associates, Inc. provides technology solutions and payment processing services primarily for financial services organizations in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutions under the Jack Henry Banking brand; core data processing solutions for various credit unions under the Symitar brand; and specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial institutions and corporate entities under the ProfitStars brand. It also provides a suite of integrated applications required to process deposit, loan, and general ledger transactions, as well as to maintain centralized customer/member information; and complementary products and services that enable core bank and credit union clients to respond to evolving customer/member demands. The company’s Jack Henry Banking business brand offers SilverLake, a robust primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven, easy-to-use system for banks; and Core Director, a cost-efficient system with point-and-click operation. Its Symitar business brand provides Episys, a robust designed for credit unions. In addition, the company offers digital products and services and electronic payment solutions; purchases and resells hardware systems, including servers, workstations, scanners, and other devices; and provides implementation, training, and support services. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/02/05 — 2 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue2,077,7022,215,5432,375,288
Gross Profit858,640916,0661,014,541
EBITDA680,373714,307801,225
Operating Income480,688489,391568,715
Net Income366,646381,816455,748

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,773,8262,924,4813,043,970
Total Liabilities1,165,3161,082,117913,138
Total Stockholders Equity1,608,5101,842,3642,130,831.999
Total Debt325,269209,6040
Cash and Cash Equivalents12,24338,284101,953

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Cash Flow Statement

Year202320242025
Operating Cash Flow381,559568,041641,504
Capital Expenditure-206,984-232,423-53,358
Free Cash Flow174,575335,618588,146
Net Income366,646381,816455,748
Net Change in Cash-36,54426,04163,669

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)2,853,347.480Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)2,855,034.980Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)2,854,191.230Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)981,094.733Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)981,674.963Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)981,384.848Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)542,688.565Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)595,490.605Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)548,775.650Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)329,172.744Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)329,367.420Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)329,270.082Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)7.770Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)8.150Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)7.430Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)8Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)7Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
2.216B  ?P/S
 (TTM)
: 
4.52
?Net Income
 (TTM)
: 
381.816M  ?P/E
 (TTM)
: 
21.99
?Enterprise Value
 (TTM)
: 
11.23B  ?EV/FCF
 (TTM)
: 
17.16
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.33
?ROE
 (TTM)
: 
0.24  ?ROIC
 (TTM)
: 
0.18
?Net Debt
 (TTM)
: 
180.039M  ?Debt/Equity
 (TTM)
: 
0.05
?P/B
 (TTM)
: 
5.06  ?Current Ratio
 (TTM)
: 
1.38

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
23.50Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates JKHY intrinsic value between $67.63 – $177.87 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate JKHY Intrinsic Value

Common questions about JKHY valuation

Is Jack Henry & Associates, Inc. (JKHY) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Jack Henry & Associates, Inc. (JKHY) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is JKHY a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether JKHY trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is JKHY’s P/E ratio?

You can see JKHY’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for JKHY?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is JKHY a good long-term investment?

Whether JKHY fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

JKHY

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.19
MARKETSnap

Trading Metrics:

Open: 155.3   Previous Close: 155.63
Day Low: 154.26   Day High: 160.29
Year Low: 144.12   Year High: 193.39
Price Avg 50: 166.51   Price Avg 200: 168.32
Volume: 996562   Average Volume: 1.041M

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See in Nexus

Relevant news

Argo Wealth Advisory LLC Buys New Stake in Jack Henry & Associates, Inc. $JKHY
17-04-2026 03:27
Argo Wealth Advisory LLC Buys New Stake in Jack Henry & Associates, Inc. $JKHY
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Jack Henry & Associates, Inc. (NASDAQ:JKHY) Receives Average Rating of “Moderate Buy” from Brokerages
23-03-2026 02:56
Jack Henry & Associates, Inc. (NASDAQ:JKHY) Receives Average Rating of “Moderate Buy” from Brokerages
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23-03-2026 02:40
Head-To-Head Review: Jack Henry & Associates (NASDAQ:JKHY) and American Noble Gas (NYSE:INFY)
Jack Henry & Associates, Inc. (JKHY) Presents at Wolfe Research FinTech Forum Transcript
11-03-2026 17:12
Jack Henry & Associates, Inc. (JKHY) Presents at Wolfe Research FinTech Forum Transcript
Jack Henry (JKHY) Down 3.1% Since Last Earnings Report: Can It Rebound?
05-03-2026 12:36
Jack Henry (JKHY) Down 3.1% Since Last Earnings Report: Can It Rebound?

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