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JKHYJack Henry & Associates, Inc.
$146.71$10.6B
Overview & Verdict
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JKHY logoJack Henry & Associates, Inc.(JKHY)Earnings, Financials & Key Ratios

JKHY•NASDAQ
$146.71
23.5× P/E·Price updated Jul 7, 2026
SectorTechnologyIndustryIT ServicesSub-IndustryPayments Processing and Fintech Services
AboutJack 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.Show more
  • Revenue$2.38B+7.2%
  • EBITDA$773M+12.2%
  • Net Income$456M+19.4%
  • EPS (Diluted)6.24+19.3%
  • Gross Margin42.71%+3.3%
  • EBITDA Margin32.56%+4.7%
  • Operating Margin23.94%+8.4%
  • Net Margin19.19%+11.3%
  • ROE21.39%+11.3%

JKHY Price & Volume

Jack Henry & Associates, Inc. (JKHY) stock price & volume — 10-year historical chart

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Resilient Core Processing Drives Consistent Margin Expansion

Investment Thesis • Updated 2026Q3

VerdictPositive
Growth:Accelerating
Profitability:Strong
Financial:Healthy
Cash Flow:Robust
Primary Risk:Bank charter consolidation headwinds

Key Thesis Takeaways

  • Jack Henry demonstrates a durable competitive moat by capturing increased wallet share within a consolidating U.S.
  • financial institution market, evidenced by revenue growth accelerating to 8.7% in 2026Q3.
  • The company's transition to cloud-native infrastructure supports long-term operational leverage, though investors should monitor the impact of lumpy deconversion fees on earnings quality.
  • With a negligible debt-to-equity ratio of 0.04 and disciplined capital returns, the firm remains well-positioned to navigate industry headwinds while maintaining robust liquidity.

Verdict Logic

the company's ability to maintain a 42.8% gross margin while simultaneously reducing debt to $90.0 million suggests a high-quality, cash-generative business model capable of sustaining shareholder value.

JKHY Growth Metrics

Jack Henry & Associates, Inc. (JKHY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years6.58%
5 Years6.96%
3 Years6.93%
TTM8.44%

Profit CAGR

10 Years7.99%
5 Years8.97%
3 Years7.89%
TTM20.95%

EPS CAGR

10 Years9.19%
5 Years10.08%
3 Years8.1%
TTM21.81%

Return on Capital

10 Years23.38%
5 Years21.56%
3 Years21.41%
Last Year22.67%

JKHY Recent Earnings

Jack Henry & Associates, Inc. (JKHY) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 5, 2026
Metric
Actual
Est
EPS
$1.71+19.6%
$1.43
Rev
$636M+2.7%
$620M
Q1 2026
Feb 3, 2026
Metric
Actual
Est
EPS
$1.72+20.3%
$1.43
Rev
$619M+1.6%
$610M
Q4 2025
Nov 4, 2025
Metric
Actual
Est
EPS
$1.97+15.2%
$1.71
Rev
$645M+1.4%
$636M
Q3 2025
Aug 19, 2025
Metric
Actual
Est
EPS
$1.75+10.8%
$1.58
Rev
$615M+1.8%
$605M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$1.71vs $1.43+19.6%
$636Mvs $620M+2.7%
Q1 2026Feb 3, 2026
$1.72vs $1.43+20.3%
$619Mvs $610M+1.6%
Q4 2025Nov 4, 2025
$1.97vs $1.71+15.2%
$645Mvs $636M+1.4%
Q3 2025Aug 19, 2025
$1.75vs $1.58+10.8%
$615Mvs $605M+1.8%
Based on last 12 quarters of dataView full earnings history →

Latest JKHY News

Recent stock market news and headlines for Jack Henry & Associates, Inc. (JKHY)

PRNewsWire·19h ago
Webster First Federal Credit Union Deploys Payrailz-Powered 'Pay a Person' P2P Solution to Modernize Member Payments

WORCESTER, Mass., July 7, 2026 /PRNewswire/ -- Webster First Federal Credit Union today announced integration with Payrailz®, a leading digital payments solution from Jack Henry®, to embed the Payrailz® Pay a Person™ peer-to-peer (P2P) payments capability within its digital banking platform.

Zacks Investment Research·6 days ago
Does Jack Henry (JKHY) Have the Potential to Rally 28.95% as Wall Street Analysts Expect?

The consensus price target hints at a 29% upside potential for Jack Henry (JKHY). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.

Zacks Investment Research·Jun 30, 2026
ROP or JKHY: Which Is the Better Value Stock Right Now?

Investors looking for stocks in the Computers - IT Services sector might want to consider either Roper Technologies (ROP) or Jack Henry (JKHY). But which of these two companies is the best option for those looking for undervalued stocks?

GuruFocus·Jun 25, 2026
Jack Henry and Google Cloud Expand Collaboration to Deliver AI-Driven Security for Banks and Credit Unions

Jack Henry and Google Cloud Expand Collaboration to Deliver AI-Driven Security for Banks and Credit Unions PR Newswire

PRNewsWire·Jun 25, 2026
Jack Henry and Google Cloud Expand Collaboration to Deliver AI-Driven Security for Banks and Credit Unions

With Google Cloud's agentic defense solutions, Jack Henry bolsters its enterprise security and helps protect community institutions against emerging cyber threats MONETT, Mo. and SUNNYVALE, Calif.

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
$146.71$10.62B23.517.21%19.19%21.39%1.54%
FIS logoFISFidelity National Information Services, Inc.
$42.60$22.02B56.805.43%22.91%18.45%—
FISV logoFISVFiserv, Inc.
$52.71$28.19B8.313.6%15.17%12.43%—
NTRS logoNTRSNorthern Trust Corporation
$181.39$33.57B20.75-9.93%12.83%14.45%—
CSL logoCSLCarlisle Companies Incorporated
$353.87$14.47B20.670.33%14.57%34.48%—
PCTY logoPCTYPaylocity Holding Corporation
$118.84$6.36B29.5613.74%14.94%22.36%—

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

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

May 5, 2026·SEC

Material company update

Apr 28, 2026·SEC

Material company update

Mar 26, 2026·SEC

10-K Annual Reports

3
FY 2025

Aug 25, 2025·SEC

FY 2024

Aug 26, 2024·SEC

FY 2023

Aug 24, 2023·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 $2.52B in revenue for fiscal year 2025. This represents a 3621% increase from $67.6M in 1996.

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

Jack Henry & Associates, Inc. (JKHY) grew revenue by 7.2% over the past year. This is steady growth.

Is JKHY profitable?

Yes, Jack Henry & Associates, Inc. (JKHY) is profitable, generating $519.2M in net income for fiscal year 2025 (19.2% net margin).

Dividend & Returns
Does JKHY pay dividends?

Yes, Jack Henry & Associates, Inc. (JKHY) pays a dividend with a yield of 1.54%. This makes it attractive for income-focused investors.

What is JKHY's return on equity?

Jack Henry & Associates, Inc. (JKHY) has a return on equity (ROE) of 21.4%. This is excellent, indicating efficient use of shareholder capital.

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

Jack Henry & Associates, Inc. (JKHY) generated $727.6M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in JKHY back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →