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JKHY stock logo

JKHY

Jack Henry & Associates, Inc.

$169.64
-2.75
 (-1.6%)
Exchange:  NASDAQ
Market Cap:  12.053B
Shares Outstanding:  54.436M
Delayed data
Calculate JKHY Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Information Technology Services
   
CEO:  Gregory R. Adelson
Full Time Employees:  7300
Address: 
663 Highway 60
Monett
MO
65708-8215
US
Website:  https://www.jackhenry.com
Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist 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, automated clearing house origination and 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 and Other 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; Symitar, a system designed for credit unions; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and service solutions; data center solutions; 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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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.

2025/11/05 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202420252026
Revenue2,215,5432,375,2882,496,316
Gross Profit916,0661,014,5411,076,310
EBITDA714,307801,225819,477
Operating Income489,391568,715606,236
Net Income381,816455,748502,776

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(* All numbers are in thousands)

Balance Sheet

Year202420252026
Total Assets2,924,4813,043,9703,145,711
Total Liabilities1,082,117913,138412,472
Total Stockholders Equity1,842,3642,130,831.9992,051,949
Total Debt209,604040,000
Cash and Cash Equivalents38,284101,95312,056

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(* All numbers are in thousands)

Cash Flow Statement

Year202420252026
Operating Cash Flow568,041641,504761,960
Capital Expenditure-232,423-53,3580
Free Cash Flow335,618588,146761,960
Net Income381,816455,748502,776
Net Change in Cash26,04163,6690

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)3,049,808.097Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)3,092,847.269Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)3,071,406.250Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)1,007,161.340Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)1,021,374.494Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)1,014,293.863Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)632,781.054Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)655,458.749Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)644,119.902Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)360,052.887Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)365,133.986Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)362,602.712Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)8.970Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)9.100Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)8.780Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)6Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)5Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
2.216B  ?P/S
 (TTM)
: 
4.64
?Net Income
 (TTM)
: 
381.816M  ?P/E
 (TTM)
: 
23.81
?Enterprise Value
 (TTM)
: 
11.837B  ?EV/FCF
 (TTM)
: 
17.03
?Dividend Yield
 (TTM)
: 
1.43%  ?Payout Ratio
 (TTM)
: 
33.89%
?ROE
 (TTM)
: 
23.49%  ?ROIC
 (TTM)
: 
0%
?Net Debt
 (TTM)
: 
180.039M  ?Debt/Equity
 (TTM)
: 
0.02
?P/B
 (TTM)
: 
5.84  ?Current Ratio
 (TTM)
: 
0

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Forward P/E Ratios

?

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

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
24.80Research AccessResearch AccessResearch AccessResearch 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.

[intrinsic_calculator]

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

-1.6
MARKETSnap

Trading Metrics:

Open: 171.98   Previous Close: 172.39
Day Low: 169.26   Day High: 173.77
Year Low: 121.04   Year High: 193.39
Price Avg 50: 149.33   Price Avg 200: 159.8
Volume: 661406   Average Volume: 1.357M

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See in Nexus

Relevant news

Richard Preece Appointed to Jack Henry Board of Directors
24-08-2026 16:30
Richard Preece Appointed to Jack Henry Board of Directors
Jack Henry Analysts Increase Their Forecasts After Upbeat Q4 Results
20-08-2026 13:05
Jack Henry Analysts Increase Their Forecasts After Upbeat Q4 Results
Jack Henry & Associates, Inc. (JKHY) Q4 2026 Earnings Call Transcript
19-08-2026 16:31
Jack Henry & Associates, Inc. (JKHY) Q4 2026 Earnings Call Transcript
Jack Henry & Associates: One Of The Lowest Valuations In Years
19-08-2026 10:21
Jack Henry & Associates: One Of The Lowest Valuations In Years
Fintech Jack Henry beats quarterly estimates on strong demand
18-08-2026 17:09
Fintech Jack Henry beats quarterly estimates on strong demand
Jack Henry & Associates, Inc. Reports Fourth Quarter and Full Year Fiscal 2026 Results
18-08-2026 16:35
Jack Henry & Associates, Inc. Reports Fourth Quarter and Full Year Fiscal 2026 Results

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