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Jack Henry & Associates, Inc.(JKHY)Earnings, Financials & Key Ratios
JKHY•NASDAQ
$149.34
$10.81B mkt cap·23.9× P/E·Price updated May 6, 2026
AboutJack Henry & Associates, Inc. provides technology solutions and payment processing services primarily for financial services organizations in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutions under the Jack Henry Banking brand; core data processing solutions for various credit unions under the Symitar brand; and specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial institutions and corporate entities under the ProfitStars brand. It also provides a suite of integrated applications required to process deposit, loan, and general ledger transactions, as well as to maintain centralized customer/member information; and complementary products and services that enable core bank and credit union clients to respond to evolving customer/member demands. The company's Jack Henry Banking business brand offers SilverLake, a robust primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven, easy-to-use system for banks; and Core Director, a cost-efficient system with point-and-click operation. Its Symitar business brand provides Episys, a robust designed for credit unions. In addition, the company offers digital products and services and electronic payment solutions; purchases and resells hardware systems, including servers, workstations, scanners, and other devices; and provides implementation, training, and support services. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri.Show more
- Revenue$2.38B+7.2%
- EBITDA$773M+12.2%
- Net Income$456M+19.4%
- EPS (Diluted)6.24+19.3%
- Gross Margin42.71%+3.3%
- EBITDA Margin32.56%+4.7%
- Operating Margin23.94%+8.4%
- Net Margin19.19%+11.3%
- ROE21.39%+11.3%
- ROIC21.02%+14.1%
- Interest Coverage57.14+82.0%
JKHY Key Insights
Jack Henry & Associates, Inc. (JKHY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Dividend Aristocrat: 32 years of consecutive increases
- ✓Excellent 3Y average ROE of 20.6%
- ✓FCF machine: 24.8% free cash flow margin
- ✓High quality earnings: Operating CF exceeds net income
- ✓Healthy 5Y average net margin of 18.1%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
JKHY Price & Volume
Jack Henry & Associates, Inc. (JKHY) stock price & volume — 10-year historical chart
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JKHY Growth Metrics
Jack Henry & Associates, Inc. (JKHY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.58%
5 Years6.96%
3 Years6.93%
TTM8.41%
Profit CAGR
10 Years7.99%
5 Years8.97%
3 Years7.89%
TTM25.21%
EPS CAGR
10 Years9.19%
5 Years10.08%
3 Years8.1%
TTM25.63%
Return on Capital
10 Years23.38%
5 Years21.56%
3 Years21.41%
Last Year22.67%
JKHY Recent Earnings
Jack Henry & Associates, Inc. (JKHY) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 7/12 qtrs (58%)
Q1 2026Latest
Feb 3, 2026EPS
$1.72
Est $1.43
+20.3%
Revenue
$619M
Est $610M
+1.6%
Q4 2025
Nov 4, 2025EPS
$1.97
Est $1.71
+15.2%
Revenue
$645M
Est $636M
+1.4%
Q3 2025
Aug 19, 2025EPS
$1.75
Est $1.58
+10.8%
Revenue
$615M
Est $605M
+1.8%
Q2 2025
May 6, 2025EPS
$1.52
Est $1.37
+10.9%
Revenue
$585M
Est $587M
-0.4%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 3, 2026 | $1.72vs $1.43+20.3% | $619Mvs $610M+1.6% |
| Q4 2025 | Nov 4, 2025 | $1.97vs $1.71+15.2% | $645Mvs $636M+1.4% |
| Q3 2025 | Aug 19, 2025 | $1.75vs $1.58+10.8% | $615Mvs $605M+1.8% |
| Q2 2025 | May 6, 2025 | $1.52vs $1.37+10.9% | $585Mvs $587M-0.4% |
Based on last 12 quarters of dataView full earnings history →
JKHY Peer Comparison
Jack Henry & Associates, Inc. (JKHY) competitors in Payments Processing and Fintech Services — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FIS | 24.14B | 46.61 | 62.15 | 5.43% | 3.51% | 2.75% | 10.17% | 0.29 |
 FISV | 30.63B | 57.28 | 9.03 | 3.6% | 15.17% | 12.43% | 14.17% | 1.13 |
 NTRS | 29.95B | 161.60 | 18.49 | -9.93% | 12.15% | 13.45% | 18.23% | 1.27 |
 CSL | 14.53B | 355.38 | 20.76 | 0.33% | 14.57% | 34.48% | 6.68% | 1.60 |
 PCTY | 5.8B | 107.68 | 26.79 | 13.74% | 14.19% | 21.69% | 5.91% | 0.18 |
 EVTC | 1.82B | 28.38 | 12.84 | 1913.07% | 2.2% | 4.44% | 100% | 1.39 |
 CSGP | 14.79B | 34.90 | 2102.41 | 18.67% | 0.74% | 0.3% | 0.28% | 0.14 |
 IIIV | 494.91M | 22.40 | 40 | -7.29% | 7.33% | 3.22% | 0.76% | 0.01 |
Compare JKHY vs Peers
Jack Henry & Associates, Inc. (JKHY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
JKHY Income Statement
Jack Henry & Associates, Inc. (JKHY) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 1.43B | 1.54B | 1.55B | 1.7B | 1.76B | 1.94B | 2.08B | 2.22B | 2.38B | 2.46B |
| Revenue Growth % | 5.65% | 7.37% | 1.05% | 9.3% | 3.6% | 10.5% | 6.94% | 6.63% | 7.21% | 8.41% |
| Cost of Goods Sold | 819.03M | 873.64M | 923.03M | 1.01B | 1.06B | 1.13B | 1.22B | 1.3B | 1.36B | 1.38B |
| COGS % of Revenue | 57.23% | 56.86% | 59.45% | 59.42% | 60.48% | 58.09% | 58.67% | 58.65% | 57.29% | - |
| Gross Profit | 612.08M▲ 0% | 662.96M▲ 8.3% | 629.66M▼ 5.0% | 688.6M▲ 9.4% | 694.83M▲ 0.9% | 814.27M▲ 17.2% | 858.64M▲ 5.4% | 916.07M▲ 6.7% | 1.01B▲ 10.7% | 1.08B▲ 0% |
| Gross Margin % | 42.77% | 43.14% | 40.55% | 40.58% | 39.52% | 41.91% | 41.33% | 41.35% | 42.71% | 43.84% |
| Gross Profit Growth % | 5.35% | 8.31% | -5.02% | 9.36% | 0.9% | 17.19% | 5.45% | 6.69% | 10.75% | - |
| Operating Expenses | 247.65M | 272.49M | 282.38M | 307.98M | 296.11M | 339.65M | 377.95M | 426.68M | 445.83M | 442.86M |
| OpEx % of Revenue | 17.3% | 17.73% | 18.19% | 18.15% | 16.84% | 17.48% | 18.19% | 19.26% | 18.77% | - |
| Selling, General & Admin | 162.9M | 182.15M | 186M | 197.99M | 187.06M | 218.3M | 235.27M | 278.42M | 283.06M | 279.36M |
| SG&A % of Revenue | 11.38% | 11.85% | 11.98% | 11.67% | 10.64% | 11.24% | 11.32% | 12.57% | 11.92% | - |
| Research & Development | 84.75M | 90.34M | 96.38M | 109.99M | 109.05M | 121.36M | 142.68M | 148.26M | 162.77M | 163.5M |
| R&D % of Revenue | 5.92% | 5.88% | 6.21% | 6.48% | 6.2% | 6.25% | 6.87% | 6.69% | 6.85% | - |
| Other Operating Expenses | 36K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Income | 367.7M▲ 0% | 392.37M▲ 6.7% | 347.24M▼ 11.5% | 380.63M▲ 9.6% | 398.72M▲ 4.8% | 474.62M▲ 19.0% | 480.69M▲ 1.3% | 489.39M▲ 1.8% | 568.72M▲ 16.2% | 637.65M▲ 0% |
| Operating Margin % | 25.69% | 25.53% | 22.36% | 22.43% | 22.68% | 24.43% | 23.14% | 22.09% | 23.94% | 25.87% |
| Operating Income Growth % | 1.67% | 6.71% | -11.5% | 9.62% | 4.75% | 19.04% | 1.28% | 1.81% | 16.21% | - |
| EBITDA | 507.49M | 638.69M | 618.76M | 552.43M | 696.61M | 652.24M | 671.41M | 689.29M | 773.47M | 845.2M |
| EBITDA Margin % | 35.46% | 41.57% | 39.85% | 32.55% | 39.62% | 33.57% | 32.32% | 31.11% | 32.56% | 34.29% |
| EBITDA Growth % | 3.29% | 25.85% | -3.12% | -10.72% | 26.1% | -6.37% | 2.94% | 2.66% | 12.21% | 18.21% |
| D&A (Non-Cash Add-back) | 139.79M | 246.32M | 271.53M | 171.81M | 297.89M | 177.62M | 190.73M | 199.9M | 204.75M | 207.55M |
| EBIT | 341.96M | 358.08M | 348.16M | 380.63M | 398.72M | 474.65M | 489.65M | 514.4M | 596.47M | 663.23M |
| Net Interest Income | -748K | -1.34M | -50K | 449K | -994K | -2.35M | -6.11M | 8.63M | 17.32M | 18.72M |
| Interest Income | 248K | 575K | 876K | 1.14M | 150K | 32K | 8.96M | 25.01M | 27.76M | 25.58M |
| Interest Expense | 996K | 1.92M | 926K | 688K | 1.14M | 2.38M | 15.07M | 16.38M | 10.44M | 6.86M |
| Other Income/Expense | -748K | -1.34M | -50K | 449K | -994K | -2.35M | -6.11M | 8.63M | 17.32M | 18.72M |
| Pretax Income | 366.95M▲ 0% | 391.02M▲ 6.6% | 347.24M▼ 11.2% | 381.08M▲ 9.7% | 397.73M▲ 4.4% | 472.27M▲ 18.7% | 474.57M▲ 0.5% | 498.02M▲ 4.9% | 586.04M▲ 17.7% | 656.37M▲ 0% |
| Pretax Margin % | 25.64% | 25.45% | 22.36% | 22.45% | 22.62% | 24.31% | 22.84% | 22.48% | 24.67% | 26.63% |
| Income Tax | 121.16M | 14.36M | 75.35M | 84.41M | 86.26M | 109.35M | 107.93M | 116.2M | 130.29M | 149M |
| Effective Tax Rate % | 33.02% | 3.67% | 21.7% | 22.15% | 21.69% | 23.15% | 22.74% | 23.33% | 22.23% | 22.7% |
| Net Income | 245.79M▲ 0% | 376.66M▲ 53.2% | 271.88M▼ 27.8% | 296.67M▲ 9.1% | 311.47M▲ 5.0% | 362.92M▲ 16.5% | 366.65M▲ 1.0% | 381.82M▲ 4.1% | 455.75M▲ 19.4% | 507.37M▲ 0% |
| Net Margin % | 17.17% | 24.51% | 17.51% | 17.48% | 17.71% | 18.68% | 17.65% | 17.23% | 19.19% | 20.59% |
| Net Income Growth % | -1.24% | 53.24% | -27.82% | 9.12% | 4.99% | 16.52% | 1.03% | 4.14% | 19.36% | 25.21% |
| Net Income (Continuing) | 245.79M | 365.03M | 271.88M | 296.67M | 311.47M | 362.92M | 366.65M | 381.82M | 455.75M | 507.37M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 3.14▲ 0% | 4.85▲ 54.5% | 3.52▼ 27.4% | 3.86▲ 9.7% | 4.12▲ 6.7% | 4.94▲ 19.9% | 5.02▲ 1.6% | 5.23▲ 4.2% | 6.24▲ 19.3% | 7.01▲ 0% |
| EPS Growth % | 0.64% | 54.46% | -27.42% | 9.66% | 6.74% | 19.9% | 1.62% | 4.18% | 19.31% | 25.63% |
| EPS (Basic) | 3.17 | 4.88 | 3.52 | 3.86 | 4.12 | 4.95 | 5.03 | 5.24 | 6.24 | - |
| Diluted Shares Outstanding | 78.25M | 77.58M | 77.35M | 76.93M | 75.66M | 73.49M | 73.1M | 73.03M | 73.05M | 72.41M |
| Basic Shares Outstanding | 77.42M | 77.17M | 77.16M | 76.79M | 75.6M | 72.88M | 72.89M | 72.87M | 73.05M | 72.41M |
| Dividend Payout Ratio | 37.31% | 27.88% | 43.67% | 42.95% | 44.65% | 38.32% | 40.16% | 40.83% | 36.13% | - |
JKHY Balance Sheet
Jack Henry & Associates, Inc. (JKHY) balance sheet — assets, liabilities & shareholders' equity
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 520.03M | 468.54M | 569.45M | 669.1M | 613.52M | 627.96M | 632.02M | 681.46M | 681.46M | 530.81M |
| Cash & Short-Term Investments | 114.77M | 31.44M | 93.63M | 213.34M | 48.79M | 12.24M | 38.28M | 101.95M | 101.95M | 28.22M |
| Cash Only | 114.77M | 31.44M | 93.63M | 213.34M | 48.79M | 12.24M | 38.28M | 101.95M | 101.95M | 28.22M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 297.06M | 311.33M | 310.08M | 322M | 361.89M | 368.77M | 339.18M | 317.98M | 317.98M | 337.75M |
| Days Sales Outstanding | 75.76 | 73.95 | 72.89 | 69.25 | 75.13 | 69.28 | 59.59 | 52.39 | 48.86 | 46.15 |
| Inventory | 41.31M | 40.49M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | 18.41 | 16.92 | - | - | - | - | - | - | - | - |
| Other Current Assets | 41.31M | 45.96M | 20.01M | 38.23M | 77.31M | 246.94M | 254.55M | 261.53M | 261.53M | 164.84M |
| Total Non-Current Assets | 1.39B | 1.58B | 1.62B | 1.76B | 1.84B | 2.15B | 2.29B | 2.36B | 2.36B | 2.53B |
| Property, Plant & Equipment | 282.93M | 286.85M | 272.47M | 273.43M | 211.71M | 205.66M | 215.07M | 220.96M | 220.96M | 256.94M |
| Fixed Asset Turnover | 5.06x | 5.36x | 5.70x | 6.21x | 8.30x | 9.45x | 9.66x | 10.03x | 10.75x | 10.90x |
| Goodwill | 552.47M | 649.93M | 666.94M | 686.33M | 687.46M | 804.8M | 804.8M | 804.8M | 804.8M | 827.74M |
| Intangible Assets | 374.14M | 441.67M | 451.14M | 465.49M | 505.6M | 651.24M | 671.67M | 685.26M | 685.26M | 712.43M |
| Long-Term Investments | 21.98M | 40.63M | 55.64M | 0 | 0 | 0 | 0 | 0 | 0 | 300.08M |
| Other Non-Current Assets | 104.51M | 146.57M | 138.26M | 334.12M | 437.28M | 484.16M | 600.93M | 651.49M | 651.49M | 2.36B |
| Total Assets | 1.91B▲ 0% | 2.05B▲ 7.4% | 2.03B▼ 0.8% | 2.43B▲ 19.4% | 2.46B▲ 1.1% | 2.77B▲ 13.0% | 2.92B▲ 5.4% | 3.04B▲ 4.1% | 3.04B▲ 0.0% | 3.06B▲ 0% |
| Asset Turnover | 0.75x | 0.75x | 0.76x | 0.70x | 0.72x | 0.70x | 0.71x | 0.73x | 0.78x | 0.82x |
| Asset Growth % | 5.15% | 7.41% | -0.84% | 19.45% | 1.12% | 12.96% | 5.43% | 4.09% | 0% | 9.16% |
| Total Current Liabilities | 471.19M | 487.9M | 469.96M | 494.85M | 543.83M | 523.76M | 633.81M | 535.78M | 535.78M | 384.93M |
| Accounts Payable | 6.84M | 30.36M | 9.85M | 9.88M | 21.03M | 19.16M | 25.31M | 28.19M | 28.19M | 17.5M |
| Days Payables Outstanding | 3.05 | 12.68 | 3.9 | 3.58 | 7.22 | 6.2 | 7.58 | 7.92 | 7.56 | 5.03 |
| Short-Term Debt | 0 | 0 | 0 | 115K | 67K | 0 | 90M | 0 | 0 | 9.58M |
| Deferred Revenue (Current) | 511.38M | 448.63M | 369.92M | 318.16M | 330.69M | 331.97M | 317.73M | 290.49M | 290.49M | 873.21M |
| Other Current Liabilities | 0 | 0 | 0 | -115K | -67K | 0 | 0 | 0 | 0 | 164.82M |
| Current Ratio | 1.10x | 0.96x | 1.21x | 1.35x | 1.13x | 1.20x | 1.00x | 1.27x | 1.27x | 1.27x |
| Quick Ratio | 1.02x | 0.88x | 1.21x | 1.35x | 1.13x | 1.20x | 1.00x | 1.27x | 1.27x | 1.27x |
| Cash Conversion Cycle | 91.13 | 78.19 | - | - | - | - | - | - | - | 41.12 |
| Total Non-Current Liabilities | 405.7M | 295.58M | 285.85M | 383.94M | 530.11M | 641.56M | 448.3M | 377.35M | 377.35M | 472.05M |
| Long-Term Debt | 50M | 0 | 0 | 208K | 115M | 275M | 60M | 0 | 0 | 58.91M |
| Capital Lease Obligations | 0 | 0 | 0 | 208K | 0 | 0 | 0 | 0 | 0 | 78.43M |
| Deferred Tax Liabilities | 219.54M | 189.61M | 217.01M | 244M | 292.63M | 244.43M | 243.52M | 240.03M | 240.03M | 1.06B |
| Other Non-Current Liabilities | 7.55M | 295.58M | 14.29M | 68.07M | 51M | 54.37M | 73.58M | 64.44M | 64.44M | 107M |
| Total Liabilities | 876.89M | 783.48M | 710.21M | 878.79M | 1.07B | 1.17B | 1.08B | 913.14M | 913.14M | 856.99M |
| Total Debt | 50M | 0 | 0 | 646K | 115.13M | 275M | 150M | 0 | 0 | 107.41M |
| Net Debt | -64.77M | -31.44M | -31.44M | -212.7M | 66.35M | 262.76M | 111.72M | -101.95M | -101.95M | 79.19M |
| Debt / Equity | 0.05x | - | - | 0.00x | 0.08x | 0.17x | 0.08x | - | - | 0.05x |
| Debt / EBITDA | 0.10x | - | - | 0.00x | 0.17x | 0.42x | 0.22x | - | - | 0.13x |
| Net Debt / EBITDA | -0.13x | -0.05x | -0.05x | -0.39x | 0.10x | 0.40x | 0.17x | -0.15x | -0.13x | -0.13x |
| Interest Coverage | 343.34x | 186.50x | 375.98x | 553.24x | 348.53x | 199.10x | 32.49x | 31.40x | 57.14x | 96.67x |
| Total Equity | 1.03B▲ 0% | 1.27B▲ 22.7% | 1.32B▲ 4.4% | 1.55B▲ 17.1% | 1.38B▼ 10.8% | 1.61B▲ 16.4% | 1.84B▲ 14.5% | 2.13B▲ 15.7% | 2.13B▲ 0.0% | 2.2B▲ 0% |
| Equity Growth % | 3.6% | 22.75% | 4.42% | 17.15% | -10.85% | 16.42% | 14.54% | 15.66% | 0% | 24.41% |
| Book Value per Share | 13.19 | 16.33 | 17.10 | 20.14 | 18.26 | 21.89 | 25.20 | 29.18 | 29.17 | 30.42 |
| Total Shareholders' Equity | 1.03B | 1.32B | 1.43B | 1.55B | 1.38B | 1.61B | 1.84B | 2.13B | 2.13B | 2.2B |
| Common Stock | 1.03M | 1.03M | 1.03M | 1.04M | 1.04M | 1.04M | 1.04M | 1.04M | 1.04M | 1.04M |
| Retained Earnings | 1.59B | 1.86B | 2.07B | 2.24B | 2.64B | 2.86B | 3.08B | 3.37B | 3.37B | 3.56B |
| Treasury Stock | -1.01B | -1.06B | -1.11B | -1.18B | -1.81B | -1.83B | -1.86B | -1.9B | -1.9B | -2.02B |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
JKHY Cash Flow Statement
Jack Henry & Associates, Inc. (JKHY) cash flow — operating, investing & free cash flow history
| Line item | Jun'17 | Jun'18 | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 357.32M | 412.14M | 431.13M | 510.53M | 504.63M | 504.63M | 381.56M | 568.04M | 641.5M | 641.5M |
| Operating CF Margin % | 24.97% | 26.82% | 27.77% | 30.08% | 28.7% | 25.97% | 18.36% | 25.64% | 27.01% | - |
| Operating CF Growth % | -2.13% | 15.34% | 4.61% | 18.42% | -1.16% | 0% | -24.39% | 48.87% | 12.93% | 125.11% |
| Net Income | 245.79M | 365.03M | 271.88M | 296.67M | 362.92M | 362.92M | 366.65M | 381.82M | 455.75M | 507.37M |
| Depreciation & Amortization | 139.79M | 246.32M | 271.53M | 171.81M | 177.62M | 177.62M | 190.73M | 199.9M | 204.75M | 207.55M |
| Stock-Based Compensation | 11.13M | 11.76M | 12.59M | 16.88M | 24.78M | 24.78M | 28.61M | 28.87M | 28.39M | 19.17M |
| Deferred Taxes | 30.94M | -74.88M | 7.6M | 24.58M | 31.87M | 31.87M | -48.2M | -909K | -3.5M | 74.98M |
| Other Non-Cash Items | 30.76M | -954K | 161K | 4.74M | 400K | 400K | -4.52M | 3.84M | 1.97M | 5.07M |
| Working Capital Changes | -75.1M | -40.8M | -21.74M | -4.14M | -92.96M | -92.96M | -151.71M | -45.48M | -45.86M | -105.92M |
| Change in Receivables | -22.5M | 21.49M | -11.78M | 10.54M | -41.51M | -41.51M | -12.07M | 28.22M | 15.06M | -13.37M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | -7.81M | 6.92M | -7.53M | -47K | 6.65M | 6.65M | -6.28M | 5.43M | 2.65M | -110K |
| Cash from Investing | -141.59M | -291.83M | -190.63M | -197.91M | -196.34M | -196.34M | -409.67M | -240.16M | -232.16M | -268.17M |
| Capital Expenditures | -148.19M | -149.92M | -170.76M | -177.51M | -191.39M | -191.39M | -206.98M | -232.42M | -231.17M | -237.85M |
| CapEx % of Revenue | 10.35% | 9.76% | 11% | 10.46% | 10.89% | 9.85% | 9.96% | 10.49% | 9.73% | - |
| Acquisitions | 6.6M | -136.91M | -19.85M | -30.38M | 0 | 45K | -201.69M | 904K | 3K | -17.82M |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | 0 | 0 | -20K | 11.13M | 45K | 0 | 0 | 0 | 0 | 0 |
| Cash from Financing | -171.28M | -203.64M | -178.31M | -192.91M | -310.49M | -310.49M | -8.43M | -301.83M | -345.67M | -437.48M |
| Debt Issued (Net) | 49.8M | -50M | 0 | -33K | 14.87M | 14.87M | 159.94M | -125M | -150M | -130M |
| Equity Issued (Net) | -123.89M | -41.29M | -45.59M | -61.72M | -182.14M | -182.14M | -12.63M | -15.58M | -23.3M | -131.68M |
| Dividends Paid | -91.71M | -105.02M | -118.75M | -127.42M | -139.07M | -139.07M | -147.24M | -155.88M | -164.64M | -168.43M |
| Share Repurchases | -130.14M | -48.99M | -54.86M | -71.55M | -193.92M | -193.92M | -25M | -28.05M | -35.05M | -143.24M |
| Other Financing | -5.48M | -7.33M | -13.97M | -3.74M | -4.15M | -4.15M | -8.51M | -5.38M | -7.73M | -7.37M |
| Net Change in Cash | 44.45M▲ 0% | -83.33M▼ 287.4% | 62.19M▲ 174.6% | 119.72M▲ 92.5% | -2.21M▼ 101.8% | -2.21M▲ 0.0% | -36.54M▼ 1557.3% | 26.04M▲ 171.3% | 63.67M▲ 144.5% | 2.56M▲ 0% |
| Free Cash Flow | 315.38M▲ 0% | 372.01M▲ 18.0% | 377.53M▲ 1.5% | 333.02M▼ 11.8% | 313.24M▼ 5.9% | 469.97M▲ 50.0% | 342.38M▼ 27.1% | 509.92M▲ 48.9% | 588.15M▲ 15.3% | 654.23M▲ 0% |
| FCF Margin % | 22.04% | 24.21% | 24.31% | 19.62% | 17.82% | 24.19% | 16.48% | 23.02% | 24.76% | 26.55% |
| FCF Growth % | 2.13% | 17.96% | 1.48% | -11.79% | -5.94% | 50.03% | -27.15% | 48.93% | 15.34% | 38.38% |
| FCF per Share | 4.03 | 4.79 | 4.88 | 4.33 | 4.14 | 6.40 | 4.68 | 6.98 | 8.05 | 8.05 |
| FCF Conversion (FCF/Net Income) | 1.45x | 1.09x | 1.59x | 1.72x | 1.62x | 1.39x | 1.04x | 1.49x | 1.41x | 1.29x |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
JKHY Key Ratios
Jack Henry & Associates, Inc. (JKHY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 24.24% | 32.77% | 21% | 20.66% | 21.25% | 24.27% | 21.25% | 19.22% | 21.39% | 23.75% |
| Return on Invested Capital (ROIC) | 29.13% | 26.72% | 21.13% | 22.25% | 21.48% | 21.45% | 18.85% | 18.43% | 21.02% | 21.02% |
| Gross Margin | 42.77% | 43.14% | 40.55% | 40.58% | 39.52% | 41.91% | 41.33% | 41.35% | 42.71% | 43.84% |
| Net Margin | 17.17% | 24.51% | 17.51% | 17.48% | 17.71% | 18.68% | 17.65% | 17.23% | 19.19% | 20.59% |
| Debt / Equity | 0.05x | - | - | 0.00x | 0.08x | 0.17x | 0.08x | - | - | 0.05x |
| Interest Coverage | 343.34x | 186.50x | 375.98x | 553.24x | 348.53x | 199.10x | 32.49x | 31.40x | 57.14x | 96.67x |
| FCF Conversion | 1.45x | 1.09x | 1.59x | 1.72x | 1.62x | 1.39x | 1.04x | 1.49x | 1.41x | 1.29x |
| Revenue Growth | 5.65% | 7.37% | 1.05% | 9.3% | 3.6% | 10.5% | 6.94% | 6.63% | 7.21% | 8.41% |
JKHY SEC Filings & Documents
Jack Henry & Associates, Inc. (JKHY) SEC filings — annual & quarterly reports (10-K, 10-Q)
JKHY Frequently Asked Questions
Jack Henry & Associates, Inc. (JKHY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Jack Henry & Associates, Inc. (JKHY) reported $2.46B in revenue for fiscal year 2025. This represents a 3546% increase from $67.6M in 1996.
Jack Henry & Associates, Inc. (JKHY) grew revenue by 7.2% over the past year. This is steady growth.
Yes, Jack Henry & Associates, Inc. (JKHY) is profitable, generating $507.4M in net income for fiscal year 2025 (19.2% net margin).
Dividend & Returns
Yes, Jack Henry & Associates, Inc. (JKHY) pays a dividend with a yield of 1.51%. This makes it attractive for income-focused investors.
Jack Henry & Associates, Inc. (JKHY) has a return on equity (ROE) of 21.4%. This is excellent, indicating efficient use of shareholder capital.
Jack Henry & Associates, Inc. (JKHY) generated $654.2M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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