Last 48 quarters of trend data · Financial Services · Payment Processors & Networks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 23.44 | 15.71 | 21.93 | 23.11 | 26.52 | 18.90 | 25.74 | 30.03 | 32.71 | 27.08 | 30.08 | 36.50 | 32.42 | 27.18 | 31.22 | 33.64 | 39.90 | 31.21 | 40.91 | 42.47 | 32.11 |
| — | -16.9% | -14.8% | -23.1% | -18.9% | -30.2% | -14.4% | -17.7% | +0.9% | -0.4% | -3.7% | +8.5% | -18.7% | -12.9% | -23.7% | -20.8% | +24.2% | +5.0% | +4.1% | +6.4% | -25.5% | |
| P/S Ratio | 4.75 | 3.59 | 3.92 | 4.47 | 5.33 | 4.21 | 5.34 | 5.70 | 5.58 | 5.37 | 5.42 | 5.89 | 5.46 | 4.83 | 5.71 | 5.41 | 6.35 | 6.30 | 6.81 | 7.52 | 6.23 |
| — | -14.8% | -26.7% | -21.5% | -4.4% | -21.5% | -1.3% | -3.3% | +2.2% | +11.1% | -5.2% | +8.8% | -14.0% | -23.3% | -16.2% | -28.0% | +2.0% | +1.1% | +1.2% | +14.0% | -14.8% | |
| P/B Ratio | 6.08 | 4.79 | 4.84 | 5.33 | 6.00 | 5.00 | 6.17 | 6.55 | 6.48 | 6.70 | 5.69 | 6.23 | 6.04 | 5.73 | 6.63 | 7.16 | 8.50 | 9.12 | 9.52 | 10.83 | 9.68 |
| — | -4.1% | -21.7% | -18.6% | -7.5% | -25.5% | +8.4% | +5.1% | +7.4% | +16.9% | -14.2% | -13.0% | -29.0% | -37.2% | -30.4% | -33.9% | -12.2% | +4.7% | +3.5% | +24.5% | +21.0% | |
| P/FCF | 17.16 | 18.74 | 8.79 | 16.78 | 25.13 | 24.30 | 10.44 | 34.67 | 43.89 | 30.98 | 14.58 | 36.18 | 46.09 | 18.45 | 18.79 | 426.29 | 2486.67 | 37.04 | 16.70 | 36.69 | 39.60 |
| — | -22.9% | -15.8% | -51.6% | -42.7% | -21.6% | -28.4% | -4.2% | -4.8% | +67.9% | -22.4% | -91.5% | -98.1% | -50.2% | +12.5% | +1061.8% | +6180.1% | +18.5% | -14.8% | -58.7% | -48.5% | |
| EV / EBITDA | 14.16 | 9.65 | 13.29 | 13.71 | 15.65 | 11.58 | 15.75 | 17.74 | 18.58 | 16.10 | 17.06 | 19.76 | 17.84 | 15.30 | 17.86 | 18.09 | 21.05 | 18.17 | 22.26 | 23.35 | 18.41 |
| — | -16.7% | -15.6% | -22.7% | -15.8% | -28.1% | -7.7% | -10.2% | +4.2% | +5.3% | -4.5% | +9.2% | -15.2% | -15.8% | -19.8% | -22.5% | +14.3% | +6.0% | -15.6% | +33.0% | -16.9% | |
| EV / EBIT | 20.35 | 11.95 | 18.75 | 17.89 | 20.10 | 14.29 | 20.13 | 23.27 | 24.95 | 20.36 | 22.40 | 27.02 | 24.28 | 20.25 | 23.83 | 25.64 | 30.13 | 24.06 | 31.86 | 32.65 | 24.90 |
| — | -16.4% | -6.9% | -23.1% | -19.4% | -29.8% | -10.1% | -13.9% | +2.8% | +0.5% | -6.0% | +5.4% | -19.4% | -15.8% | -25.2% | -21.5% | +21.0% | +5.5% | +0.7% | +2.9% | -23.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 43.1% | 46.4% | 42.3% | 42.8% | 43.3% | 45.9% | 44.1% | 41.8% | 42.0% | 42.9% | 41.5% | 39.1% | 41.2% | 43.5% | 42.2% | 39.6% | 39.7% | 43.6% | 40.6% | 41.0% | 42.7% |
| — | +1.0% | -4.1% | +2.4% | +3.2% | +7.2% | +6.2% | +7.0% | +2.0% | -1.4% | -1.6% | -1.3% | +3.7% | -0.4% | +4.1% | -3.4% | -7.1% | +0.7% | +4.2% | +7.0% | +9.7% | |
| Operating Margin | 24.3% | 29.5% | 21.0% | 24.4% | 25.7% | 28.5% | 25.3% | 23.7% | 21.4% | 25.2% | 22.4% | 20.8% | 21.8% | 23.2% | 23.2% | 21.3% | 21.2% | 26.6% | 21.5% | 23.3% | 25.4% |
| — | +3.4% | -17.2% | +2.8% | +19.9% | +13.4% | +12.8% | +13.9% | -1.7% | +8.4% | -3.4% | -2.3% | +2.6% | -12.7% | +8.1% | -8.7% | -16.5% | -2.9% | +0.5% | +11.0% | +14.8% | |
| Net Margin | 20.1% | 22.9% | 17.6% | 19.3% | 20.1% | 22.3% | 20.7% | 19.0% | 17.1% | 19.8% | 18.1% | 16.2% | 16.9% | 17.8% | 18.3% | 16.0% | 16.0% | 20.1% | 16.7% | 17.7% | 19.4% |
| — | +2.4% | -15.3% | +1.7% | +18.1% | +12.6% | +14.9% | +17.4% | +1.2% | +11.4% | -1.3% | +0.9% | +5.4% | -11.6% | +9.8% | -9.5% | -17.5% | -3.8% | -2.4% | +7.6% | +13.7% |
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 24.0% | 7.7% | 5.3% | 5.7% | 5.7% | 6.7% | 6.1% | 5.5% | 5.0% | 5.9% | 4.9% | 4.3% | 4.7% | 5.4% | 5.8% | 5.3% | 5.4% | 7.5% | 5.9% | 6.5% | 7.2% |
| — | +15.5% | -13.2% | +2.3% | +13.6% | +13.8% | +26.2% | +27.6% | +6.4% | +8.9% | -16.1% | -18.8% | -13.2% | -28.0% | -2.5% | -17.9% | -24.2% | -0.3% | +1.7% | +30.5% | +53.9% | |
| ROA | 16.2% | 5.1% | 3.6% | 4.0% | 4.1% | 4.7% | 4.3% | 3.8% | 3.4% | 4.0% | 3.4% | 3.0% | 3.1% | 3.5% | 3.5% | 3.1% | 3.1% | 4.2% | 3.4% | 3.7% | 4.2% |
| — | +7.0% | -15.9% | +5.8% | +21.8% | +18.4% | +26.3% | +27.6% | +6.4% | +14.9% | -4.3% | -5.2% | +0.5% | -17.9% | +3.9% | -15.5% | -25.3% | -4.3% | +0.7% | +17.2% | +34.7% | |
| ROIC | 22.1% | 7.3% | 4.6% | 5.2% | 5.3% | 6.5% | 5.6% | 4.8% | 4.4% | 5.6% | 4.5% | 3.9% | 4.3% | 5.0% | 4.9% | 4.5% | 4.7% | 6.8% | 5.3% | 5.6% | 6.5% |
| — | +12.9% | -16.5% | +7.7% | +19.4% | +15.3% | +23.9% | +22.2% | +2.0% | +11.9% | -7.4% | -11.6% | -7.7% | -25.9% | -7.7% | -20.2% | -27.9% | -6.0% | +2.4% | +16.1% | +27.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '27 | Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.02 | 0.04 | 0.02 | 0.04 | 0.05 | 0.05 | — | 0.08 | 0.10 | 0.07 | — | 0.08 | 0.08 | 0.07 | 0.08 | 0.24 | 0.18 | 0.17 | 0.08 | 0.17 | 0.19 |
| — | -18.8% | — | -49.5% | -53.2% | -31.4% | — | 0.0% | +37.1% | 0.0% | — | -65.8% | -58.3% | -56.6% | -2.3% | +43.9% | -3.6% | +259.2% | +9.7% | +11.3% | +54778.2% | |
| Debt / EBITDA | 0.05 | 0.32 | 0.21 | 0.43 | 0.51 | 0.46 | — | 0.90 | 1.18 | 0.69 | — | 1.05 | 0.89 | 0.77 | 0.87 | 2.39 | 1.77 | 1.32 | 0.78 | 1.44 | 1.41 |
| — | -29.6% | — | -51.9% | -57.0% | -33.8% | — | -14.5% | +32.5% | -9.8% | — | -56.1% | -49.8% | -41.5% | +12.1% | +65.5% | +25.2% | +258.7% | -10.7% | +18.7% | +36477.9% | |
| Current Ratio | 1.17 | — | 1.17 | 1.74 | 1.38 | 1.49 | 1.27 | 1.36 | 1.17 | 1.11 | 1.27 | 1.36 | 1.17 | 1.11 | 1.00 | 1.52 | 1.15 | 1.03 | 1.13 | 1.47 | 1.25 |
| — | — | -8.3% | +28.0% | +18.3% | +34.4% | 0.0% | 0.0% | 0.0% | 0.0% | +27.6% | -10.6% | +1.2% | +7.8% | -11.6% | +3.5% | -8.0% | -9.7% | +8.1% | +0.3% | -15.3% | |
| Quick Ratio | 1.17 | — | 1.17 | 1.74 | 1.38 | 1.49 | 1.27 | 1.36 | 1.17 | 1.11 | 1.27 | 1.36 | 1.17 | 1.11 | 1.00 | 1.52 | 1.15 | 1.03 | 1.13 | 1.47 | 1.25 |
| — | — | -8.3% | +28.0% | +18.3% | +34.4% | 0.0% | 0.0% | 0.0% | 0.0% | +27.6% | -10.6% | +1.2% | +7.8% | -11.6% | +3.5% | -8.0% | -9.7% | +8.1% | +0.3% | -15.3% | |
| Interest Coverage | 112.54 | 138.85 | 66.89 | 116.30 | 144.78 | 215.81 | 77.09 | 52.96 | 46.82 | 56.50 | 34.53 | 26.75 | 32.11 | 32.75 | 23.85 | 23.74 | 31.89 | 89.29 | 104.08 | 161.49 | 281.12 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying JKHY stock.
Jack Henry & Associates, Inc.'s current P/E is 23.4x. The average P/E over the last 4 quarters is 21.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Jack Henry & Associates, Inc.'s current operating margin is 24.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Jack Henry & Associates, Inc.'s business trajectory between earnings reports.