JKHY

JKHY

Jack Henry & Associates

$153.18

-0.99% Oct 21 close

FinancialsS&P 500 Compare

1M 3M 6M 1Y 2Y

JKHYSPY

-1.3%

+1.1%

+5.2%

-0.9%

YTD

-15.1%

-0.9%

Live chart

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What they do

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.

Technology · Information Technology Services

For information only · Important disclosures

Grades vs sector

Momentum

27th percentile in sector

D+

12-1 return: -2.4%
Percentile within its GICS sector across the S&P 1500.

Growth

23rd percentile in sector

Revenue growth (YoY): +4.7%
Percentile within its GICS sector across the S&P 1500.

Value

16th percentile in sector

D-

Forward E/P: 5.2% · EBITDA/EV: 6.5%
Percentile within its GICS sector across the S&P 1500.

Profitability

62nd percentile in sector

B-

Profit margin: +19.8% · Return on equity: +24.0%
Percentile within its GICS sector across the S&P 1500.

Revisions

Not enough data yet

–

EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Our models

Not held by any of our 5 live models right now.

Quality Growth

Outside this model's universe or screens

Momentum Top 15

ranked 224 of 499 · 12-month momentum 14.0%

Momentum Blend

Not in the current book

New Highs Growth

Outside this model's universe or screens

Coteau Long Book

Not in the current book

News

More news

Jack Henry Announces 2026 Cobalt Award Winners

PR Newswire · 7h ago

Jack Henry & Associates to Provide Webcast of First Quarter Fiscal 2027 Earnings Call

PR Newswire · 10h ago

Key stats

52-week range$122.97 – $190.35

Valuation and fundamentals

Valuation & fundamentals

Bottom line

Leans undervalued

Model read-out from the numbers below, not advice. Score +2 (DCF counts double).

▲DCF (base case)above the price by 27%

•Piotroski F-score6/9

▲Net debt / EBITDA0.0x

Discounted cash flow

Bear

$122

-20%

growth 2% · disc. 10.2% · term. 2.0%

Base

$194

+27%

growth 7% · disc. 9.2% · term. 2.5%

Bull

$292

+90%

growth 10% · disc. 8.2% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal

Not enough data to run a reverse DCF.

Edit assumptions · recalculates instantly

Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (FY to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.00 (n/a) × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Financials

P/E (trailing)

sector median 13.0×

–

Forward P/E

sector median 10.2×

–

EV / EBITDA

sector median 10.9×

–

Price / sales

sector median 2.8×

–

Price / book

sector median 1.6×

–

FCF yield

sector median 8.2%

–

Backlog (remaining performance obligations)

RPO

$8.4B

as of 2026-06-30

vs a year ago

+9%

YoY

× TTM revenue

3.32×

coverage

24-09

24-12

25-03

25-06

25-09

25-12

26-03

26-06

Contracted revenue not yet recognized, from SEC filings (XBRL tag RevenueRemainingPerformanceObligation).

Quality & financial health

Gross margin

24.1%

Operating margin

25.0%

FCF margin

27.3%

Net margin

19.8%

Return on equity

24.5%

Return on invested capital

23.5%

Net debt / EBITDA

0.0×

Current ratio

1.2×

Interest cover

35.0×

Cash conversion (OCF/NI)

1.5×

Piotroski F-score 6/9 · last two fiscal years

✓ Positive net income✓ Positive operating cash flow✓ Return on assets improved✓ Cash flow above net income✗ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✓ Asset turnover improved

Analysts

No analyst targets available.

Annual history

FY	Revenue	Net income	Free cash flow
2026	$2.5B	$502.8M	$694.9M
2025	$2.4B	$455.7M	$588.1M
2024	$2.2B	$381.8M	$509.9M
2023	$2.1B	$366.6M	$342.4M
2022	$1.9B	$362.9M	$470.0M
2021	$1.8B	$311.5M	$439.1M

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +7.0%.

Earnings

Next report: –

No EPS history available.

Stats refreshed – ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now

coteau

Independent research · Not investment advice · Important disclosures · Contact desk@coteau.app

Coteau Systematic Strategies publishes stock research and model portfolios. Results are hypothetical unless marked Live. Data: Yahoo Finance (15-min delayed), SEC EDGAR and the House Clerk.

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Beta 0.9 · Oct 21, 2026