Pricing Log in Create free account
Friday 6 November 2026 Export JKHY’s income statement to Excel — free account

Jack Henry & Associates, Inc.

JKHY Technology Information Technology Services

Jack Henry & Associates, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $2.5 billion, up 7.12% from fiscal 2025.

Revenue
+8.81%
EPS
−10.3%
Free cash flow
−9.65%
Total debt
+112.5%

Quarter to September 2026, against a year earlier

180.46 1.30 +0.73%
Market cap
$12.6B
P/E
25.9×
Fwd P/E
21.8×
Dividend yield
1.34%
F-score
7/9
Altman Z
8.59
Beneish M
−2.79
Dividend safety
93/100
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

Revenue by segment Fiscal 2026

  • Payments
  • Core Segment
  • Complementary
  • Corporate Services

Every year since 2009 →

Insider Decisions last twelve months

Bought, $m 0.32
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 2 — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 3.06%

Capital & Financial Ratios $m

Size
Market Cap 12,640.00
Revenue ttm 2,601.15
Net income ttm 519.20
Free cash flow ttm 552.79
Net debt Q 59.64
Valuation
P/E 25.89
Forward P/E 21.80
Price / sales 4.99
Forward P/S Powerpack
Price / FCF 23.46
Price / book 6.32 (above 6: high)
Financial health
Current ratio Q 1.50 (at or above 1.5: strong)
Debt / equity Q 0.04 (at or below 0.5: strong)
Interest coverage Q 135.52
Growth
Revenue growth Q +8.81% (above 0%: growing)
Operating income growth Q +12.50% (above 0%: growing)
EPS, this year +7.04%
EPS, next year A +9.15%
Revenue, next year A +5.84%
EPS, past 5 yrs +11.12%
EPS, next 5 yrs A +8.95%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 5.0×, against a ten-year median of 6.1×; over the ten years it ranged from 3.9× in 2026 to 8.5× in 2018.
P/E against its own 10 years 10.78%
10-year low 10-year high
P/S against its own 10 years 13.71%
10-year low 10-year high
P/B against its own 10 years 14.12%
10-year low 10-year high
EV/Sales against its own 10 years 15.22%
10-year low 10-year high
EV/FCF against its own 10 years 8.36%
10-year low 10-year high

Dividends

Yield
1.34%
Annual rate
2.41
Payout ratio
33.1%
Growth, 2017–25
+8.15%/yr
  1. 1.24 ’17
  2. 1.48 ’18 +19
  3. 1.60 ’19 +8
  4. 1.72 ’20 +7
  5. 1.84 ’21 +7
  6. 1.96 ’22 +7
  7. 2.08 ’23 +6
  8. 2.75 ’24 +32
  9. 2.32 ’25 −16
  10. 2.39 ’26e +3
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2024 2025 2026 Q'26
Cash 38 102 12 25
Receivables 339 318 356 346
Inventory — — — —
Other — 6 9 —
632 681 649 371
2024 2025 2026 Q'26
Payables 25 28 35 247
ST’ Debt 90 — — —
Other — — — —
634 536 556 247

Compound Annual Growth %

10y 5y 3y
Sales 6.51% 7.67% 6.99%
Cash Flow 7.60% 10.52% 25.93%
Earnings 7.29% 10.05% 11.10%
Book Value 7.49% 9.24% 8.45%

Earnings Trends EPS, adjusted, against the consensus

Q1 FY27 Estimate 2.03 Actual 2.28

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY26 1.43 1.72 Beat by 0.29
Q3 FY26 1.43 1.71 Beat by 0.28
Q4 FY26 1.44 1.57 Beat by 0.13
Q1 FY27 2.03 2.28 Beat by 0.25
Q2 FY27 1.76 — Reports 2 February 2027

EPS $

Sep Dec Mar Jun Year
’26 2.28 — — — —
’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
Fiscal quarters ending in the months shown.

Revenue $m

Sep Dec Mar Jun Year
’26 702 — — — —
’26 645 619 636 644 2,544
’25 601 574 585 615 2,375
’24 571 546 539 560 2,216
’23 529 505 509 535 2,078
’22 488 494 478 483 1,943
’21 452 422 434 450 1,758
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 161 — — — —
’26 121 153 186 303 762
’25 117 90 108 327 642
’24 157 82 98 232 568
’23 137 54 16 175 382
’22 107 91 104 203 505
’21 114 80 72 196 462
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 83 — — — —
’26 69 103 122 245 539
’25 59 29 51 271 410
’24 106 22 45 164 337
’23 90 1 (37) 148 203
’22 60 36 60 157 313
’21 83 34 32 161 310
Fiscal quarters ending in the months shown.

Valuation

The price implies free cash flow after share-based pay growing 8.6% a year for ten years. It grew 9.5% a year over the last ten.

Implied
8.6%
10 years, reported
9.5%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

1.9
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to June

Ten-year view Analyst estimates Powerpack
Group Line 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 TTM Sep ’26 Trend 10 yrs 2027e 2028e 2029e Next 3/yr
Income, $m
Income, $m Revenue 1,388 1,471 1,553 1,697 1,758 1,943 2,078 2,216 2,375 2,544 2,601 +7.0% 2,693 2,882 3,086 +6.6%
Gross margin, % 41.95 41.99 40.55 40.58 39.52 41.91 41.33 41.35 42.71 43.65 43.83 +1.7 pt
EBT 341 356 347 381 398 472 475 498 586 653 673 +7.5%
EBT margin, % 24.56 24.22 22.36 22.45 22.62 24.31 22.84 22.48 24.67 25.66 25.88 +1.1 pt
Net income 230 365 272 297 311 363 367 382 456 503 519 +9.1%
Per share, $
Per share, $ Revenue 17.83 19.04 20.12 22.10 23.27 26.50 28.49 30.41 32.59 35.40 0.00 +7.9%
Earnings 3.14 4.85 3.52 3.86 4.12 4.94 5.02 5.23 6.24 6.98 6.97 +9.3%
Cash flow 4.59 5.34 5.59 6.65 6.12 6.88 5.23 7.80 8.80 10.60 0.00 +9.8%
Capex (1.89) (1.94) (2.21) (2.17) (2.01) (2.61) (2.46) (3.18) (3.17) (3.10) 0.00 +5.6%
Free cash flow 2.70 3.40 3.38 4.48 4.11 4.27 2.78 4.62 5.63 7.50 0.00 +12.0%
Book value 13.26 17.12 18.52 20.18 17.46 18.84 22.06 25.28 29.24 28.55 0.00 +8.9%
Shares, m 78 77 77 77 76 73 73 73 73 72 72 (0.9%)
Valuation, ×
Valuation, × P/E 35.39 28.16 38.76 47.68 39.69 36.44 33.33 31.32 28.87 19.76 25.89 33.9
P/S 5.83 6.86 6.78 8.33 7.03 6.79 5.87 5.38 5.53 3.89 4.99 6.2
P/B 7.84 7.63 7.37 9.12 9.36 9.55 7.59 6.47 6.16 4.82 6.32 7.6
EV/Sales 5.78 6.91 6.79 8.21 7.06 6.83 6.00 5.43 5.56 3.94 5.04 6.3
EV/FCF 38.18 38.71 40.46 40.48 39.98 42.38 61.60 35.73 32.16 18.57 23.73 38.8
Cash, $m
Cash, $m Operating cash flow 357 412 431 511 462 505 382 568 642 762 803 +8.8%
Capex (147) (150) (171) (166) (152) (191) (179) (232) (231) (223) (250) +4.7%
Free cash flow 210 263 260 344 310 313 203 337 410 539 553 +11.0%
Balance, $m
Balance, $m Working capital 49 23 99 174 23 70 104 (2) 146 93 124 +7.4%
Net debt (65) (31) (94) (201) 61 77 273 112 (102) 28 60 n/m
Shareholders’ equity 1,032 1,323 1,429 1,550 1,319 1,382 1,609 1,842 2,131 2,052 2,100 +7.9%
Returns, %
Returns, % ROA 12.33 18.52 12.89 12.86 13.07 15.15 14.02 13.40 15.27 16.25 16.63 +3.9 pt
ROIC 22.08 17.30 16.25 17.64 18.05 20.33 15.97 15.65 17.52 19.08 19.05 (3.0) pt
ROE 22.64 31.00 19.76 19.92 21.71 26.87 24.52 22.13 22.94 24.04 0.00 +1.4 pt
People
People Employees 5,972 6,307 6,402 6,717 6,714 6,847 7,120 7,170 7,240 7,300 — +2.3%
Revenue/emp, $m 0.23 0.23 0.24 0.25 0.26 0.28 0.29 0.31 0.33 0.35 — +4.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Jun 2026 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Business profile

Updated

Jack Henry & Associates sells technology and services primarily to community and regional banks and credit unions. Its core systems process deposits, loans and general ledger transactions while maintaining account-holder information. Institutions can install these systems themselves or use Jack Henry’s private cloud, where the company operates the processing infrastructure for them.

The company also sells products that can work with other providers’ core systems. These include digital and mobile banking, payment processing, fraud and risk management, account opening and business intelligence tools. A bank or credit union can buy individual products or use them alongside a Jack Henry core system. Jack Henry also provides implementation, data conversion, training and ongoing support.

Where the money comes from and where it goes Fiscal 2026

Fiscal 2026: revenue by segment, and margins
Payments 936 36.79%
Core Segment 768 30.20%
Complementary 752 29.56%
Corporate Services 88 3.45%
Gross margin 43.65%
Operating margin 24.96%
Pre-tax margin 25.66%

Revenue by segment since 2009

Jack Henry & Associates, Inc. vs peers in Information Technology Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BR Broadridge Financial Solutions, Inc. $21.4B 21.3× 19.4× +4.99% (above 0%: growing) −40.82% (below 0%: shrinking) +500.79% (above 0%: growing) 25.67% 10.40% Compare
WIT Wipro Limited $21.4B 18.2× — +1.02% (above 0%: growing) 0.00% +50.60% (above 0%: growing) 28.84% 16.42% Compare
CDW CDW Corporation $21.1B 18.6× 17.6× +17.73% (above 0%: growing) +11.55% (above 0%: growing) +24.62% (above 0%: growing) 20.51% 7.25% Compare
LDOS Leidos Holdings, Inc. $17.0B 12.0× 13.1× +3.60% (above 0%: growing) +16.05% (above 0%: growing) +67.40% (above 0%: growing) 17.71% 11.94% Compare
FIS Fidelity National Information Services, Inc. $15.4B 4.4× 5.8× +27.13% (above 0%: growing) +35.67% (above 0%: growing) +22.46% (above 0%: growing) 37.03% 19.11% Compare
CACI CACI International, Inc. $14.0B 24.7× 25.4× +8.17% (above 0%: growing) +4.06% (above 0%: growing) −2.66% (below 0%: shrinking) 35.44% 10.00% Compare
WSE WISE GROUP PLC $13.7B — — — — — — — Compare
IT Gartner, Inc. $13.1B 14.1× 16.8× −1.27% (below 0%: shrinking) +615.62% (above 0%: growing) +2.19% (above 0%: growing) 71.22% 18.68% Compare
JKHY Jack Henry & Associates, Inc. $12.6B 25.9× 21.8× +8.81% (above 0%: growing) −10.29% (below 0%: shrinking) −9.65% (below 0%: shrinking) 46.40% 29.52%
Median of peers $16.2B 18.2× 17.2× +4.99% +11.55% +24.62% 28.84% 11.94%

All 81 Information Technology Services stocks →

From the latest earnings call

Updated

  • Greg Adelson said Jack Henry’s sales momentum included competitive core wins and a greater share of deals combining core, digital banking and card solutions.
  • Mimi Carsley said fiscal 2027 guidance reflects planned cyber, infrastructure and AI investments, while Jack Henry expects revenue growth to improve through the year.

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 97.62%
Held by the ten largest 51.23%
Holder Shares Stake Change
Vanguard 8.95m 12.76% −59.75k
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC 5.21m 7.44% −246.45k
BlackRock 5.12m 7.31% −836.29k
State Street 3.70m 5.28% −251.34k
Geode Capital Management 2.75m 3.93% +451.68k
Morgan Stanley 2.37m 3.39% −309.02k
Arrowstreet Capital 2.11m 3.00% +1.68m
CIBC Bancorp USA Inc. 1.91m 2.72% −1.74k
UBS 1.91m 2.72% −409.00k
Invesco 1.88m 2.68% +28.48k
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 2 October 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2026 8.41m 5.43m 89.76
2025 7.02m 7.01m 115.67
2024 10.96m 11.31m 105.24
2023 10.44m 4.31m 104.69
2022 9.76m 15.05m 111.31

Ownership

Directors and executive officers, together less than 1%
Kayne Anderson Rudnick Investment Management, LLC 8.40%
Vanguard Capital Management 7.70%
BlackRock Inc. 6.80%
State Street Corporation 5.70%
Vanguard Portfolio Management 5.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

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

5 Nov

Impact 3 · · Zacks

4 Nov

Impact 3 · · GuruFocus.com
Impact 3 · · The Motley Fool transcript
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby
Impact 3 · · Simply Wall St.

3 Nov

Impact 3 · · StockStory
Impact 3 · · Associated Press
Impact 3 · · PR Newswire

29 Oct

Impact 3 · · PR Newswire
Impact 3 · · Zacks

28 Oct

Impact 3 · · Insider Monkey

27 Oct

Impact 3 · · Zacks

26 Oct

Impact 3 · · PR Newswire

23 Oct

Impact 3 · · Exec Edge

22 Oct

Impact 4 · · Business Wire

21 Oct

Impact 3 · · PR Newswire
Impact 3 · · PR Newswire

20 Oct

Impact 3 · · Barchart

16 Oct

Impact 3 · · Zacks

7 Oct

Impact 4 · · Simply Wall St.

5 Oct

Impact 3 · · PR Newswire
Impact 3 · · PR Newswire

24 Sep

Impact 3 · · Barchart

21 Sep

Impact 4 · · PR Newswire
Impact 3 ·

9 Sep

Impact 4 · · The Motley Fool

8 Sep

Impact 3 ·

4 Sep

Impact 3 ·

31 Aug

Impact 3 ·

JKHY metrics, ten years each

stockrow.com/JKHY · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com