Jack Henry & Associates, Inc. JKHY SPXR3KTECH
Company Overview
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.
Why Investors Should Care
Generates a return on equity of 24.9%, reflecting efficient use of shareholder capital.
Return on capital employed stands at 22.7%.
Trades at a P/E of 23.1, below the sector median of 32.4.
Maintains a net profit margin of 20.6%.
Carries low leverage with a debt-to-equity ratio of 0.06.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Jun 2025 Revenue of $2.38B (+7.2% YoY); net profit $455.75M.
- Trailing 12 Months Year-on-year growth — revenue +8.7%, earnings +12.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 7.2%, profit CAGR 9.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 7.20% |
| 1 Year: | 8.70% |
Compounded Profit Growth
| 5 Years: | 9.43% |
| 1 Year: | 12.50% |
Stock Price Performance
| 1 Year: | +2.93% |
| 6 Months: | -2.82% |
| 3 Months: | +27.77% |
| 1 Month: | +5.93% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)57.48 · Neutral
P/E of 23.13 is below the sector median of 32.42 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 24.9%.
- Healthy ROCE of 22.7%.
- Excellent profit margin of 20.6%.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | JKHY Jack Henry & Associates, Inc. SPXR3KTECH | 165.64 | 23.13 | $11.77B | 1.52% | 22.67% | 24.89% | 7.20% | 9.43% |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 230.36 | 35.28 | $5.58T | 0.46% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 319.97 | 36.69 | $4.67T | 0.35% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 499.70 | 27.85 | $3.71T | 0.73% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 426.34 | 37.46 | $2.21T | 0.91% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 357.90 | 59.55 | $1.70T | 0.62% | 16.70% | 37.28% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,016.59 | 22.97 | $1.15T | 0.06% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 477.57 | 122.14 | $779.62B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,714.88 | 58.49 | $658.69B | 0.53% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | 361.28M | 357.21M | 374.05M | 378.26M | 392.54M | 386.27M | 380.36M | 393.51M | 438.00M | 419.12M | 429.41M | 410.54M | 451.80M | 422.36M | 433.78M | 488.06M | 493.90M | 478.26M | 529.20M | 505.31M | 508.55M | 571.37M | 545.70M | 538.56M | 600.98M | 573.85M | 585.09M | 644.74M | 619.33M | 636.25M |
| Gross Profit | 131.81M | 146.41M | 137.96M | 142.43M | 138.91M | 161.70M | 150.26M | 150.41M | 147.04M | 164.37M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 77.20M | 89.37M | 80.54M | 84.79M | 79.83M | 116.50M | 91.42M | 88.61M | 88.73M | 98.95M | 97.06M | 84.79M | 90.71M | 84.95M | 103.22M | 88.20M | 76.44M | 79.42M | 118.19M | 93.70M | 91.94M | 76.80M | 117.59M | 93.63M | 91.20M | 133.59M | 125.66M | 111.59M | 140.72M | 107.38M | 108.39M | 132.70M | 118.97M | 112.10M | 151.28M | 123.00M | 138.74M | 184.06M | 159.15M | 155.05M |
| Net Income | 50.71M | 60.54M | 51.37M | 59.35M | 53.88M | 84.27M | 62.24M | 58.81M | 60.04M | 64.69M | 66.87M | 161.24M | 69.08M | 67.84M | 83.55M | 68.09M | 59.25M | 60.99M | 89.37M | 72.10M | 73.86M | 61.34M | 91.22M | 71.98M | 71.41M | 102.11M | 95.67M | 84.71M | 106.55M | 80.78M | 81.55M | 101.68M | 91.97M | 87.10M | 119.19M | 97.84M | 111.11M | 143.99M | 124.67M | 122.89M |
| Diluted EPS | 0.63 | 0.75 | 0.64 | 0.74 | 0.68 | 1.06 | 0.79 | 0.75 | 0.77 | 0.83 | 0.86 | 2.08 | 0.89 | 0.87 | 1.08 | 0.88 | 0.77 | 0.79 | 1.16 | 0.94 | 0.96 | 0.80 | 1.19 | 0.94 | 0.95 | 1.38 | 1.30 | 1.16 | 1.46 | 1.10 | 1.12 | 1.39 | 1.26 | 1.19 | 1.63 | 1.34 | 1.52 | 1.97 | 1.72 | 1.71 |
| R&D Expense | 17.52M | 19.50M | 18.55M | 18.86M | 19.85M | 23.96M | 19.74M | 20.87M | 20.80M | 23.34M | 20.93M | 22.41M | 22.59M | 24.41M | 24.03M | 23.99M | 23.44M | 24.92M | 24.59M | 27.19M | 28.31M | 29.90M | 26.06M | 26.78M | 27.39M | 26.75M | 29.92M | 30.73M | 32.99M | 36.56M | 34.62M | 36.89M | 35.48M | 35.99M | 39.69M | 41.09M | 39.41M | 39.28M | 42.23M | 45.11M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Jun 2010 | Jun 2011 | Jun 2012 | Jun 2013 | Jun 2014 | Jun 2015 | Jun 2016 | Jun 2017 | Jun 2018 | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 836.59M | 966.90M | 1.03B | 1.11B | 1.17B | 1.26B | 1.35B | 1.39B | 1.47B | 1.55B | 1.70B | 1.76B | 1.94B | 2.08B | 2.22B | 2.38B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | 1.13B | 1.22B | 1.30B | 1.36B |
| Gross Profit | 345.12M | 399.33M | 423.73M | 461.39M | 493.80M | 535.85M | 581.00M | 612.08M | - | - | - | - | 814.27M | 858.64M | 916.07M | 1.01B |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | 339.65M | 377.95M | 426.68M | 445.83M |
| Operating Income | 182.25M | 216.32M | 236.24M | 250.76M | 288.30M | 317.87M | 361.66M | 341.72M | 357.50M | 347.29M | 380.63M | 398.72M | 474.62M | 480.69M | 489.39M | 568.72M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | 652.27M | 680.37M | 714.31M | 801.23M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | 2.38M | 15.07M | 16.38M | 10.44M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | 472.27M | 474.57M | 498.02M | 586.04M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | 109.35M | 107.93M | 116.20M | 130.29M |
| Net Income | 117.87M | 137.47M | 154.98M | 167.61M | 186.72M | 211.22M | 248.87M | 229.56M | 365.03M | 271.88M | 296.67M | 311.47M | 362.92M | 366.65M | 381.82M | 455.75M |
| Diluted EPS | 1.38 | 1.59 | 1.78 | 1.94 | 2.19 | 2.59 | 3.12 | 2.93 | 4.70 | 3.52 | 3.86 | 4.12 | 4.94 | 5.02 | 5.23 | 6.24 |
| R&D Expense | 50.82M | 63.40M | 60.88M | 63.20M | 66.75M | 71.50M | 81.23M | 84.75M | 90.34M | 96.38M | 109.99M | 109.05M | 121.36M | 142.68M | 148.26M | 162.77M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Jun 2009 | Jun 2010 | Jun 2011 | Jun 2012 | Jun 2013 | Jun 2014 | Jun 2015 | Jun 2016 | Jun 2017 | Jun 2018 | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.51B | 1.62B | 1.63B | 1.68B | 1.84B | 1.82B | 1.91B | 2.03B | 2.18B | 2.43B | 2.34B | 2.46B | 2.77B | 2.92B | 3.04B |
| Total Equity | - | 750.37M | 879.78M | 983.06M | 1.02B | 967.39M | 991.53M | 996.21M | 1.10B | 1.32B | 1.43B | 1.55B | 1.32B | 1.38B | 1.61B | 1.84B | 2.13B |
| Cash & Equivalents | 118.25M | 125.52M | 63.12M | 157.31M | 127.91M | 70.38M | 148.31M | 70.31M | 114.77M | 31.44M | 93.63M | 213.34M | 50.99M | - | - | - | - |
| Long Term Debt | - | - | 151.01M | 131.46M | 14.28M | 7.76M | 50.82M | - | - | 0 | 0 | - | - | 115.00M | 275.00M | 60.00M | 0 |
| Total Liabilities | - | - | 626.02M | 636.44M | 556.99M | 713.32M | 845.30M | 819.30M | 876.89M | 710.21M | 755.82M | 878.79M | 1.02B | 1.07B | 1.17B | 1.08B | 913.14M |
| Current Liabilities | - | - | 380.51M | 402.24M | 412.26M | 446.81M | 443.61M | 443.73M | 471.19M | 448.06M | 469.96M | 494.85M | 520.86M | 543.83M | 523.76M | 633.81M | 535.78M |
Cash Flows (Annual)
Figures in USD.
| Metric | Jun 2010 | Jun 2011 | Jun 2012 | Jun 2013 | Jun 2014 | Jun 2015 | Jun 2016 | Jun 2017 | Jun 2018 | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 218.70M | 240.13M | 264.55M | 309.17M | 341.66M | 373.79M | 366.42M | 357.32M | 412.14M | 431.13M | 510.53M | 462.13M | 504.63M | 381.56M | 568.04M | 641.50M |
| 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 | -34.66M | -39.18M | -58.12M | -53.36M |
| Free Cash Flow | 164.19M | 208.05M | 223.11M | 262.92M | 308.47M | 319.38M | 310.10M | 315.38M | 372.01M | 377.53M | 456.99M | 439.14M | 469.97M | 342.38M | 509.92M | 588.15M |
| Share Buybacks | 0 | 0 | 34.37M | 58.13M | 175.70M | 122.69M | 175.66M | 130.14M | 48.99M | 54.86M | 71.55M | 431.53M | 193.92M | 25.00M | 28.05M | 35.05M |
| Dividends Paid | 30.46M | 34.39M | 38.13M | 48.20M | 71.25M | 76.41M | 84.12M | 91.71M | 105.02M | 118.75M | 127.42M | 133.80M | 139.07M | 147.24M | 155.88M | 164.64M |
Ratios (Annual)
Figures in %.
| Metric | Jun 2010 | Jun 2011 | Jun 2012 | Jun 2013 | Jun 2014 | Jun 2015 | Jun 2016 | Jun 2017 | Jun 2018 | Jun 2019 | Jun 2020 | Jun 2021 | Jun 2022 | Jun 2023 | Jun 2024 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | 41.3% | 41.3% | 41.3% | 41.7% | 42.1% | 42.7% | 42.9% | 44.1% | - | - | - | - | 41.9% | 41.3% | 41.3% | 42.7% |
| Operating Margin % | 21.8% | 22.4% | 23.0% | 22.6% | 24.6% | 25.3% | 26.7% | 24.6% | 24.3% | 22.4% | 22.4% | 22.7% | 24.4% | 23.1% | 22.1% | 23.9% |
| Net Margin % | 14.1% | 14.2% | 15.1% | 15.1% | 15.9% | 16.8% | 18.4% | 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% | 23.6% | 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% | 22.0% | 24.8% | 21.4% | 21.4% | 22.7% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Kayne Anderson Rudnick Investment Management LLC | 7.34% | 5.21M | $884.83M |
| 2 | Blackrock Inc. | 7.21% | 5.12M | $869.32M |
| 3 | Vanguard Capital Management LLC | 6.54% | 4.64M | $788.33M |
| 4 | State Street Corporation | 5.21% | 3.70M | $628.62M |
| 5 | Vanguard Portfolio Management LLC | 5.01% | 3.56M | $604.14M |
| 6 | Geode Capital Management, LLC | 3.88% | 2.75M | $467.41M |
| 7 | Morgan Stanley | 3.34% | 2.37M | $403.08M |
| 8 | Arrowstreet Capital, Limited Partnership | 2.96% | 2.11M | $357.38M |
| 9 | CIBC Bancorp USA Inc. | 2.69% | 1.91M | $323.98M |
| 10 | Invesco Ltd. | 2.65% | 1.88M | $319.31M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for JKHY
Jack Henry & Associates (NASDAQ:JKHY): A Dividend Quality Play for Discerning Income Investors - ChartMill
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JKHY — Frequently Asked Questions
What is the current share price of Jack Henry & Associates, Inc. (JKHY)?
As of 2026-09-07 16:24 PDT, Jack Henry & Associates, Inc. (JKHY) trades at $165.64 on NasdaqGS. Its 52-week range is $122.97 to $190.35.
What is the market capitalisation of JKHY?
Jack Henry & Associates, Inc. (JKHY) has a market capitalisation of $11.77B on NasdaqGS.
What is the P/E ratio of JKHY?
JKHY trades at a trailing price-to-earnings (P/E) ratio of 23.13. The industry average P/E is 32.42. Its price-to-book (P/B) ratio is 5.20.
Does JKHY pay a dividend?
Jack Henry & Associates, Inc. (JKHY) currently offers a dividend yield of 1.52%.
What is the return on equity (ROE) of JKHY?
JKHY has a return on equity (ROE) of 24.89%. Its return on capital employed (ROCE) is 22.67%.
Is JKHY a good stock to buy?
This page provides a data-driven analysis of Jack Henry & Associates, Inc. (JKHY), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.