Last 48 quarters of trend data · Technology · Information Technology Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Jack Henry & Associates, Inc.'s quarterly P/E stands at 23.1x, down 23.1% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 23.40 | 23.11 | 26.52 | 18.90 | 25.74 | 30.03 | 32.71 | 27.08 | 30.08 | 36.50 | 32.42 | 27.18 | 31.22 |
| — | -23.1% | -18.9% | -30.2% | -14.4% | -17.7% | +0.9% | -0.4% | -3.7% | +8.5% | -18.7% | -12.9% | -23.7% | |
| P/S Ratio | 4.45 | 4.47 | 5.33 | 4.21 | 5.34 | 5.70 | 5.58 | 5.37 | 5.42 | 5.89 | 5.46 | 4.83 | 5.71 |
| — | -21.5% | -4.4% | -21.5% | -1.3% | -3.3% | +2.2% | +11.1% | -5.2% | +8.8% | -14.0% | -23.3% | -16.2% | |
| P/B Ratio | 5.01 | 5.33 | 6.00 | 5.00 | 6.17 | 6.55 | 6.48 | 6.70 | 5.69 | 6.23 | 6.04 | 5.73 | 6.63 |
| — | -18.6% | -7.5% | -25.5% | +8.4% | +5.1% | +7.4% | +16.9% | -14.2% | -13.0% | -29.0% | -37.2% | -30.4% | |
| P/FCF | 17.97 | 16.78 | 25.13 | 24.30 | 10.44 | 34.67 | 43.89 | 30.98 | 14.58 | 36.18 | 46.09 | 18.45 | 18.79 |
| — | -51.6% | -42.7% | -21.6% | -28.4% | -4.2% | -4.8% | +67.9% | -22.4% | -91.5% | -98.1% | -50.2% | +12.5% | |
| EV / EBITDA | 13.53 | 18.45 | 15.65 | 11.58 | 15.75 | 17.74 | 18.58 | 16.10 | 17.06 | 19.76 | 17.84 | 15.30 | 17.86 |
| — | +4.0% | -15.8% | -28.1% | -7.7% | -10.2% | +4.2% | +5.3% | -4.5% | +9.2% | -15.2% | -15.8% | -19.8% | |
| EV / EBIT | 18.41 | 18.45 | 20.10 | 14.29 | 20.13 | 23.27 | 24.95 | 20.36 | 22.40 | 27.02 | 24.28 | 20.25 | 23.83 |
| — | -20.7% | -19.4% | -29.8% | -10.1% | -13.9% | +2.8% | +0.5% | -6.0% | +5.4% | -19.4% | -15.8% | -25.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Jack Henry & Associates, Inc.'s operating margin was 24.4% in Q3 2026, down 1.3 pp QoQ and up 0.7 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 26.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 42.7% | 42.8% | 43.3% | 45.9% | 44.1% | 41.8% | 42.0% | 42.9% | 41.5% | 39.1% | 41.2% | 43.5% | 42.2% |
| — | +2.4% | +3.2% | +7.2% | +6.2% | +7.0% | +2.0% | -1.4% | -1.6% | -1.3% | +3.7% | -0.4% | +4.1% | |
| Operating Margin | 23.9% | 24.4% | 25.7% | 28.5% | 25.3% | 23.7% | 21.4% | 25.2% | 22.4% | 20.8% | 21.8% | 23.2% | 23.2% |
| — | +2.8% | +19.9% | +13.4% | +12.8% | +13.9% | -1.7% | +8.4% | -3.4% | -2.3% | +2.6% | -12.7% | +8.1% | |
| Net Margin | 19.2% | 19.3% | 20.1% | 22.3% | 20.7% | 19.0% | 17.1% | 19.8% | 18.1% | 16.2% | 16.9% | 17.8% | 18.3% |
| — | +1.7% | +18.1% | +12.6% | +14.9% | +17.4% | +1.2% | +11.4% | -1.3% | +0.9% | +5.4% | -11.6% | +9.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 21.4% | 5.7% | 5.7% | 6.7% | 6.1% | 5.5% | 5.0% | 5.9% | 4.9% | 4.3% | 4.7% | 5.4% | 5.8% |
| — | +2.3% | +13.6% | +13.8% | +26.2% | +27.6% | +6.4% | +8.9% | -16.1% | -18.8% | -13.2% | -28.0% | -2.5% | |
| ROA | 15.0% | 4.0% | 4.1% | 4.7% | 4.3% | 3.8% | 3.4% | 4.0% | 3.4% | 3.0% | 3.1% | 3.5% | 3.5% |
| — | +5.8% | +21.8% | +18.4% | +26.3% | +27.6% | +6.4% | +14.9% | -4.3% | -5.2% | +0.5% | -17.9% | +3.9% | |
| ROIC | 21.0% | 5.2% | 5.3% | 6.5% | 5.6% | 4.8% | 4.4% | 5.6% | 4.5% | 3.9% | 4.3% | 5.0% | 4.9% |
| — | +7.7% | +19.4% | +15.3% | +23.9% | +22.2% | +2.0% | +11.9% | -7.4% | -11.6% | -7.7% | -25.9% | -7.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Jack Henry & Associates, Inc.'s Debt/EBITDA ratio is 0.6x, up from 0.5x last quarter — comfortably within a safe range. The current ratio has improved 28.0% YoY to 1.74x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | 0.04 | 0.05 | 0.05 | — | 0.08 | 0.10 | 0.07 | — | 0.08 | 0.08 | 0.07 | 0.08 |
| — | -49.5% | -53.2% | -31.4% | — | 0.0% | +37.1% | 0.0% | — | -65.8% | -58.3% | -56.6% | -2.3% | |
| Debt / EBITDA | — | 0.58 | 0.51 | 0.46 | — | 0.90 | 1.18 | 0.69 | — | 1.05 | 0.89 | 0.77 | 0.87 |
| — | -35.2% | -57.0% | -33.8% | — | -14.5% | +32.5% | -9.8% | — | -56.1% | -49.8% | -41.5% | +12.1% | |
| Current Ratio | 1.27 | 1.74 | 1.38 | 1.49 | 1.27 | 1.36 | 1.17 | 1.11 | 1.27 | 1.36 | 1.17 | 1.11 | 1.00 |
| — | +28.0% | +18.3% | +34.4% | 0.0% | 0.0% | 0.0% | 0.0% | +27.6% | -10.6% | +1.2% | +7.8% | -11.6% | |
| Quick Ratio | 1.27 | 1.74 | 1.38 | 1.49 | 1.27 | 1.36 | 1.17 | 1.11 | 1.27 | 1.36 | 1.17 | 1.11 | 1.00 |
| — | +28.0% | +18.3% | +34.4% | 0.0% | 0.0% | 0.0% | 0.0% | +27.6% | -10.6% | +1.2% | +7.8% | -11.6% | |
| Interest Coverage | 57.14 | 112.76 | 144.78 | 215.81 | 77.09 | 52.96 | 46.82 | 56.50 | 34.53 | 26.75 | 32.11 | 32.75 | 23.85 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Jack Henry & Associates, Inc.'s current P/E is 23.4x. The average P/E over the last 4 quarters is 23.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Jack Henry & Associates, Inc.'s current operating margin is 23.9%. Margins have been compressing 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.