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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. In the quarter to June 2026, revenue grew 4.66%, EPS fell 10.3%, free cash flow fell 9.65% and total debt fell 76.5%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for twenty-five consecutive years, revenue growth for ten, operating cash flow growth for three; insiders bought in the last twelve months.

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Market cap: $10.5B
P/E: 21.4×
Fwd P/E: 18.0×
Dividend yield: 1.61%
F-score: 7/9
Altman Z: 8.59
Beneish M: −2.79
Dividend safety: 93/100

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios Filings 10-Q 10-K

Insider Decisions trades per month

Total buys 0.32

Total sells 3.53

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	2	—	—	—	—	—
Sell	1	1	—	—	—	—	—	—	—	—	—	—

Insider Ownership 3.03%

Capital & Financial Ratios $m

Market Cap 10,470.00

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 21.44

Fwd P/E 18.00

P/S ratio 4.22

P/B ratio 5.23

Past 5Y EPS Growth 11.12%

This Y EPS Growth 5.54%

Next Y EPS Growth 9.48%

Next Y revenue growth 5.88%

Next 5Y EPS Growth 8.68%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years

P/E against its own 10 years 2.62%

10-year low 10-year high

P/S against its own 10 years 2.33%

10-year low 10-year high

P/B against its own 10 years 4.62%

10-year low 10-year high

EV/Sales against its own 10 years 2.33%

10-year low 10-year high

EV/FCF against its own 10 years 3.03%

10-year low 10-year high

Dividends

Payout Ratio 0.35

Annual Dividend Rate 2.41

Annual Dividend Yield 1.61%

	total	individual payouts
2029	Powerpack
2028	Powerpack
2027	Powerpack
2026	2.39	0.61 0.61 0.61
2025	2.32	0.58 0.58 0.58 0.58
2024	2.75	0.55 0.55 0.55 0.55 0.55
2023	2.08	0.52 0.52 0.52 0.52
2022	1.96	0.49 0.49 0.49 0.49
2021	1.84	0.46 0.46 0.46 0.46
2020	1.72	0.43 0.43 0.43 0.43
2019	1.60	0.40 0.40 0.40 0.40
2018	1.48	0.37 0.37 0.37 0.37
2017	1.24	0.31 0.31 0.31 0.31
2016	1.12	0.28 0.28 0.28 0.28

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	2026
Cash	12	38	102	12
Receivables	369	339	318	356
Inventory	—	—	—	—
Other	142	—	6	9
	628	632	681	649

	2023	2024	2025	2026
Payables	19	25	28	35
ST’ Debt	10	90	—	—
Other	—	—	—	—
	524	634	536	556

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%

Revenue $m

	Sep	Dec	Mar	Jun	Year
’26	—	—	—	—	—
’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	—	—	—	—	—
’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	—	—	—	—	—
’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.

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

Fiscal quarters ending in the months shown.

Group	Line	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026	2027e
Price, $
Price, $	Low	88.11	112.78	120.99	123.64	141.65	155.44	136.57	157.00	144.12	121.04	Analyst estimates 2027–2029 Powerpack
	High	119.82	163.68	152.93	200.98	179.98	212.62	184.19	189.63	196.00	193.39
People
People	Employees	5,972	6,307	6,402	6,717	6,714	6,847	7,120	7,170	7,240	7,300
	Revenue/emp, $m	0.23	0.23	0.24	0.25	0.26	0.28	0.29	0.31	0.33	0.35
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
	Gross margin, %	41.95	41.99	40.55	40.58	39.52	41.91	41.33	41.35	42.71	43.65
	EBT	341	356	347	381	398	472	475	498	586	653
	EBT margin, %	24.56	24.22	22.36	22.45	22.62	24.31	22.84	22.48	24.67	25.66
	Net income	230	365	272	297	311	363	367	382	456	503
	Depreciation	140	152	161	172	176	178	191	200	205	213
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
	Earnings	3.14	4.85	3.52	3.86	4.12	4.94	5.02	5.23	6.24	6.98
	Cash flow	4.59	5.34	5.59	6.65	6.12	6.88	5.23	7.80	8.80	10.60
	Capex	(1.89)	(1.94)	(2.21)	(2.17)	(2.01)	(2.61)	(2.46)	(3.18)	(3.17)	(3.10)
	Free cash flow	2.70	3.40	3.38	4.48	4.11	4.27	2.78	4.62	5.63	7.50
	Book value	13.26	17.12	18.52	20.18	17.46	18.84	22.06	25.28	29.24	28.55
	Shares, m	78	77	77	77	76	73	73	73	73	72
Valuation, ×
Valuation, ×	P/E	35.39	28.16	38.76	47.68	39.69	36.44	33.33	31.32	28.87	19.76
	P/S	5.83	6.86	6.78	8.33	7.03	6.79	5.87	5.38	5.53	3.89
	P/B	7.84	7.63	7.37	9.12	9.36	9.55	7.59	6.47	6.16	4.82
	EV/Sales	5.78	6.91	6.79	8.21	7.06	6.83	6.00	5.43	5.56	3.94
	EV/FCF	38.18	38.71	40.46	40.48	39.98	42.38	61.60	35.73	32.16	18.57
Cash, $m
Cash, $m	Operating cash flow	357	412	431	511	462	505	382	568	642	762
	Capex	(147)	(150)	(171)	(166)	(152)	(191)	(179)	(232)	(231)	(223)
	Free cash flow	210	263	260	344	310	313	203	337	410	539
Balance, $m
Balance, $m	Working capital	49	23	99	174	23	70	104	(2)	146	93
	Total debt	50	—	—	12	112	126	285	150	—	40
	Net debt	(65)	(31)	(94)	(201)	61	77	273	112	(102)	28
	Shareholders’ equity	1,032	1,323	1,429	1,550	1,319	1,382	1,609	1,842	2,131	2,052
Returns, %
Returns, %	ROA	12.33	18.52	12.89	12.86	13.07	15.15	14.02	13.40	15.27	16.25
	ROIC	22.08	17.30	16.25	17.64	18.05	20.33	15.97	15.65	17.52	19.08
	ROE	22.64	31.00	19.76	19.92	21.71	26.87	24.52	22.13	22.94	24.04

Negative figures in brackets.

All 10 years →

Fiscal years to Jun 2026 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FIS Fidelity National Information Services, Inc.	$17.7B	5.2×	6.1×	+29.09% (above 0%: growing)	n/m	+45.12% (above 0%: growing)	34.76%	15.01%	Compare
CDW CDW Corporation	$17.5B	17.0×	14.9×	+9.97% (above 0%: growing)	+4.85% (above 0%: growing)	−161.92% (below 0%: shrinking)	20.08%	6.52%	Compare
WIT Wipro Limited	$16.5B	14.3×	—	+0.15% (above 0%: growing)	−25.00% (below 0%: shrinking)	−30.13% (below 0%: shrinking)	28.54%	16.01%	Compare
LDOS Leidos Holdings, Inc.	$15.0B	11.2×	11.1×	+7.17% (above 0%: growing)	−7.26% (below 0%: shrinking)	+67.40% (above 0%: growing)	17.92%	11.28%	Compare
CACI CACI International, Inc.	$13.3B	25.1×	22.9×	+17.57% (above 0%: growing)	−1.25% (below 0%: shrinking)	+158.94% (above 0%: growing)	33.72%	10.05%	Compare
IT Gartner, Inc.	$12.3B	17.1×	12.8×	−0.62% (below 0%: shrinking)	+32.69% (above 0%: growing)	+8.94% (above 0%: growing)	70.95%	22.59%	Compare
JKHY Jack Henry & Associates, Inc.	$10.5B	21.4×	18.0×	+4.66% (above 0%: growing)	−10.29% (below 0%: shrinking)	−9.65% (below 0%: shrinking)	42.52%	21.24%
APLD Applied Digital Corporation	$7.1B	— (loss-making)	— (loss-making)	+322.41% (above 0%: growing)	n/m	−504.22% (below 0%: shrinking)	15.30%	(18.25%)	Compare
INGM Ingram Micro Holding Corporation	$6.4B	15.1×	14.0×	+13.58% (above 0%: growing)	+200.00% (above 0%: growing)	−69.92% (below 0%: shrinking)	6.60%	1.62%	Compare
Median of peers	$14.1B	15.1×	13.4×	+11.78%	+1.80%	−10.60%	24.31%	10.67%

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