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Jack Henry & Associates, Inc. JKHY

Technology — Information Technology Services
S&P 500 Member Dividend Aristocrat Cash Flow Champion (3y) Insider Buys (last 12m)
Indexes indicate stock being part of an index ,
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.32
Total sells
3.53
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — 2 — — — —
Sell — 1 1 — — — — — — — — —
Insider Ownership
3.03%

Capital & Financial Ratios

Market Cap
10,950.00
Revenue
2,544.34
Net Income
502.78
Free Cash Flow
539.33
Net Debt
27.94
Current Ratio
1.17
Debt/Equity
0.02
P/E ratio
22.22
P/S ratio
4.37
P/B ratio
5.42
Past 5Y EPS Growth
8.27%
This Y EPS Growth
5.48%
Next Y EPS Growth
9.37%
Next 5Y EPS Growth
8.42%
in millions of $

Dividends

Payout Ratio
0.40
Annual Dividend Rate
2.05
Annual Dividend Yield
1.21%
total individual payouts
2029 ‡‡‡‡‡
2028 ‡‡‡‡‡
2027 ‡‡‡‡
2026 2.39
—
—
—
2025 2.32
—
—
—
—
2024 2.75
—
—
—
—
—
2023 2.08
—
—
—
—
2022 1.96
—
—
—
—
2021 1.84
—
—
—
—
2020 1.72
—
—
—
—
2019 1.60
—
—
—
—
2018 1.48
—
—
—
—
2017 1.24
—
—
—
—
2016 1.12
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 2026
Cash 12.24 38.28 101.95 12.06
Receivables 368.78 339.18 317.98 356.01
Inventory — — — —
Other 142.00 — 5.61 9.17
627.96 632.02 681.46 649.10
2023 2024 2025 2026
Payables 19.16 25.31 28.19 34.94
ST’ Debt 10.00 90.00 — —
Other 495.00 — — —
523.76 633.81 535.78 556.24
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Sep Dec Mar Jun Year
’26 — — — —
—
’26 644.74 619.33 636.25 644.02
2,544.34
’25 600.98 573.85 585.09 615.37
2,375.29
’24 571.37 545.70 538.56 559.91
2,215.54
’23 529.20 505.31 508.55 534.63
2,077.70
’22 488.06 493.90 478.26 482.67
1,942.88
’21 451.80 422.36 433.78 450.29
1,758.23
in millions of $

Operating Cash Flow

Sep Dec Mar Jun Year
’26 — — — —
—
’26 120.59 152.66 186.03 302.67
761.96
’25 116.90 89.65 107.85 327.11
641.50
’24 157.14 81.53 97.57 231.80
568.04
’23 136.83 53.88 16.32 174.53
381.56
’22 106.55 90.80 104.05 203.23
504.63
’21 114.48 79.51 72.33 195.81
462.13
in millions of $

Free Cash Flow

Sep Dec Mar Jun Year
’26 — — — —
—
’26 69.48 102.86 121.90 245.09
539.33
’25 59.16 28.58 51.33 271.27
410.34
’24 105.76 22.07 45.05 163.64
336.52
’23 89.97 1.29 (37.05) 148.30
202.51
’22 60.08 36.18 60.07 156.95
313.29
’21 83.29 34.09 32.21 160.89
310.48
in millions of $

EPS

Sep Dec Mar Jun Year
’26 — — — —
—
’26 1.97 1.72 1.71 1.57
6.98
’25 1.63 1.34 1.52 1.75
6.24
’24 1.39 1.26 1.19 1.38
5.23
’23 1.46 1.10 1.12 1.34
5.02
’22 1.38 1.30 1.16 1.10
4.94
’21 1.19 0.94 0.95 1.04
4.12

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

2
1
Buy
2
3
Hold
4
5
Sell
2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 155.44 136.57 157.00 144.12 121.04 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 212.62 184.19 189.63 196.00 193.39 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6,847 7,120 7,170 7,240 7,300 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.28 0.29 0.31 0.33 0.35 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,942.88 2,077.70 2,215.54 2,375.29 2,544.34 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 41.91% 41.33% 41.35% 42.71% 43.65% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 472.27 474.57 498.02 586.04 652.79 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 24.31% 22.84% 22.48% 24.67% 25.66% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 362.92 366.65 381.82 455.75 502.78 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 177.62 190.73 199.90 204.75 213.24 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 26.50 28.49 30.41 32.59 35.40 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 4.94 5.02 5.23 6.24 6.98 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.88 5.23 7.80 8.80 10.60 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2.61) (2.46) (3.18) (3.17) (3.10) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.27 2.78 4.62 5.63 7.50 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18.84 22.06 25.28 29.24 28.55 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 73.32 72.92 72.87 72.87 71.87 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 36.44 33.33 31.32 28.87 19.76 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.79 5.87 5.38 5.53 3.89 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.55 7.59 6.47 6.16 4.82 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.83 6.00 5.43 5.56 3.94 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 42.38 61.60 35.73 32.16 18.57 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 504.63 381.56 568.04 641.50 761.96 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (191.34) (179.04) (231.52) (231.16) (222.63) ‡‡‡‡‡ — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 313.29 202.51 336.52 410.34 539.33 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 69.69 104.20 (1.80) 145.68 92.86 — — —
Working Cap'
‡‡‡‡‡ — — ‡‡‡‡‡ ‡‡‡‡‡ 126.00 285.00 150.00 — 40.00 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 77.21 272.76 111.72 (101.95) 27.94 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,381.62 1,608.51 1,842.36 2,130.83 2,051.95 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.15% 14.02% 13.40% 15.27% 16.25% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 20.33% 15.97% 15.65% 17.52% 19.08% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 26.87% 24.52% 22.13% 22.94% 24.04% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Jack Henry & Associates (JKHY) exemplifies resilience in fintech, serving community banks and credit unions with core processing, digital banking, and payments solutions that have driven steady growth through market upheavals—from digital acceleration in 2016-2019, COVID pivots, to 2023’s regional bank crises. Revenue surged 54% from $1.35 billion in 2016 to $2.08 billion in 2023 (7% CAGR), with efficiency gains evident in revenue per employee rising 26%. Projections signal continued momentum: 7% growth to $2.22 billion in 2024, scaling to $2.86 billion by 2028, bolstered by 90%+ customer retention, strategic acquisitions like Banno and Payrailz, and innovations in AI and embedded finance.

Profitability remains robust, with EBT margins steady at 22-25%, EPS climbing 68% to $5.23 in 2024 and projected to $7.74 by 2028 (19% near-term surge), alongside ROE above 22% and FCF per share doubling from 2023 lows. The balance sheet is fortress-like—low debt, net cash position by 2025, and ROIC of 15-24%—enabling disciplined capital allocation for dividends, buybacks, and R&D in areas like FedNow payments and open banking.

Trading near annual lows with compressing valuations (PE to 20x by 2028, 31-40% analyst upside), JKHY presents a compelling entry amid insider routine sells but strong management alignment. Tailwinds from cloud migrations, AI upsells, and a $100B+ TAM in community banking digitization position it for a catch-up rally, offering defensive stability with explosive potential in fintech’s next phase.

Read full commentary →

Jack Henry & Associates, Inc. (JKHY) Latest News

News by impact score

Fine-tune

9 Sep

4 www.fool.com, 1:44 PM
Jack Henry's cloud-native platform delivers record core banking wins and supports a strong 2026 outlook. Record core banking wins from the cloud-native platform signal major strategic growth for Jack Henry.

8 Sep

3 , 8:30 AM
Celtic Bank selects Jack Henry & Associates to support its business banking operations and fintech technology stack. New bank client adds revenue and visibility but represents incremental rather than transformative growth for core operations.

4 Sep

3 , 9:34 AM
FIS launches embedded banking platform to strengthen ties with banks. FIS platform launch adds competitive pressure in core banking tech space shared with JKHY.

31 Aug

3 , 5:43 PM
Jack Henry & Associates issued a statement on its response to a cybersecurity incident. Cybersecurity incident response may affect customer trust and operational stability.

24 Aug

3 , 1:21 PM
Jack Henry (JKHY) reported Q2 earnings as part of payment processing stocks review. Q2 earnings release can moderately affect investor sentiment and short-term stock trajectory.

21 Aug

3 , 7:27 PM
Jack Henry beat earnings estimates. Faster payments strategy is assessed for potential to restore margin growth. Earnings beat signals short-term positivity while faster payments initiative may moderately influence margins.

3 , 8:10 AM
Jack Henry raised FY27 guidance, indicating JKHY stock may be 21% undervalued. Raised FY27 guidance signals improved long-term outlook with moderate effects on performance and sentiment.

20 Aug

3 , 9:12 PM
Jack Henry & Associates (JKHY) stock rose 5.9% after reporting strong FY 2026 results and 2027 guidance. Strong annual results and updated guidance directly affect near-term financial performance and market valuation.

3 , 4:27 PM
JKHY Q2 results show new client wins and AI investments supporting positive momentum. New client acquisitions and AI investments support moderately improved competitive positioning and operational outlook.

3 , 11:29 AM
RBC positions Jack Henry & Associates for mid-to-high single-digit growth. RBC growth forecast may lift near-term JKHY investor sentiment without altering core operations.

3 , 8:30 AM
Prevail Bank selects Jack Henry & Associates to differentiate through open ecosystem and AI innovation. Prevail Bank selection adds one client win in AI and open ecosystem but does not alter JKHY trajectory.

19 Aug

4 transcript , 5:01 PM
Jack Henry & Associates Inc reported record core wins during its Q4 2026 earnings call, highlighting strong performance in key segments. Record core wins signal major strategic gains that could significantly boost future revenue and market position.

4 www.marketbeat.com, 11:02 AM
Jack Henry & Associates Q4 earnings call covered financial results, revenue figures, EPS, and company guidance. Q4 earnings release and call directly affect stock price and investor outlook through reported metrics and forward guidance.

3 , 5:02 PM
Jack Henry & Associates shares surge after the company posts fiscal first-quarter revenue and earnings above analyst forecasts and raises its full-year guidance. Beat-and-raise quarter typically lifts near-term sentiment and valuation but does not alter long-term competitive position.

3 , 11:22 AM
Jack Henry & Associates reported Q4 earnings that beat expectations as revenues rose on growth in processing and cloud services. Q4 earnings beat with revenue growth in processing and cloud services points to improved financial results likely to affect near-term market sentiment.

3 transcript app.moby.co, 8:30 AM
Jack Henry & Associates, Inc. held its Q4 2026 earnings call, covering quarterly financial results, operational performance, and management outlook. Quarterly earnings calls typically provide financial metrics and guidance that moderately influence near-term stock performance and sentiment.

18 Aug

4 , 4:35 PM
Jack Henry & Associates reported fourth quarter and full year fiscal 2026 results. Quarterly and annual earnings releases deliver core financial data that typically drive immediate stock price moves and valuation shifts.

3 , 6:00 PM
Jack Henry & Associates reported Q4 earnings with analysis of key metrics including revenue, EPS, and operational figures that reflect company performance. Quarterly earnings and metrics offer moderate insight into financial results but represent routine updates unlikely to drive major long-term shifts.

3 , 4:54 PM
Jack Henry & Associates exceeded Q2 CY2026 sales expectations. Quarterly sales beat can lift near-term stock price and sentiment without shifting long-term strategy.

14 Aug

3 , 12:10 PM
Jack Henry (JKHY) could beat earnings estimates again on continued core growth and operational strength. Potential repeat earnings beat would lift near-term valuation and sentiment without altering long-term trajectory.

3 , 10:02 AM
Slow banking technology adoption provides Jack Henry & Associates a strategic edge by preserving demand for its core legacy systems and services amid gradual industry modernization. Delayed tech upgrades in banking sustain demand for JKHY legacy platforms and services, moderately strengthening its competitive positioning.

22 Jul

3 , 9:51 AM
AI worries weighed on Jack Henry & Associates (JKHY) during Q2. AI concerns in Q2 indicate moderately noticeable effects on JKHY market sentiment and performance.

2 Jul

4 , 12:04 PM
Jack Henry & Associates partners with GOOGL to advance AI cloud strategy, positioning JKHY for expanded cloud services and potential market growth. JKHY's role in advancing GOOGL AI cloud strategy marks major strategic expansion with significant growth potential.

25 Jun

4 PR Newswire, 11:30 AM
Jack Henry & Associates expands collaboration with Google Cloud to deliver AI-driven security solutions for banks and credit unions. Expanded Google Cloud tie-up adds AI security capabilities that strengthen JKHY positioning with banks and credit unions.

3 Simply Wall St., 7:08 AM
Jack Henry & Associates secures new regional bank contracts and advances hosted platforms, potentially altering its investment narrative and market positioning. New bank wins and hosted platform growth may moderately affect JKHY financials and competitive stance without fundamentally transforming long-term trajectory.

20 Jun

3 , 9:25 AM
Jack Henry & Associates (JKHY) is positioned attractively in the market due to its embedded payments technology. Embedded payments technology supports JKHY competitive positioning and may lift investor sentiment.

18 Jun

3 , 1:59 PM
RBC reports Jack Henry & Associates exhibits potential for accelerating long-term revenue growth and margin expansion. RBC positive outlook on JKHY growth and margins may moderately shift market sentiment and investor views.

16 Jun

3 , 1:48 PM
Flexi joins the Jack Henry Fintech Integration Network. Partnership expands JKHY fintech network with moderate growth implications.

11 Jun

3 , 9:03 AM
Aeropay will use Jack Henry & Associates embedded payments technology to expand its instant payment capabilities. Partnership expands JKHY technology adoption in payments without indicating major revenue or strategic shifts.

28 May

3 PR Newswire, 9:00 AM
Woodforest National Bank selects Jack Henry to power growth with a modern, integrated platform. Bank contract win supports moderate revenue and platform adoption for Jack Henry.
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