Jack Henry & Associates, Inc. JKHY SPX
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.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
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
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
No fundamental data available for this stock.
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).
| # | Name | CMP $ | P/E | Mkt Cap | Div 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% |
Quarterly Results
Figures in USD.
| Metric | 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 | Jun 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 | 615.37M | 644.74M | 619.33M | 636.25M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 340.59M | 343.88M | 348.57M | 350.99M | 363.92M |
| Gross Profit | 146.41M | 137.96M | 142.43M | 138.91M | 161.70M | 150.26M | 150.41M | 147.04M | 164.37M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 244.50M | 271.49M | 296.17M | 268.35M | 272.32M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 105.76M | 115.80M | 112.11M | 109.20M | 117.28M |
| Operating Income | 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 | 155.70M | 184.06M | 159.15M | 155.05M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 195.65M | 213.54M | 243.10M | 218.49M | 213.57M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.73M | 2.10M | 886.00K | 1.14M | 1.38M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 141.91M | 159.95M | 190.32M | 164.19M | 158.54M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 30.80M | 32.34M | 46.33M | 39.52M | 35.65M |
| Net Income | 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 | 127.60M | 143.99M | 124.67M | 122.89M |
| Diluted EPS | 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 | 1.75 | 1.97 | 1.72 | 1.71 |
| R&D Expense | 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 | - | - | - | - | - | - | - | 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 |
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 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 | - | 2.46B | 2.77B | 2.92B | 3.04B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | 613.52M | 627.96M | 632.02M | 681.46M |
| 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 | - | 48.79M | 12.24M | 38.28M | 101.95M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | 355.69M | 369.21M | 340.51M | 324.64M |
| Total Liabilities | - | - | 626.02M | 636.44M | 556.99M | 713.32M | 845.30M | 819.30M | 876.89M | 710.21M | 755.82M | 878.79M | - | 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 | - | 543.83M | 523.76M | 633.81M | 535.78M |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | 100.00M | 115.00M | 275.00M | 60.00M | - |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | 100.19M | 115.07M | 275.00M | 150.00M | - |
| Total Equity | - | 750.37M | 879.78M | 983.06M | 1.02B | 967.39M | 991.53M | 996.21M | 1.10B | 1.32B | 1.43B | 1.55B | - | 1.38B | 1.61B | 1.84B | 2.13B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | 103.92M | 104.09M | 104.25M | 104.42M |
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 | -191.39M | -206.98M | -232.42M | -231.17M |
| 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 | 313.24M | 174.57M | 335.62M | 410.34M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | -2.21M | -36.54M | 26.04M | 63.67M |
| 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 % | - | - | - | - | - | - | - | 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 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 |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for JKHY