Jack Henry & Associates (JKHY) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Jack Henry & Associates

NasdaqGS•Technology•Information Technology Services

$161.66-1.76(-0.01%)After hours

Market Cap

$11.55B

P/E

23.0x

P/S

4.5x

P/B

5.6x

Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate Services. The Core segment provides core information processing platforms to banks and credit unions, which consists 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, money movement and embedded payment capabilities, 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 Services 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; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks; and Symitar, a system designed for credit unions. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and services; 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.

How this company scores

ExcellentMetricSide Score: 84/100

Strongest: Cash & Earnings Quality (23/25); weakest: Growth (19/25).

Profitability22/25

Growth19/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsHigh ROELow leverage

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 23.0x5y range 21.6x – 40.0x

Currently below its 20-quarter median.

P/S · 4.5x5y range 4.5x – 7.5x

Currently near its 20-quarter median.

P/B · 5.6x5y range 5.1x – 10.8x

Currently near its 20-quarter median.

Price & Volume

Market Cap $11.55B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $2.54B
Q. Revenue: $644.02M
TTM EBITDA: $677.14M
TTM Op. Income: $635.03M
Q. Op. Income: $136.77M
TTM Net Income: $502.78M
Q. Net Income: $111.23M
EPS: $1.574
Shares Out.: $70.68M

$2.54B in TTM revenue grew 7.1% YoY, reaching $644.02M last quarter. TTM EBITDA of $677.14M and TTM operating income of $635.03M show growth is flowing through to the bottom line. TTM net income of $502.78M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 42.5%
EBITDA Margin: 22.9%
Op. Margin: 21.2%
Net Margin: 17.3%

Op. margin of 21.2% is down 4.1% YoY — costs are rising relative to revenue. Net margin at 17.3% and gross margin of 42.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 3 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 23.0x
P/S Ratio: 4.5x
P/B Ratio: 5.6x

At 23.0x P/E, the stock trades within typical market levels. P/S of 4.5x and P/B of 5.6x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 20% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.15B
Cash: $12.06M
Long-Term Debt: $40.00M
Book Value: $2.05B
D/E Ratio: 0.0
Debt/EBITDA: 0.3

With $3.15B in assets and $40.00M in long-term debt, D/E is 0.0and book value is $2.05B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 50% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $302.67M
TTM Free Cash Flow: $694.86M
FCF Margin: 27.3%
FCF / Net Income: 1.4

TTM FCF of $694.86M on $302.67M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 18% — a weakening trend.