Jack Henry & Associates Inc
NASDAQ:JKHY

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Jack Henry & Associates Inc
NASDAQ:JKHY
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Price: 177.11 USD 0.03% Market Closed
Market Cap: 12.9B USD
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Intrinsic Value

The intrinsic value of one JKHY stock under the Base Case scenario is 145.31 USD. Compared to the current market price of 177.11 USD, Jack Henry & Associates Inc is Overvalued by 18%.

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

JKHY Intrinsic Value
145.31 USD
Overvaluation 18%
Intrinsic Value
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Jack Henry & Associates Inc

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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.

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Fundamental Analysis

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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...

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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
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 189.56 USD with a low forecast of 166.65 USD and a high forecast of 216.3 USD.

Lowest
Price Target
166.65 USD
6% Downside
Average
Price Target
189.56 USD
7% Upside
Highest
Price Target
216.3 USD
22% Upside
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Dividends

Dividend Yield
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Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
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Safe
0
25
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Shareholder Yield

Current shareholder yield for JKHY is .

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Shareholder Yield
Dividend Yield
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Buyback Yield
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Debt Paydown Yield
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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
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JKHY News

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Profile

Jack Henry & Associates Inc Logo
Jack Henry & Associates Inc

Country

United States of America

Industry

Technology

Market Cap

12.9B USD

Dividend Yield

1.23%

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
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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
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See Also

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What is the Intrinsic Value of one JKHY stock?

The intrinsic value of one JKHY stock under the Base Case scenario is 145.31 USD.

Is JKHY stock undervalued or overvalued?

Compared to the current market price of 177.11 USD, Jack Henry & Associates Inc is Overvalued by 18%.

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