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Jack Henry & Associates, Inc. JKHY SPX

Technology · Information Technology Services · United States
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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$136.32
-23.96% 1Y

Market & Price

Market Cap
$9.69B
Current Price
$136.32
High / Low (52W)
$191.90 / $134.03
Beta
0.63

Valuation

Stock P/E
19.04
Industry PE
32.74
Forward P/E
19.28
PEG Ratio
1.85
Book Value
$29.98
Price to Book
4.55
P/S
3.85
EV/EBITDA
13.70
Dividend Yield
1.75%

Profitability & Returns

ROCE
23.78%
ROE
24.89%
ROA
13.66%
Profit Margin
20.64%
Op Margin
24.37%
EPS (Latest Qtr)
$1.71
EPS (TTM)
$7.16

Balance Sheet & Liquidity

Debt/Equity
0.06
Quick Ratio
1.01
Current Ratio
1.74
Debt
$136.59M
Total Assets
$3.04B
Current Assets
$681.46M
Working Capital
$145.68M

Ownership

Promoter Holding
0.59%
Chg in Prom Hold
-
FII / Inst Holding
106.70%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$9.80B
Total Revenue (TTM)
$2.52B
EBITDA
$715.41M
Free Cash Flow
$373.41M
Operating Cash Flow
$786.40M
Shares Outstanding
71.05M
Gross Margin
44.06%
Payout Ratio
32.82%

Growth (CAGR)

Revenue 5Y
6.93%
Profit 5Y
7.89%
Revenue (YoY)
8.70%
Earnings (YoY)
12.50%

PROS

  • Strong return on equity of 24.9%.
  • Healthy ROCE of 23.8%.
  • Excellent profit margin of 20.6%.
  • Generates positive free cash flow.

CONS

  • Trading 29.0% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Technology).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 JKHY Jack Henry & Associates, Inc. SPX 136.32 19.04 $9.69B 1.75% 23.78% 24.89% 6.93% 7.89%
2 NVDA NVIDIA Corporation NDXSPXAI 211.14 32.38 $5.11T 0.47% 81.14% 114.29% 100.05% 201.80%
3 AAPL Apple Inc. NDXSPX 312.06 37.73 $4.58T 0.35% 68.72% 141.47% 1.81% 3.92%
4 MSFT Microsoft Corporation NDXSPXAI 450.24 26.82 $3.34T 0.81% 26.37% 34.01% 12.42% 11.87%
5 TSM Taiwan Semiconductor Manufacturing Company Limited AI 418.45 35.86 $2.17T 0.91% 32.04% 36.21% 18.94% 19.57%
6 MU Micron Technology, Inc. NDXSPXAI 971.00 45.87 $1.10T 0.06% 14.20% 39.82% 6.71% -0.57%
7 AMD Advanced Micro Devices, Inc. NDXSPXAI 516.10 172.61 $841.55B - 6.33% 8.06% 13.64% 48.64%
8 ORCL Oracle Corporation SPXAI 225.78 40.46 $649.35B 0.89% 13.07% 57.57% 10.59% 22.81%
9 ASML ASML Holding N.V. NDXAI 1,612.76 53.76 $621.59B 0.54% 43.81% 52.24% 15.55% 19.55%
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Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Sep 2021Dec 2021Mar 2022Sep 2022Dec 2022Mar 2023Sep 2023Dec 2023Mar 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ---------361.28M357.21M374.05M378.26M392.54M386.27M380.36M393.51M438.00M419.12M429.41M410.54M451.80M422.36M433.78M488.06M493.90M478.26M529.20M505.31M508.55M571.37M545.70M538.56M600.98M573.85M585.09M615.37M644.74M619.33M636.25M
Cost of Revenue -----------------------------------340.59M343.88M348.57M350.99M363.92M
Gross Profit 146.41M137.96M142.43M138.91M161.70M150.26M150.41M147.04M164.37M--------------------------244.50M271.49M296.17M268.35M272.32M
Operating Expenses -----------------------------------105.76M115.80M112.11M109.20M117.28M
Operating Income 89.37M80.54M84.79M79.83M116.50M91.42M88.61M88.73M98.95M97.06M84.79M90.71M84.95M103.22M88.20M76.44M79.42M118.19M93.70M91.94M76.80M117.59M93.63M91.20M133.59M125.66M111.59M140.72M107.38M108.39M132.70M118.97M112.10M151.28M123.00M138.74M155.70M184.06M159.15M155.05M
EBITDA -----------------------------------195.65M213.54M243.10M218.49M213.57M
Interest Expense -----------------------------------2.73M2.10M886.00K1.14M1.38M
Pretax Income -----------------------------------141.91M159.95M190.32M164.19M158.54M
Tax Provision -----------------------------------30.80M32.34M46.33M39.52M35.65M
Net Income 60.54M51.37M59.35M53.88M84.27M62.24M58.81M60.04M64.69M66.87M161.24M69.08M67.84M83.55M68.09M59.25M60.99M89.37M72.10M73.86M61.34M91.22M71.98M71.41M102.11M95.67M84.71M106.55M80.78M81.55M101.68M91.97M87.10M119.19M97.84M111.11M127.60M143.99M124.67M122.89M
Diluted EPS 0.750.640.740.681.060.790.750.770.830.862.080.890.871.080.880.770.791.160.940.960.801.190.940.951.381.301.161.461.101.121.391.261.191.631.341.521.751.971.721.71
R&D Expense 19.50M18.55M18.86M19.85M23.96M19.74M20.87M20.80M23.34M20.93M22.41M22.59M24.41M24.03M23.99M23.44M24.92M24.59M27.19M28.31M29.90M26.06M26.78M27.39M26.75M29.92M30.73M32.99M36.56M34.62M36.89M35.48M35.99M39.69M41.09M39.41M-39.28M42.23M45.11M

Profit & Loss (Annual)

Figures in USD.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Revenue -------1.39B1.47B1.55B1.70B1.76B1.94B2.08B2.22B2.38B
Cost of Revenue ------------1.13B1.22B1.30B1.36B
Gross Profit 345.12M399.33M423.73M461.39M493.80M535.85M581.00M612.08M----814.27M858.64M916.07M1.01B
Operating Expenses ------------339.65M377.95M426.68M445.83M
Operating Income 182.25M216.32M236.24M250.76M288.30M317.87M361.66M341.72M357.50M347.29M380.63M398.72M474.62M480.69M489.39M568.72M
EBITDA ------------652.27M680.37M714.31M801.23M
Interest Expense ------------2.38M15.07M16.38M10.44M
Pretax Income ------------472.27M474.57M498.02M586.04M
Tax Provision ------------109.35M107.93M116.20M130.29M
Net Income 117.87M137.47M154.98M167.61M186.72M211.22M248.87M229.56M365.03M271.88M296.67M311.47M362.92M366.65M381.82M455.75M
Diluted EPS 1.381.591.781.942.192.593.122.934.703.523.864.124.945.025.236.24
R&D Expense 50.82M63.40M60.88M63.20M66.75M71.50M81.23M84.75M90.34M96.38M109.99M109.05M121.36M142.68M148.26M162.77M

Compounded Sales Growth

5 Years:6.93%
1 Year:8.70%

Compounded Profit Growth

5 Years:7.89%
1 Year:12.50%

Stock Price Performance

1 Year:-23.96%
6 Months:-20.94%
3 Months:-15.79%
1 Month:-11.34%

Balance Sheet (Annual)

Figures in USD.

Metric Jun 2009Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Total Assets --1.51B1.62B1.63B1.68B1.84B1.82B1.91B2.03B2.18B2.43B-2.46B2.77B2.92B3.04B
Current Assets -------------613.52M627.96M632.02M681.46M
Cash & Equivalents 118.25M125.52M63.12M157.31M127.91M70.38M148.31M70.31M114.77M31.44M93.63M213.34M-48.79M12.24M38.28M101.95M
Inventory -----------------
Receivables -------------355.69M369.21M340.51M324.64M
Total Liabilities --626.02M636.44M556.99M713.32M845.30M819.30M876.89M710.21M755.82M878.79M-1.07B1.17B1.08B913.14M
Current Liabilities --380.51M402.24M412.26M446.81M443.61M443.73M471.19M448.06M469.96M494.85M-543.83M523.76M633.81M535.78M
Long Term Debt ------------100.00M115.00M275.00M60.00M-
Total Debt ------------100.19M115.07M275.00M150.00M-
Total Equity -750.37M879.78M983.06M1.02B967.39M991.53M996.21M1.10B1.32B1.43B1.55B-1.38B1.61B1.84B2.13B
Shares Outstanding -------------103.92M104.09M104.25M104.42M

Cash Flows (Annual)

Figures in USD.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Operating Cash Flow 218.70M240.13M264.55M309.17M341.66M373.79M366.42M357.32M412.14M431.13M510.53M462.13M504.63M381.56M568.04M641.50M
Investing Cash Flow -505.71M-59.04M-76.26M-97.24M-131.78M-136.98M-135.96M-141.59M-291.83M-190.63M-197.91M-162.25M-196.34M-409.67M-240.16M-232.16M
Financing Cash Flow 294.28M-243.49M-94.10M-241.34M-267.41M-158.87M-308.46M-171.28M-203.64M-178.31M-192.91M-462.23M-310.49M-8.43M-301.83M-345.67M
Capital Expenditure -54.51M-32.09M-41.44M-46.26M-33.19M-54.41M-56.33M-41.95M-40.13M-53.60M-53.54M-22.99M-191.39M-206.98M-232.42M-231.17M
Free Cash Flow 164.19M208.05M223.11M262.92M308.47M319.38M310.10M315.38M372.01M377.53M456.99M439.14M313.24M174.57M335.62M410.34M
Net Change in Cash -------------2.21M-36.54M26.04M63.67M
Share Buybacks 0034.37M58.13M175.70M122.69M175.66M130.14M48.99M54.86M71.55M431.53M193.92M25.00M28.05M35.05M
Dividends Paid 30.46M34.39M38.13M48.20M71.25M76.41M84.12M91.71M105.02M118.75M127.42M133.80M139.07M147.24M155.88M164.64M

Ratios (Annual)

Figures in %.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Jun 2024Jun 2025
Gross Margin % -------44.1%----41.9%41.3%41.3%42.7%
Operating Margin % -------24.6%24.3%22.4%22.4%22.7%24.4%23.1%22.1%23.9%
Net Margin % -------16.5%24.8%17.5%17.5%17.7%18.7%17.6%17.2%19.2%
ROE % 15.7%15.6%15.8%16.5%19.3%21.3%25.0%20.9%27.6%19.0%19.1%-26.3%22.8%20.7%21.4%
ROCE % -19.2%19.4%20.6%23.4%22.8%26.4%23.8%22.6%20.3%19.7%-24.8%21.4%21.4%22.7%

Shareholding Pattern

Insiders
0.59%
Institutions
106.70%
Public Float
107.34%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.39% 5.96M $812.20M
2 Kayne Anderson Rudnick Investment Management LLC 7.68% 5.46M $744.26M
3 Vanguard Capital Management LLC 6.59% 4.68M $638.03M
4 State Street Corporation 5.57% 3.95M $539.14M
5 Vanguard Portfolio Management LLC 5.06% 3.59M $489.66M
6 Morgan Stanley 3.78% 2.68M $365.86M
7 Geode Capital Management, LLC 3.24% 2.30M $313.83M
8 CIBC Bancorp USA Inc. 2.69% 1.91M $260.44M
9 CIBC Private Wealth Group, LLC 2.66% 1.89M $257.28M
10 Invesco Ltd. 2.61% 1.85M $252.58M

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