JKHY Stock - Jack Henry & Associates, Inc.
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Financial Statements
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $2.38B | $2.22B | $2.08B | $1.94B | $1.76B |
| Gross Profit | $1.01B | $916.07M | $858.64M | $814.27M | $694.83M |
| Gross Margin | 42.7% | 41.3% | 41.3% | 41.9% | 39.5% |
| Operating Income | $568.72M | $489.39M | $480.69M | $474.62M | $398.72M |
| Net Income | $455.75M | $381.82M | $366.65M | $362.92M | $311.47M |
| Net Margin | 19.2% | 17.2% | 17.6% | 18.7% | 17.7% |
| EPS | $6.24 | $5.24 | $5.03 | $4.95 | $4.12 |
Jack 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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 16th 2025 | RBC Capital Mkts | Upgrade | Outperform | $210 |
| December 8th 2025 | Keefe Bruyette | Upgrade | Outperform | $215 |
| November 20th 2025 | Raymond James | Upgrade | Strong Buy | $198 |
| November 6th 2025 | Compass Point | Upgrade | Buy | $187 |
| October 22nd 2025 | Wells Fargo | Initiation | Equal Weight | $161 |
| April 2nd 2025 | Goldman | Upgrade | Neutral | $183 |
| March 10th 2025 | Northcoast | Downgrade | Neutral | - |
| January 14th 2025 | Wells Fargo | Initiation | Underweight | $155 |
| October 1st 2024 | Oppenheimer | Resumed | Outperform | $206← $181 |
| September 4th 2024 | Compass Point | Initiation | Neutral | $186 |
| March 7th 2024 | Wolfe Research | Initiation | Peer Perform | - |
| January 18th 2024 | Citigroup | Initiation | Neutral | $177 |
| December 6th 2023 | BofA Securities | Upgrade | Buy | $186← $167 |
| October 20th 2023 | UBS | Resumed | Neutral | $165 |
| October 12th 2023 | Goldman | Downgrade | Sell | $140← $165 |
Earnings History & Surprises
JKHYEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 4, 2026 | — | — | — | — |
Q1 2026 | Feb 3, 2026 | $1.40 | — | — | — |
Q4 2025 | Nov 4, 2025 | $1.71 | $1.97 | +15.2% | ✓ BEAT |
Q3 2025 | Aug 19, 2025 | $1.58 | $1.75 | +10.8% | ✓ BEAT |
Q2 2025 | May 6, 2025 | $1.37 | $1.52 | +10.9% | ✓ BEAT |
Q1 2025 | Feb 4, 2025 | $1.37 | $1.34 | -2.2% | ✗ MISS |
Q4 2024 | Nov 5, 2024 | $1.61 | $1.63 | +1.2% | ✓ BEAT |
Q3 2024 | Aug 20, 2024 | $1.32 | $1.38 | +4.5% | ✓ BEAT |
Q2 2024 | May 7, 2024 | $1.17 | $1.19 | +1.7% | ✓ BEAT |
Q1 2024 | Feb 6, 2024 | $1.14 | $1.26 | +10.5% | ✓ BEAT |
Q4 2023 | Nov 7, 2023 | $1.32 | $1.39 | +5.3% | ✓ BEAT |
Q3 2023 | Aug 15, 2023 | $1.18 | $1.34 | +13.6% | ✓ BEAT |
Q2 2023 | May 2, 2023 | $1.10 | $1.12 | +1.8% | ✓ BEAT |
Q1 2023 | Feb 7, 2023 | $1.11 | $1.10 | -0.9% | ✗ MISS |
Q4 2022 | Nov 8, 2022 | $1.40 | $1.46 | +4.3% | ✓ BEAT |
Q3 2022 | Aug 16, 2022 | $1.00 | $1.10 | +10.0% | ✓ BEAT |
Q2 2022 | May 3, 2022 | $1.06 | $1.16 | +9.4% | ✓ BEAT |
Q1 2022 | Feb 8, 2022 | $1.13 | $1.30 | +15.0% | ✓ BEAT |
Q4 2021 | Nov 8, 2021 | $1.32 | $1.38 | +4.5% | ✓ BEAT |
Q3 2021 | Aug 17, 2021 | $0.93 | $1.04 | +11.8% | ✓ BEAT |
Latest News
RBC Capital Upgrades Jack Henry & Associates to Outperform, Raises Price Target to $210
📈 PositiveBaird Maintains Neutral on Jack Henry & Associates, Raises Price Target to $200
➖ NeutralKeefe, Bruyette & Woods Upgrades Jack Henry & Associates to Outperform, Raises Price Target to $215
📈 PositiveGoldman Sachs Maintains Neutral on Jack Henry & Associates, Raises Price Target to $175
➖ NeutralWells Fargo Maintains Equal-Weight on Jack Henry & Associates, Raises Price Target to $164
➖ NeutralCompass Point Upgrades Jack Henry & Associates to Buy, Raises Price Target to $187
📈 PositiveJack Henry & Associates shares are trading higher after the company reported better-than-expected Q1 financial results and raised its FY26 guidance.
📈 PositiveJack Henry & Associates GAAP EPS of $1.97 beats by $0.26, revenue of $644.74M beats by $9.09M
📈 PositiveJack Henry & Associates Raises FY2026 Sales Guidance from $2.475B-$2.504B to $2.491B-$2.514B vs $2.491B Est
📈 PositiveJack Henry & Associates Raises FY2026 GAAP EPS Guidance from $6.32-$6.44 to $6.38-$6.49 vs $6.41 Est; Raises FY2026 Sales Guidance from $2.459B-$2.488B to $2.465B-$2.488B vs $2.491B Est
📈 PositiveJack Henry & Associates Q1 EPS $1.97 Beats $1.71 Estimate, Sales $644.738M Beat $634.952M Estimate
📈 PositiveDA Davidson Maintains Buy on Jack Henry & Associates, Lowers Price Target to $190
➖ NeutralJack Henry & Associates Reports $8.6M In Deconversion Revenue For Q1 2025, And Raised FY 2026 Deconversion Revenue Guidance To $20M
📈 PositiveWells Fargo Initiates Coverage On Jack Henry & Associates with Equal-Weight Rating, Announces Price Target of $161
➖ NeutralGoldman Sachs Maintains Neutral on Jack Henry & Associates, Lowers Price Target to $155
➖ NeutralKeefe, Bruyette & Woods Maintains Market Perform on Jack Henry & Associates, Lowers Price Target to $170
➖ NeutralJack Henry Acquires Victor Technologies, Terms Not Disclosed; Expects Deal To Be minimally Dilutive To GAAP EPS For 2026 And 2027 And Become Accretive In 2028
➖ NeutralDA Davidson Maintains Buy on Jack Henry & Associates, Lowers Price Target to $204
📈 PositiveMeridianLink Expands Reseller Relationship With Jack Henry To Include MeridianLink One Platform Solutions
📈 PositiveKeefe, Bruyette & Woods Maintains Market Perform on Jack Henry & Associates, Lowers Price Target to $178
➖ NeutralFrequently Asked Questions about JKHY
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