Jack Henry & Associates, Inc. logo

Jack Henry & Associates, Inc.

JKHY

NASDAQTechnologyInformation Technology Services

Previous close

$166.2

+$1.12 · +0.68%

Aug 21, 4:00 PM ET

JKHY company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

100

Deep Value

Momentum

55

Neutral

Sentiment

76

Bullish

Risk resilience

69

Moderate Risk

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Company profile

Company website

Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist of integrated applications required to process deposit, loan, general ledger transactions, and maintain centralized accountholder information. The Payments segment offers secure payment processing tools and services, including ATM, automated clearing house origination and remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions. The Complementary segment provides software, and hosted processing platforms and services comprising digital/mobile banking, treasury, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate and Other segment offers hardware and other products. It offers specialized financial performance, imaging and payment, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. The company also provides SilverLake system, a system primarily designed for commercial-focused banks; Symitar, a system designed for credit unions; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and service solutions; data center solutions; and data and transaction processing, and software licensing and related services, as well as professional services. The company was founded in 1976 and is headquartered in Monett, Missouri.

Industry
Information Technology Services
Sector
Technology
Headquarters
US
CEO
Gregory R. Adelson
Listed since
Nov 20, 1985
Employees
7,300

Market position

Day range

Current $166.2

52-week range

Current $166.2

Open
$163.74
Previous close
$165.08
Volume
999.39K
0.74× average
Average volume
1.36M
Average daily volume
Market cap
11.81B USD
Beta
0.55
Market reference 1
50-day average
$146.69
+13.30% above average
200-day average
$159.6
+4.14% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
9.95B USD
EV / EBITDA
12.14×
Earnings yield
5.07%
Free cash flow yield
7.00%

Profitability & efficiency

Return on equity
24.50%
Return on assets
15.98%
Return on invested capital
0.00%

Financial health

Current ratio
Altman Z-score
18.61
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends47%36%25%15%Gross margin, FY2022: 41.91%Gross margin, FY2023: 41.33%Gross margin, FY2024: 41.35%Gross margin, FY2025: 42.71%Gross margin, FY2026: 44.49%Operating margin, FY2022: 24.43%Operating margin, FY2023: 23.14%Operating margin, FY2024: 22.09%Operating margin, FY2025: 23.94%Operating margin, FY2026: 24.29%Net margin, FY2022: 18.68%Net margin, FY2023: 17.65%Net margin, FY2024: 17.23%Net margin, FY2025: 19.19%Net margin, FY2026: 20.14%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 41.91%. Gross margin FY2023 41.33%. Gross margin FY2024 41.35%. Gross margin FY2025 42.71%. Gross margin FY2026 44.49%. Operating margin FY2022 24.43%. Operating margin FY2023 23.14%. Operating margin FY2024 22.09%. Operating margin FY2025 23.94%. Operating margin FY2026 24.29%. Net margin FY2022 18.68%. Net margin FY2023 17.65%. Net margin FY2024 17.23%. Net margin FY2025 19.19%. Net margin FY2026 20.14%.

Income trends

Revenue

2.5B USD+5.10%

Operating income

606.24M USD+6.60%

Net income

502.78M USD+10.32%
Income trends across reported periods2.71B USD1.86B USD1B USD149.58M USDRevenue, FY2022: 1.94B USDRevenue, FY2023: 2.08B USDRevenue, FY2024: 2.22B USDRevenue, FY2025: 2.38B USDRevenue, FY2026: 2.5B USDOperating income, FY2022: 474.62M USDOperating income, FY2023: 480.69M USDOperating income, FY2024: 489.39M USDOperating income, FY2025: 568.72M USDOperating income, FY2026: 606.24M USDNet income, FY2022: 362.92M USDNet income, FY2023: 366.65M USDNet income, FY2024: 381.82M USDNet income, FY2025: 455.75M USDNet income, FY2026: 502.78M USDFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 1.94B USD. Revenue FY2023 2.08B USD. Revenue FY2024 2.22B USD. Revenue FY2025 2.38B USD. Revenue FY2026 2.5B USD. Operating income FY2022 474.62M USD. Operating income FY2023 480.69M USD. Operating income FY2024 489.39M USD. Operating income FY2025 568.72M USD. Operating income FY2026 606.24M USD. Net income FY2022 362.92M USD. Net income FY2023 366.65M USD. Net income FY2024 381.82M USD. Net income FY2025 455.75M USD. Net income FY2026 502.78M USD.
Metric (USD)FY2026FY2025FY2024FY2023FY2022
Revenue2.5B USD2.38B USD2.22B USD2.08B USD1.94B USD
Cost of goods sold1.43B USD1.36B USD1.3B USD1.22B USD1.13B USD
Gross profit1.11B USD1.01B USD916.07M USD858.64M USD814.27M USD
Research and development176.45M USD162.77M USD148.26M USD142.68M USD121.36M USD
Selling, general, and administrative299.21M USD283.06M USD278.42M USD235.27M USD218.3M USD
Operating expenses470.07M USD445.83M USD426.68M USD377.95M USD339.65M USD
Interest income23.14M USD27.76M USD25.01M USD8.96M USD32K USD
Interest expense5.39M USD10.44M USD16.38M USD15.07M USD2.38M USD
Depreciation and amortization213.24M USD204.75M USD199.9M USD190.73M USD177.62M USD
Operating income606.24M USD568.72M USD489.39M USD480.69M USD474.62M USD
Net income502.78M USD455.75M USD381.82M USD366.65M USD362.92M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
91%
10 beats, 1 miss, 0 met estimates
Average EPS surprise
+9.04%
11 comparable reports
Latest EPS result
1.57
Estimate 1.47 · Beat by 6.80%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.131.841.551.26Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 1.34, estimate 1.37, surprise -2.19%, Miss. Q2 2025, reported May 6, 2025: actual 1.52, estimate 1.37, surprise +10.95%, Beat. Q3 2025, reported Aug 19, 2025: actual 1.75, estimate 1.58, surprise +10.76%, Beat. Q4 2025, reported Nov 4, 2025: actual 1.97, estimate 1.71, surprise +15.20%, Beat. Q1 2026, reported Feb 3, 2026: actual 1.72, estimate 1.43, surprise +20.28%, Beat. Q2 2026, reported May 5, 2026: actual 1.71, estimate 1.43, surprise +19.58%, Beat. Q3 2026, reported Aug 18, 2026: actual 1.57, estimate 1.47, surprise +6.80%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 2.05, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates712.16M656.93M601.69M546.46MQ1 '25MissQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 573.85M USD, estimate 586.63M USD, surprise -2.18%, Miss. Q2 2025, reported May 6, 2025: actual 585.09M USD, estimate 587.28M USD, surprise -0.37%, Miss. Q3 2025, reported Aug 19, 2025: actual 615.37M USD, estimate 604.53M USD, surprise +1.79%, Beat. Q4 2025, reported Nov 4, 2025: actual 644.74M USD, estimate 635.95M USD, surprise +1.38%, Beat. Q1 2026, reported Feb 3, 2026: actual 619.33M USD, estimate 609.76M USD, surprise +1.57%, Beat. Q2 2026, reported May 5, 2026: actual 636.25M USD, estimate 619.67M USD, surprise +2.67%, Beat. Q3 2026, reported Aug 18, 2026: actual 644.02M USD, estimate 631.6M USD, surprise +1.97%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 684.77M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$181.63

9.28% upside
Past 12 months12-month forecast

Price history unavailable

High $209Average $181.63Low $165

Rating distribution

23 ratings
Strong buy00%
Buy1357%
Hold1043%
Sell00%
Strong sell00%

JKHY news

Corporate actions

Corporate action history

Stock split

Effective Mar 5, 2001

2:1

Stock split

Effective Mar 3, 2000

2:1

Stock split

Effective Mar 14, 1997

3:2

Stock split

Effective Mar 11, 1994

4:3

Stock split

Effective Mar 9, 1993

3:2

Stock split

Effective Mar 4, 1992

3:2

JKHY peers

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