JKHY · Nasdaq · Technology
Jack Henry & Associates, Inc. (JKHY) — Rank #165 by gross profitability (GP/assets 0.35) · ROE 24.5% · Piotroski F-Score 7 / 9.
As-of 2026-10-30 · CIK 0000779152 · all metrics point-in-time as of the filing date.
About
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.
Show moreShow less
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.
- Industry
- Information Technology Services
- Sector
- Technology
- State
- DE
- Filer Category
- Large accelerated filer
- Fiscal Year End
- June 30
- Website
- jackhenry.com
Company Snapshot
P/E and reverse DCF are the primary valuation lenses at this stage.
Market Cap
—
P/E (annual)
—
P/S (annual)
—
P/B
—
P/OCF (annual)
—
Shareholder Yield
—
Employees
7,300
Industry
Information Technology Services
Exchange
Nasdaq
12/12
Flags passed
JKHY passes 12/12 quality flags
- PASSGross margin holding
- PASSDilution within 2%
- PASSFCF not negative from investment
- PASSDisclosure consistent
- PASSRevenue not declining
- PASSOperating margin holding
- PASSFree cash flow intact
- PASSPasses safety gate
- PASSBalance sheet stable
- PASSNo competitive retreat
- PASSSBC not compressing margin
- PASSNo valuation convergence
Strengths Operating leverage expanding · Deferred revenue growing · RPO outpacing revenue
A count of the 12 warning flags that could be evaluated. Unweighted: colour follows the worst flag.
Quality Profile
Profitability
1/1 passSafety
1/1 passCash Flow
3/3 passGrowth
2/2 passFCF yield, shareholder yield, and buyback activity are the primary reads at this stage.
Profitability
Does it make money well?
No warning flags · GP/assets 0.35
Gross profitability (GP / assets)
0.35
Primary signal (Novy-Marx).
4th of 8 SIC 7373 peers
Return on equity
24.5%
Gross margin
43.7%
4th of 7 SIC 7373 peers
Revenue growth (YoY)
7.1%
RPO growth (YoY)
9.5%
Remaining performance obligations growth — RPO > revenue = forward demand building.
Gross margin improving
Margin trend vs prior year.
Operating Leverage
| 2023 | 2024 | 2025 | 2026 | |
|---|---|---|---|---|
| Revenue vs COGS | ||||
| Revenue vs OpEx | ||||
| Op. Income vs Revenue |
Growth
Revenue CAGR (3Y)
7.0%
Revenue CAGR (5Y)
7.7%
Earnings CAGR (3Y)
11.1%
FCF CAGR (3Y)
26.6%
Cash Flow Health
Is the cash real?
No warning flags · FCF 38% above net income
Free cash flow
$694.86M
Operating cash flow minus capex.
Positive free cash flow
FCF vs net income
38.2%
(FCF − net income) ÷ |net income|. Positive: cash above earnings. Negative: below.
FCF not below net income
Fails when free cash flow is below net income (yellow flag).
Accruals healthy
Cash-backed earnings.
SBC / revenue
1.3%
Stock-based comp intensity.
Balance Sheet Strength
Can it survive a storm?
No warning flags · net debt $69.43M, F-Score 7/9
Balance-sheet safety
Composite anti-fragile check.
Debt / equity
0.53
4th of 8 SIC 7373 peers (best = lowest)
Current ratio
1.17×
7th of 8 SIC 7373 peers
Quick ratio
0.66×
Net cash
-$69.43M
Cash & equivalents minus total debt.
Piotroski F-Score
7 / 9
Fundamental-strength score (0-9).
Valuation
Is the price reasonable?
No warning flags
Valuation History
Current multiple vs historical range at each filing date. Band spans 25th-75th percentile.
P / E
Price / diluted EPS
P / S
Price / revenue per share
P / B
Price / book value per share
P / GP
Price / gross profit per share
P / FCF
Price / free cash flow per share
Dividend safety
Composite score
4.0 / 5
Capital allocation quality
Composite score
3.8 / 5
Lifecycle Phase History
Price History
Source filings on SEC EDGAR: 10-K annual reports · 10-Q quarterly reports