Jack Henry & Associates Inc
NASDAQ:JKHY

Watchlist Manager
Jack Henry & Associates Inc Logo
Jack Henry & Associates Inc
NASDAQ:JKHY
Watchlist
Price: 172.5 USD Market Closed
Market Cap: 12.6B USD
Have any thoughts about
Jack Henry & Associates Inc?
Write Note

Intrinsic Value

The intrinsic value of one JKHY stock under the Base Case scenario is 143.93 USD. Compared to the current market price of 172.5 USD, Jack Henry & Associates Inc is Overvalued by 17%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

JKHY Intrinsic Value
143.93 USD
Overvaluation 17%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Jack Henry & Associates Inc

Backtest Intrinsic Value
Dive into the past to invest in the future

Uncover deeper insights with the Valuation Backtest. Learn how current stock valuations stack up against historical averages to gauge true investment potential.

Start backtest now and learn if your stock is truly undervalued or overvalued!

Run Backtest
Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

Backtest Example
Register to View Results
Register to View Results

To access the results of this valuation backtest, please register an account with us. Registration is quick and gives you instant access to insights on 3 stocks per week for free.

Backtest Unavailable

The backtest for JKHY cannot be conducted due to limitations such as insufficient data or other constraints. Please select a different stock or adjust your settings.

Backtest In Progress...
Backtest In Progress...
How do you feel about JKHY?
Bearish
Neutral
Bullish

Fundamental Analysis

Economic Moat
Jack Henry & Associates Inc

Company Quality
No Indicators Selected
Select Indicators

Select up to 3 indicators:

Insider Trading
0-3
Months
0-6
Months
0-12
Months
0-36
Months
No Periods Selected
Select Periods

Select up to 2 periods:

Investment Journal
AI Assistant
AI Assistant
Ask me anything about Jack Henry & Associates Inc

Provide an overview of the primary business activities
of Jack Henry & Associates Inc.

What unique competitive advantages
does Jack Henry & Associates Inc hold over its rivals?

What risks and challenges
does Jack Henry & Associates Inc face in the near future?

Has there been any significant insider trading activity
in Jack Henry & Associates Inc recently?

Summarize the latest earnings call
of Jack Henry & Associates Inc.

Is it considered overvalued or undervalued
based on the latest financial data?

Show all valuation multiples
for Jack Henry & Associates Inc.

Provide P/S
for Jack Henry & Associates Inc.

Provide P/E
for Jack Henry & Associates Inc.

Provide P/OCF
for Jack Henry & Associates Inc.

Provide P/FCFE
for Jack Henry & Associates Inc.

Provide P/B
for Jack Henry & Associates Inc.

Provide EV/S
for Jack Henry & Associates Inc.

Provide EV/GP
for Jack Henry & Associates Inc.

Provide EV/EBITDA
for Jack Henry & Associates Inc.

Provide EV/EBIT
for Jack Henry & Associates Inc.

Provide EV/OCF
for Jack Henry & Associates Inc.

Provide EV/FCFF
for Jack Henry & Associates Inc.

Provide EV/IC
for Jack Henry & Associates Inc.

Show me price targets
for Jack Henry & Associates Inc made by professional analysts.

What are the Revenue projections
for Jack Henry & Associates Inc?

How accurate were the past Revenue estimates
for Jack Henry & Associates Inc?

What are the Net Income projections
for Jack Henry & Associates Inc?

How accurate were the past Net Income estimates
for Jack Henry & Associates Inc?

What are the EPS projections
for Jack Henry & Associates Inc?

How accurate were the past EPS estimates
for Jack Henry & Associates Inc?

What are the EBIT projections
for Jack Henry & Associates Inc?

How accurate were the past EBIT estimates
for Jack Henry & Associates Inc?

Compare the revenue forecasts
for Jack Henry & Associates Inc with those of its competitors based on recent analyst estimates.

Compare the intrinsic valuations
of Jack Henry & Associates Inc and its key competitors using the latest financial data.

Compare historical revenue growth rates
of Jack Henry & Associates Inc against its competitors.

Analyze the profit margins
(gross, operating, and net) of Jack Henry & Associates Inc compared to its peers.

Compare the P/E ratios
of Jack Henry & Associates Inc against its peers.

Discuss the investment returns and shareholder value creation
comparing Jack Henry & Associates Inc with its peers.

Analyze the financial leverage
of Jack Henry & Associates Inc compared to its main competitors.

Show all profitability ratios
for Jack Henry & Associates Inc.

Provide ROE
for Jack Henry & Associates Inc.

Provide ROA
for Jack Henry & Associates Inc.

Provide ROIC
for Jack Henry & Associates Inc.

Provide ROCE
for Jack Henry & Associates Inc.

Provide Gross Margin
for Jack Henry & Associates Inc.

Provide Operating Margin
for Jack Henry & Associates Inc.

Provide Net Margin
for Jack Henry & Associates Inc.

Provide FCF Margin
for Jack Henry & Associates Inc.

Show all solvency ratios
for Jack Henry & Associates Inc.

Provide D/E Ratio
for Jack Henry & Associates Inc.

Provide D/A Ratio
for Jack Henry & Associates Inc.

Provide Interest Coverage Ratio
for Jack Henry & Associates Inc.

Provide Altman Z-Score Ratio
for Jack Henry & Associates Inc.

Provide Quick Ratio
for Jack Henry & Associates Inc.

Provide Current Ratio
for Jack Henry & Associates Inc.

Provide Cash Ratio
for Jack Henry & Associates Inc.

What is the historical Revenue growth
over the last 5 years for Jack Henry & Associates Inc?

What is the historical Net Income growth
over the last 5 years for Jack Henry & Associates Inc?

What is the current Free Cash Flow
of Jack Henry & Associates Inc?

Discuss the annual earnings per share (EPS)
trend over the past five years for Jack Henry & Associates Inc.

Business Breakdown

Jack Henry & Associates Inc. is a leading provider of technology solutions and payment processing services primarily for banks and credit unions throughout the United States. Founded in 1976, the company has steadily grown by focusing on delivering innovative software and services that streamline financial operations and enhance customer experience. With its comprehensive suite of offerings—including core processing systems, digital banking solutions, and robust payment services—Jack Henry addresses the evolving needs of its financial institution clients, enabling them to compete effectively in an increasingly digital landscape. The company's commitment to quality and partnership has earned...

Read More
Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Jack Henry & Associates Inc

Current Assets 632m
Cash & Short-Term Investments 38.3m
Receivables 372.8m
Other Current Assets 220.9m
Non-Current Assets 2.3B
Long-Term Investments 25.8m
PP&E 269.1m
Intangibles 1.5B
Other Non-Current Assets 521.2m
Current Liabilities 633.8m
Accounts Payable 25.3m
Accrued Liabilities 200.8m
Other Current Liabilities 407.7m
Non-Current Liabilities 448.3m
Long-Term Debt 60m
Other Non-Current Liabilities 388.3m
Efficiency

Earnings Waterfall
Jack Henry & Associates Inc

Revenue
2.2B USD
Cost of Revenue
-1.3B USD
Gross Profit
916.1m USD
Operating Expenses
-426.7m USD
Operating Income
489.4m USD
Other Expenses
-107.6m USD
Net Income
381.8m USD

Free Cash Flow Analysis
Jack Henry & Associates Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

Jack Henry posted a strong Q1 for fiscal 2025, with non-GAAP revenue growth of 5.3%, surpassing the forecast of 5.25%. The company reaffirmed its full-year revenue growth guidance of 7% to 8%. Non-GAAP margin contraction was limited to 89 basis points, less than the anticipated 100 basis points. The quarter also saw record sales with six core wins, including a $7 billion institution. Q2 is projected to see non-GAAP revenue growth around 6%, while margins are expected to remain flat. The firm is optimistic about accelerating growth in the latter half of the year due to favorable comps and ongoing implementation success.

What is Earnings Call?
Fundamental Scores

JKHY Profitability Score
Profitability Due Diligence

Jack Henry & Associates Inc's profitability score is 62/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive 3-Year Average ROE
Positive Free Cash Flow
Positive Operating Income
62/100
Profitability
Score

Jack Henry & Associates Inc's profitability score is 62/100. The higher the profitability score, the more profitable the company is.

JKHY Solvency Score
Solvency Due Diligence

Jack Henry & Associates Inc's solvency score is 82/100. The higher the solvency score, the more solvent the company is.

High Interest Coverage
High Altman Z-Score
Low D/E
Long-Term Solvency
82/100
Solvency
Score

Jack Henry & Associates Inc's solvency score is 82/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

JKHY Price Targets Summary
Jack Henry & Associates Inc

Wall Street analysts forecast JKHY stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for JKHY is 196.78 USD with a low forecast of 176.75 USD and a high forecast of 222.6 USD.

Lowest
Price Target
176.75 USD
2% Upside
Average
Price Target
196.78 USD
14% Upside
Highest
Price Target
222.6 USD
29% Upside
View Analyst Estimates
View Analyst Estimates
Want to learn more about Wall St estimates for JKHY?

Click here to dive deeper.

Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for JKHY is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest
Debt Paydown Yield
Lowest
Average
Highest

Ownership

JKHY Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

JKHY News

Other Videos

Profile

Jack Henry & Associates Inc Logo
Jack Henry & Associates Inc

Country

United States of America

Industry

Technology

Market Cap

12.6B USD

Dividend Yield

1.26%

Description

Jack Henry & Associates, Inc. engages in the provision of technology solutions and payment processing services primarily for financial services organizations. The company is headquartered in Monett, Missouri and currently employs 6,714 full-time employees. The firm 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 consists of integrated applications required to process deposit, loan, and general ledger transactions, and maintain centralized customer/member information. The Payments segment provides secure payment processing tools and services, including automated teller machine (ATM), debit, and credit card processing services; online and mobile bill pay solutions; automated clearinghouse (ACH) origination and remote deposit capture processing; and risk management products and services. The Complementary segment provides additional software and services that can be integrated with the Company's core solutions or used independently.

Contact

MISSOURI
Monett
PO Box 807, 663 Hwy 60
+14172356652.0
www.jackhenry.com

IPO

1985-11-21

Employees

6 714

Officers

Executive Chairman
Mr. David B. Foss
CEO & President
Mr. Gregory R. Adelson
CFO & Treasurer
Ms. Mimi L. Carsley
General Counsel & Secretary
Mr. Craig Keith Morgan
Senior VP, Executive Officer & COO
Mr. Shanon McLachlan
Senior VP, Chief Accounting Officer & Assistant Treasurer
Ms. Renee A. Swearingen
Show More
VP and Chief Digital & Technology Officer
Mr. Benjamin Metz
VP & Chief Information Officer
Mr. Rob Zelinka
Vice President of Investor Relations
Mr. Vance Sherard C.F.A.
Chief Compliance Officer
Mr. Michael Carnovali
Show Less

See Also

Discover More
What is the Intrinsic Value of one JKHY stock?

The intrinsic value of one JKHY stock under the Base Case scenario is 143.93 USD.

Is JKHY stock undervalued or overvalued?

Compared to the current market price of 172.5 USD, Jack Henry & Associates Inc is Overvalued by 17%.

Back to Top