Jack Henry & Associates
JKHY
145.69
+1.26
+0.87%
Jack Henry & Associates
US · JKHY
#1466 by market cap
Listed 1970
145.69
+1.26
+0.87%
Live - 5344 symbols - heartbeat 12s ago
· 2026-10-08 07:40
Pre-market
145.69
0.00%
After-hours
145.69
0.00%
Overnight
146.62
+0.64%
- Market cap
- 10.21B
- P/E (TTM)i
- 20.87
- P/Bi
- 4.98
- EPSi
- 6.98
- Div yieldi
- 1.63%
- 52W posi
- 36%
Reader sentiment
Are you bullish or bearish on JKHY?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 8.76, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +7.12% YoY
Margins
- Gross margin
- 43.65%
- Operating margin
- 24.96%
- Net margin
- 19.76%
Key ratios & quality
- PEG ratioi
- 1.88
- Altman Z-Scorei
- 8.76
PEG uses trailing P/E against the 3-year net income growth rate (11.10%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.55B | 1.70B | 1.76B | 1.94B | 2.08B | 2.22B | 2.38B | 2.54B |
| Gross profit | 629.66M | 688.60M | 694.83M | 814.27M | 858.64M | 916.07M | 1.01B | 1.11B |
| Selling & admin expenses | 186.00M | 197.99M | 187.06M | 218.30M | 235.27M | 278.42M | 283.06M | 299.21M |
| Research & development | 96.38M | 109.99M | 109.05M | 121.36M | 142.68M | 148.26M | 162.77M | 176.45M |
| Operating profit | 347.29M | 380.63M | 398.72M | 474.62M | 480.69M | 489.39M | 568.72M | 635.03M |
| Pretax profit | 347.24M | 381.08M | 397.73M | 472.27M | 474.57M | 498.02M | 586.04M | 652.79M |
| Tax | 75.35M | 84.41M | 86.26M | 109.35M | 107.93M | 116.20M | 130.29M | 150.01M |
| Net profit | 271.89M | 296.67M | 311.47M | 362.92M | 366.65M | 381.82M | 455.75M | 502.78M |
| Basic EPS | 4 | 4 | 4 | 5 | 5 | 5 | 6 | 7 |
| Diluted EPS | 3.52 | 3.86 | 4.12 | 4.94 | 5.02 | 5.23 | 6.24 | 6.98 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 585.09M | 615.37M | 644.74M | 619.33M | 636.25M | 644.02M |
| Gross profit | 244.50M | 271.49M | 296.17M | 268.35M | 272.32M | 273.85M |
| Selling & admin expenses | 66.35M | 73.22M | 72.83M | 66.97M | 72.17M | 87.25M |
| Research & development | 39.41M | 42.58M | 39.28M | 42.23M | 45.11M | 49.83M |
| Operating profit | 138.74M | 155.70M | 184.07M | 159.15M | 155.05M | 136.77M |
| Pretax profit | 141.91M | 159.95M | 190.32M | 164.19M | 158.54M | 139.74M |
| Tax | 30.80M | 32.35M | 46.33M | 39.53M | 35.65M | 28.51M |
| Net profit | 111.11M | 127.60M | 143.99M | 124.67M | 122.89M | 111.23M |
| Basic EPS | 2 | 2 | 2 | 2 | 2 | 2 |
| Diluted EPS | 1.52 | 1.75 | 1.97 | 1.72 | 1.71 | 1.57 |
Balance sheet
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 569.45M | 669.10M | 543.74M | 613.52M | 627.96M | 632.02M | 681.46M | 649.10M |
| Cash & ST investments | 93.63M | 213.35M | 50.99M | 48.79M | 12.24M | 38.28M | 101.95M | 12.06M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 2.18B | 2.43B | 2.34B | 2.46B | 2.77B | 2.92B | 3.04B | 3.15B |
| Total current liabilities | 469.96M | 494.85M | 520.86M | 543.83M | 523.76M | 633.81M | 535.78M | 556.24M |
| Short-term debt | -- | 115.00K | 110.00K | 67.00K | -- | 90.00M | -- | -- |
| Long-term debt | -- | -- | 100.00M | 115.00M | 275.00M | 60.00M | -- | 40.00M |
| Total liabilities | 755,816,000.00 | 878,786,000.00 | 1,016,864,000.00 | 1,073,941,000.00 | 1,165,316,000.00 | 1,082,117,000.00 | 913,138,000.00 | 1,093,762,000.00 |
| Total equity | 1.43B | 1.55B | 1.32B | 1.38B | 1.61B | 1.84B | 2.13B | 2.05B |
| Retained earnings | 2.07B | 2.24B | 2.41B | 2.64B | 2.86B | 3.08B | 3.37B | 3.71B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 593.24M | 681.46M | 651.66M | 615.83M | 594.84M | 649.10M |
| Cash & ST investments | 39.87M | 101.95M | 36.24M | 28.22M | 20.57M | 12.06M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 2.93B | 3.04B | 3.05B | 3.06B | 3.05B | 3.15B |
| Total current liabilities | 435.62M | 535.78M | 436.13M | 384.93M | 341.13M | 556.24M |
| Short-term debt | 90.00M | -- | -- | -- | -- | -- |
| Long-term debt | 80.00M | -- | 20.00M | 20.00M | 90.00M | 40.00M |
| Total liabilities | 895,587,000.00 | 913,138,000.00 | 874,238,000.00 | 856,986,000.00 | 915,746,000.00 | 1,093,762,000.00 |
| Total equity | 2.04B | 2.13B | 2.17B | 2.20B | 2.13B | 2.05B |
| Retained earnings | 3.29B | 3.37B | 3.47B | 3.56B | 3.64B | 3.71B |
Cash flow
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 431.13M | 510.53M | 462.13M | 504.63M | 381.56M | 568.04M | 641.50M | 761.96M |
| Depreciation & amortization | 160.63M | 171.81M | 175.75M | 177.62M | 190.73M | 199.90M | 204.75M | 213.24M |
| Free cash flow | 260.35M | 333.02M | 304.29M | 313.24M | 174.58M | 335.62M | 410.34M | 506.51M |
| Dividends paid | -118.75M | -127.42M | -133.80M | -139.07M | -147.24M | -155.88M | -164.64M | -170.41M |
| Stock buybacks / issuance | -45.82M | -61.72M | -420.60M | -182.14M | -12.63M | -15.58M | -23.30M | -436.54M |
| Ending cash balance | 93.63M | 213.35M | 50.99M | 48.79M | 12.24M | 38.28M | 101.95M | 12.06M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 107.85M | 327.11M | 120.59M | 152.66M | 186.03M | 302.67M |
| Depreciation & amortization | 51.01M | 51.49M | 51.89M | 53.16M | 53.65M | 54.54M |
| Free cash flow | 51.33M | 271.26M | 62.00M | 85.77M | 121.90M | 236.84M |
| Dividends paid | -42.27M | -42.18M | -42.15M | -41.83M | -43.48M | -42.95M |
| Stock buybacks / issuance | -14.53M | 3.06M | -58.95M | -61.27M | -155.71M | -160.60M |
| Ending cash balance | 39.87M | 101.95M | 36.24M | 28.22M | 20.57M | 12.06M |
Returns & efficiency
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 20.17 | 19.92 | 21.71 | 26.87 | 24.52 | 22.13 | 22.94 | 24.04 |
| ROA %i | 12.84 | 12.86 | 13.07 | 15.15 | 14.02 | 13.40 | 15.27 | 16.25 |
| ROIC %i | 20.17 | 19.89 | 21.03 | 25.01 | 21.97 | 18.92 | 22.26 | 22.95 |
| 5-year avg ROE %i | 24.00 | 23.67 | 23.01 | 23.85 | 22.56 | 23.03 | 23.64 | 24.10 |
| EBIT margin %i | 22.42 | 22.50 | 22.69 | 24.43 | 23.57 | 23.22 | 25.11 | 25.87 |
| FCF / sales %i | 16.77 | 19.62 | 17.31 | 16.12 | 8.40 | 15.15 | 17.28 | 19.91 |
| Current ratioi | 1.21 | 1.35 | 1.04 | 1.13 | 1.20 | 1.00 | 1.27 | 1.17 |
| Quick ratioi | 0.90 | 1.08 | 0.74 | 0.76 | 0.73 | 0.60 | 0.78 | 0.66 |
| Debt / assetsi | 0.00 | 0.01 | 4.29 | 4.69 | 9.91 | 5.13 | -- | 1.27 |
| LT debt / equityi | -- | 0.01 | 7.59 | 8.32 | 17.10 | 3.26 | -- | 1.95 |
| Interest coveragei | 375.98 | 554.89 | 348.66 | 199.10 | 32.49 | 31.40 | 57.14 | 122.18 |
| Revenue CAGR (3Y) %i | 4.65 | 6.92 | 6.13 | 7.76 | 6.98 | 8.01 | 6.93 | 6.99 |
| Net income CAGR (3Y) %i | 2.99 | 8.92 | -5.15 | 10.11 | 7.31 | 7.02 | 7.89 | 11.10 |
| FCF CAGR (3Y) %i | 8.85 | 16.77 | 5.08 | 6.36 | -19.37 | 3.32 | 9.42 | 42.63 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 22.49 | 22.94 | 23.45 | 24.28 | 24.89 | 24.04 |
| ROA %i | 15.05 | 15.27 | 16.08 | 16.99 | 17.36 | 16.25 |
| ROIC %i | 19.21 | 22.26 | 22.38 | 23.15 | 23.24 | 22.95 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 24.51 | 25.11 | 25.96 | 26.91 | 26.97 | 25.87 |
| FCF / sales %i | 13.05 | 17.28 | 17.08 | 19.09 | 21.50 | 19.91 |
| Current ratioi | 1.36 | 1.27 | 1.49 | 1.60 | 1.74 | 1.17 |
| Quick ratioi | 0.74 | 0.78 | 0.79 | 0.85 | 0.90 | 0.66 |
| Debt / assetsi | 5.80 | -- | 0.66 | 0.65 | 2.95 | 1.27 |
| LT debt / equityi | 3.93 | -- | 0.92 | 0.91 | 4.22 | 1.95 |
| Interest coveragei | 46.52 | 57.14 | 73.90 | 96.67 | 123.27 | 122.18 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Diversified
- Payments is the largest reported line at 36.79% of revenue, across 4 reported segments.
- No single line clears half of revenue; Core is next at 30.20%, spreading the business across more than one real driver.
Revenue breakdown most recent period
Business
Payments36.79%
Core30.20%
Complementary29.56%
Corporate services3.45%
Region
United States of America100.00%
Quote time 2026-10-08 07:40:08 · For reference only, not investment advice and not tailored to your situation.