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JKHYJack Henry & Associates, Inc.
$173.23$12.3B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
JKHY logo

Jack Henry & Associates, Inc.

JKHY
NASDAQ · Payment Processors & Networks
$173.23
At close - Nov 6, 4:00 PM EST - USD
Market Cap$12.31B
P/E23.4x
52W High$193.39
Volume1.11M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2027Q1

Recurring Revenue Strength Offset By Lumpy Earnings Quality

JKHY's revenue has grown steadily from $559.9M in 2024Q4 to $701.5M in 2027Q1, and its balance sheet has strengthened, with equity rising toward $2.1B and debt-to-equity holding between 0.02 and 0.10.

GrowthStable
ProfitabilityModerate
ValuationExpensive
TechnicalsStrong
Explore valuation models
MARKET ACTION

JKHY price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

12/12 Beats

EPS beat 12 of last 12 quarters

02

Valuation risk

+11% Peers

P/E is 11% above peer median

03

Market leadership

RS 79 · Avg

Average momentum (RS Rating: 79)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Feb 3
01

Build the investment case

Start with the evidence for owning the stock and the risks that can break the thesis.

EXECUTIVE THESIS

The Investment Case

Full Analysis
Fundamental Trajectory

Revenue grew roughly 3% to 10% year over year while gross margin oscillated between 41.5% and 46.4% and EPS ranged from $1.34 to $2.28, indicating that earnings volatility substantially exceeds the stability implied by its recurring revenue base.

Analyst Consensus+8.8% target
Buy(24 analysts)
15 Buy9 Hold0 Sell

The Bull Case

Upside Catalysts

Strong valuation metrics

JKHY's trailing and forward P/E ratios of 30.82 and 28.33 respectively indicate strong valuation metrics.

Constructive Wall Street sentiment

Wall Street maintains a 'Moderate Buy' consensus with an average price target of ~$200, reflecting positive sentiment.

DCF fair value support

The shares trade at about $142.88 with a P/E of 19.9x and DCF fair value, suggesting undervaluation.

The Bear Case

Key Downside Risks

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
JKHY-1.84%
S&P 500 (^GSPC)+7.63%
1-Year Return
JKHY+7.70%
S&P 500 (^GSPC)+9.69%
3-Year Return
JKHY+23.90%
S&P 500 (^GSPC)+62.97%
5-Year Return
JKHY+14.26%
S&P 500 (^GSPC)+51.34%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
23.4x
Forward P/E
25.3x
EV/EBITDA20th %ile
14.2x
FCF YieldCash Flow
5.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
23.4x
31.7x
20th· Low
EV/EBITDA
14.2x
17.4x
20th· Low
Price/FCF
17.2x
23.8x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$109.34-36.9%
Base (Fair)$179.71+3.7%
Bull$269.02+55.3%
$109.34 Bear$179.71 Base$269.02 Bull
Current Market Price: $173.23
Trades at a 3.6% discount to Base DCF ($179.71)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY26
$2.5B+5.1% YoY
Net income FY26
$503M+10.3% YoY
Free cash flow FY26
$695M+18.1% YoY
Operating margin FY26
24.3%+0.3 pts YoY
ROIC (FY26)22.1%
Avg ROIC 5Y20.4%
ROE (TTM)24.5%
Piotroski Score8 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate12/12 (100%)
Revenue Beat Rate8/12 (67%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Nov 3, 2026
$2.28+10.1%
vs $2.07
$702M+2.3%
vs $686M
Q3 2026
Aug 18, 2026
$1.57+6.8%
vs $1.47
$644M+2.0%
vs $632M
Q2 2026
May 5, 2026
$1.71+19.6%
vs $1.43
$636M+2.7%
vs $620M
Q1 2026
Feb 3, 2026
$1.72+20.3%
vs $1.43
$619M+1.6%
vs $610M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
PRNewsWire·2d ago
Jack Henry CFO Mimi Carsley to Present at Upcoming Investor Conferences

MONETT, Mo., Nov. 5, 2026 /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) announced today that Chief Financial Officer Mimi Carsley will be making presentations at these upcoming conferences: Citi's 15 th Annual FinTech Conference on November 10.

Zacks Investment Research·2d ago
JKHY Q1 Earnings Beat Estimates on Cloud & Payments Growth

Jack Henry's Q1 fiscal 2027 earnings beat estimates as cloud and payments growth lift revenues, strengthen margins and prompt an upgraded full-year outlook.

Seeking Alpha·3d ago
Jack Henry & Associates, Inc. (JKHY) Q1 2027 Earnings Call Transcript

Jack Henry & Associates, Inc. ( JKHY ) Q1 2027 Earnings Call November 4, 2026 8:45 AM EST Company Participants Vance Sherard - Vice President of Investor Relations Gregory Adelson - CEO, President & Director Mimi Carsley - CFO & Treasurer Conference Call Participants Daniel Perlin - RBC Capital Markets, Research Division Andrew Schmidt - KeyBanc Capital Markets Inc., Research Division Yvonne Jeng - Keefe, Bruyette, & Woods, Inc., Research Division Tyler DuPont - Wells Fargo Securities, LLC, Research Division Cristopher Kennedy - William Blair & Company L.L.C., Research Division Bill Carcache - Piper Sandler & Co., Research Division Kartik Mehta - Northcoast Research Partners, LLC Alexa Chan - BofA Securities, Research Division Madison Suhr - Raymond James & Associates, Inc., Research Division Brett Huff - Stephens Inc., Research Division David Koning - Robert W.

MarketBeat·3d ago
Jack Henry & Associates Q1 Earnings Call Highlights

Jack Henry & Associates NASDAQ: JKHY reported record first-quarter fiscal 2027 results, with non-GAAP revenue rising 7% year over year to $682 million and non-GAAP operating margin expanding 102 basis points to 28%.

Filtered for Jack Henry & Associates, Inc.More Headlines
04

Compare before deciding

Benchmark JKHY against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Jack Henry & Associates, Inc. (JKHY)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
JKHY logoJKHYJack Henry & Associates, Inc.Current
$173.23$12.31B23.445.1%20.04%24.46%1.37%
FIS logoFISFidelity National Information Services, Inc.
$28.73$14.85B4.295.43%26.77%22.29%5.68%
FISV logoFISVFiserv, Inc.
$62.88$33.53B-8.503.6%-18.9%-15.72%—
NTRS logoNTRSNorthern Trust Corporation
$172.76$31.61B13.04-2.46%26.03%18.41%1.82%
CSL logoCSLCarlisle Companies Incorporated
$375.74$15.2B20.710.33%13.78%44.18%1.12%
PCTY logoPCTYPaylocity Holding Corporation
$173.15$9.27B33.2911.04%15.39%24.03%—

Compare JKHY vs Peers

Jack Henry & Associates, Inc. (JKHY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FIS

Most directly comparable listed peer for JKHY.

Scale Benchmark

vs V

Larger-name benchmark to compare JKHY against a more recognizable public peer.

Peer Set

Compare Top 5

vs FIS, FISV, NTRS, CSL

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

JKHY SEC Filings & Documents

Jack Henry & Associates, Inc. (JKHY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Nov 3, 2026·SEC

Material company update

Oct 29, 2026·SEC

Material company update

Aug 24, 2026·SEC

10-K Annual Reports

3
FY 2026

Aug 28, 2026·SEC

FY 2025

Aug 25, 2025·SEC

FY 2024

Aug 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 7, 2026·SEC

FY 2026

Feb 6, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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JKHY Frequently Asked Questions

Jack Henry & Associates, Inc. (JKHY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Jack Henry & Associates, Inc.'s revenue?

Jack Henry & Associates, Inc. (JKHY) reported $2.59B in revenue over the trailing twelve months. Revenue was $2.50B in fiscal year 2026. That is 2922% more than the $82.6M of fiscal year 1997.

How fast is Jack Henry & Associates, Inc. growing?

Jack Henry & Associates, Inc. (JKHY) grew revenue by 7.1% over the trailing twelve months, compared with the twelve months before.

Is JKHY profitable?

Yes. Jack Henry & Associates, Inc. (JKHY) earned $519.2M in net income over the trailing twelve months (a 20.0% net margin).

Dividend & Returns
Does JKHY pay dividends?

Yes. Jack Henry & Associates, Inc. (JKHY) pays a dividend that yields 1.37% at the current price, a moderate yield.

What is JKHY's return on equity?

Jack Henry & Associates, Inc. (JKHY) had a return on equity (ROE) of 24.5% over the trailing twelve months. That is well above the market's typical 10-15%.

What is Jack Henry & Associates, Inc.'s free cash flow?

Jack Henry & Associates, Inc. (JKHY) generated $717.4M in free cash flow over the trailing twelve months.

What if you invested $1,000 in JKHY back in 1997?

Total return calculator · dividends reinvested · 29+ years of data

See returns →