Jack Henry & Associates (JKHY) Stock Insights

JKHY price $157.19 -1.06 -0.67%

Ticker
JKHY
Price
$157.19
Change
-1.06 -0.67%
Market cap ?
$11.02B
P/E ?
23.26
Forward P/E ?
21.34
Dividend yield ?
1.48%
Beta ?
0.56
Sector
Technology
Industry
Information Technology Services
Stocklytics score
53
Value
45
Quality
70
Growth
43

Stocklytics score rationale: value 45, quality 70, growth 43.

Financials

2017201820192020202120222023202420252026
1431117000153660300015526910001697067000175822500019428840002077702000221554300023752880002496316000

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…

Fair value

JKHY fair value $256.08. Price $157.19. Price is 39% below fair value.

Below fair value, and cheaper than usual. A larger discount than on 92% of days in the past 5 years.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Calculated with a 10-year free-cash-flow discount. Starting free cash flow 694.86M. Growth 16.65%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 8.70% (beta 0.8). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 70.11M. Net debt 27.94M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the median P/E of the company's industry. That median uses listed stocks worth at least $10 billion with a positive P/E of 100 or below, and the industry needs at least eight of them. Otherwise the sector median is used when that group also has at least eight, then the market median of those large companies. The multiple used is the lower of that median and 1.25 times the stock's own 10-year median P/E, then kept between 8 and 30. If the stock has no 10-year median, the peer median is kept between 8 and 30. Fair value is the average of the cash-flow value and the earnings value when both exist. Card and credit companies use the earnings value only, because changes in customer receivables distort free cash flow. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.

Compare JKHY

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2026-11-03—2.06—685.11M
2026-08-181.571.47644.02M631.60M
2026-05-051.711.43636.25M619.67M
2026-02-031.721.43619.33M609.76M
2025-11-041.971.71644.74M635.95M
2025-08-191.751.58615.37M604.53M
2025-05-061.521.37585.09M587.28M
2025-02-041.341.31573.85M576.31M
2024-11-051.631.61600.98M599.56M
2024-08-201.381.32559.91M563.50M
2024-05-081.191.17538.56M541.80M
2024-02-071.261.14545.70M540.34M
2023-11-071.391.32571.37M564.68M
2023-08-161.341.18534.63M512.78M
2023-05-031.121.10508.55M500.72M
2023-02-071.101.11505.31M515.42M
2022-11-081.461.40529.20M530.34M
2022-08-161.101.00482.67M480.30M
2022-05-031.161.06478.26M476.94M
2022-02-081.301.13493.90M467.97M
2021-11-081.381.32488.06M468.21M
2021-08-171.040.93450.29M488.76M
2021-05-030.950.86433.78M438.28M
2021-02-080.940.87422.36M432.98M
2020-11-041.191.05451.80M402.44M
2020-08-180.800.78410.54M400.27M
2020-05-040.960.80429.41M357.84M
2020-02-040.940.89419.12M396.83M
2019-11-041.161.04438.00M392.69M
2019-08-200.790.77393.51M383.55M
2019-04-300.770.77380.36M380.36M
2019-02-050.880.85386.27M373.11M
2018-11-061.080.93392.54M337.99M
2018-08-211.100.95417.23M326.71M
2018-05-010.930.86384.68M345.85M
2018-02-060.800.80374.76M357.20M
2017-11-070.800.79359.93M348.08M
2017-08-150.820.83383.77M345.06M
2017-05-020.770.72353.77M330.83M
2017-02-070.750.74348.55M343.95M

Dividends

Yield 1.53%. Payout ratio 33.89%. Frequency Quarterly.

Safety score 100/100 · Safe. Payout ratio is 34% of earnings. Dividends use less than 40% of free cash flow. Dividends were paid in 37 separate years. Yield is 1.5%, in a range that is usually sustainable.

Ex-dateDividendRecordPaymentFrequency
2026-09-04$0.612026-09-072026-09-23Quarterly
2026-06-01$0.612026-06-012026-06-19Quarterly
2026-03-05$0.612026-03-052026-03-25Quarterly
2025-12-02$0.582025-12-022025-12-23Quarterly
2025-09-05$0.582025-09-052025-09-26Quarterly
2025-05-29$0.582025-05-292025-06-18Quarterly
2025-03-06$0.582025-03-062025-03-25Quarterly
2024-12-02$0.552024-12-022024-12-23Quarterly
2024-09-06$0.552024-09-062024-09-27Quarterly
2024-05-24$0.552024-05-282024-06-17Quarterly
2024-03-07$0.552024-03-082024-03-26Quarterly
2023-11-30$0.522023-12-012023-12-22Quarterly
2023-09-07$0.522023-09-082023-09-28Quarterly
2023-05-25$0.522023-05-262023-06-15Quarterly
2023-03-07$0.522023-03-082023-03-24Quarterly
2022-11-30$0.492022-12-012022-12-22Quarterly
2022-09-08$0.492022-09-092022-09-29Quarterly
2022-05-26$0.492022-05-272022-06-14Quarterly
2022-03-07$0.492022-03-082022-03-25Quarterly
2021-12-02$0.462021-12-032021-12-23Quarterly
2021-09-08$0.462021-09-092021-09-29Quarterly
2021-05-27$0.462021-05-282021-06-14Quarterly
2021-03-05$0.462021-03-082021-03-25Quarterly
2020-12-01$0.432020-12-022020-12-22Quarterly
2020-09-08$0.432020-09-092020-09-28Quarterly
2020-05-27$0.432020-05-282020-06-12Quarterly
2020-02-28$0.432020-03-022020-03-19Quarterly
2019-11-29$0.402019-12-022019-12-20Quarterly
2019-09-06$0.402019-09-092019-09-30Quarterly
2019-05-22$0.402019-05-232019-06-07Quarterly
2019-02-28$0.402019-03-012019-03-18Quarterly
2018-11-30$0.372018-12-032018-12-20Quarterly
2018-09-10$0.372018-09-112018-10-02Quarterly
2018-05-22$0.372018-05-232018-06-07Quarterly
2018-02-28$0.372018-03-012018-03-16Quarterly
2017-11-29$0.312017-11-302017-12-15Quarterly
2017-09-07$0.312017-09-082017-09-28Quarterly
2017-05-22$0.312017-05-242017-06-09Quarterly
2017-02-28$0.312017-03-022017-03-17Quarterly
2016-11-29$0.282016-12-012016-12-16Quarterly
2016-09-02$0.282016-09-072016-09-27Quarterly
2016-05-23$0.282016-05-252016-06-10Quarterly
2016-02-29$0.282016-03-022016-03-18Quarterly
2015-11-27$0.252015-12-012015-12-16Quarterly
2015-09-02$0.252015-09-042015-09-25Quarterly
2015-05-21$0.252015-05-262015-06-09Quarterly
2015-02-27$0.252015-03-032015-03-18Quarterly
2014-11-28$0.222014-12-022014-12-17Quarterly
2014-09-03$0.222014-09-052014-09-26Quarterly
2014-05-15$0.222014-05-192014-06-03Quarterly
2014-02-24$0.222014-02-262014-03-12Quarterly
2013-11-27$0.202013-12-022013-12-17Quarterly
2013-09-04$0.202013-09-062013-09-27Quarterly
2013-05-15$0.202013-05-172013-05-30Quarterly
2013-02-22$0.132013-02-262013-03-12Quarterly
2012-11-29$0.122012-12-032012-12-17Quarterly
2012-09-05$0.122012-09-072012-09-28Quarterly
2012-05-17$0.122012-05-212012-05-31Quarterly
2012-02-16$0.122012-02-212012-03-08Quarterly
2011-11-30$0.102011-12-022011-12-16Quarterly
2011-09-06$0.102011-09-082011-09-28Quarterly
2011-05-18$0.102011-05-202011-06-02Quarterly
2011-02-17$0.102011-02-222011-03-10Quarterly
2010-11-30$0.102010-12-022010-12-17Quarterly
2010-09-02$0.102010-09-072010-09-22Quarterly
2010-05-13$0.102010-05-172010-06-02Quarterly
2010-02-22$0.102010-02-242010-03-09Quarterly
2009-11-24$0.092009-11-272009-12-10Quarterly
2009-09-02$0.092009-09-042009-09-17Quarterly
2009-05-14$0.092009-05-182009-05-28Quarterly
2009-02-23$0.092009-02-252009-03-12Quarterly
2008-11-25$0.072008-11-282008-12-11Quarterly
2008-09-03$0.072008-09-052008-09-19Quarterly
2008-05-15$0.072008-05-192008-05-29Quarterly
2008-02-14$0.072008-02-192008-03-06Quarterly
2007-11-09$0.072007-11-142007-12-04Quarterly
2007-09-05$0.072007-09-072007-09-21Quarterly
2007-05-17$0.072007-05-212007-05-31Quarterly
2007-02-15$0.072007-02-202007-03-08Quarterly
2006-11-14$0.062006-11-162006-12-05Quarterly

Insider trades

DateInsiderActionSharesPriceValue
2026-09-01Preece RichardBuy270——
2026-08-27Morgan Craig KeithBuy1.21K——
2026-08-27Morgan Craig KeithSell532$172.3991.71K
2026-08-27Morgan Craig KeithBuy513——
2026-08-27Morgan Craig KeithBuy1.13K——
2026-08-27Morgan Craig KeithSell226$172.3938.96K
2026-08-27Morgan Craig KeithSell498$172.3985.85K
2026-08-27Adelson Gregory R.Buy2.62K——
2026-08-27Adelson Gregory R.Sell1.16K$172.39200.32K
2026-08-27Adelson Gregory R.Buy1.11K——
2026-08-27Adelson Gregory R.Buy2.46K——
2026-08-27Adelson Gregory R.Sell495$172.3985.33K
2026-08-27Adelson Gregory R.Sell1.09K$172.39187.91K
2026-08-27Swearingen Renee AnnBuy378——
2026-08-27Swearingen Renee AnnSell167$172.3928.79K
2026-08-27Swearingen Renee AnnBuy161——
2026-08-27Swearingen Renee AnnBuy355——
2026-08-27Swearingen Renee AnnSell71$172.3912.24K
2026-08-27Swearingen Renee AnnSell157$172.3927.07K
2026-08-27McLachlan Shanon G.Buy196——
2026-08-27McLachlan Shanon G.Sell73$172.3912.58K
2026-08-27McLachlan Shanon G.Buy183——
2026-08-27McLachlan Shanon G.Sell68$172.3911.72K
2026-08-27McLachlan Shanon G.Buy83——
2026-08-27McLachlan Shanon G.Sell31$172.395.34K
2026-08-27McLachlan Shanon G.Buy462——
2026-08-27Carsley MimiBuy5.11K——
2026-08-20Preece RichardOther0——
2026-08-04Adelson Gregory R.Buy4.78K——
2026-08-04Adelson Gregory R.Sell2.12K$156.53332.16K
2026-08-04Adelson Gregory R.Buy3.92K——
2026-08-04Adelson Gregory R.Sell1.74K$156.53272.05K
2026-08-04Adelson Gregory R.Buy1.46K——
2026-08-04Adelson Gregory R.Sell646$156.53101.12K
2026-08-04Adelson Gregory R.Buy20.44K——
2026-08-04Adelson Gregory R.Sell4.78K——
2026-08-04Adelson Gregory R.Sell3.92K——
2026-08-04Adelson Gregory R.Sell1.46K——
2026-08-04Carsley MimiBuy1.75K——
2026-08-04Carsley MimiSell769$156.53120.37K
2026-08-04Carsley MimiBuy1.46K——
2026-08-04Carsley MimiSell642$156.53100.49K
2026-08-04Carsley MimiBuy6.21K——
2026-08-04Carsley MimiSell1.75K——
2026-08-04Carsley MimiSell1.46K——
2026-08-04Carsley MimiBuy1.20K——
2026-08-04Carsley MimiSell1.20K——
2026-08-04McLachlan Shanon G.Buy3.91K——
2026-08-04McLachlan Shanon G.Buy969——
2026-08-04McLachlan Shanon G.Sell358$156.5356.04K
2026-08-04McLachlan Shanon G.Buy783——
2026-08-04McLachlan Shanon G.Sell289$156.5345.24K
2026-08-04McLachlan Shanon G.Sell969——
2026-08-04McLachlan Shanon G.Buy217——
2026-08-04McLachlan Shanon G.Sell80$156.5312.52K
2026-08-04McLachlan Shanon G.Sell783——
2026-08-04McLachlan Shanon G.Sell217——
2026-08-04Morgan Craig KeithBuy594——
2026-08-04Morgan Craig KeithSell262$156.5341.01K
2026-08-04Morgan Craig KeithBuy669——
2026-08-04Morgan Craig KeithSell295$156.5346.18K
2026-08-04Morgan Craig KeithBuy2.94K——
2026-08-04Morgan Craig KeithSell792——
2026-08-04Morgan Craig KeithBuy708——
2026-08-04Morgan Craig KeithSell708——
2026-08-04Morgan Craig KeithBuy198——
2026-08-04Morgan Craig KeithSell669——
2026-08-04Swearingen Renee AnnBuy233——
2026-08-04Swearingen Renee AnnSell103$156.5316.12K
2026-08-04Swearingen Renee AnnBuy222——
2026-08-04Swearingen Renee AnnSell98$156.5315.34K
2026-08-04Swearingen Renee AnnBuy210——
2026-08-04Swearingen Renee AnnSell93$156.5314.56K
2026-08-04Swearingen Renee AnnBuy854——
2026-08-04Swearingen Renee AnnSell233——
2026-08-04Swearingen Renee AnnSell222——
2026-08-04Swearingen Renee AnnSell210——
2026-07-14Foss David BBuy1.22K——
2026-07-14Foss David BSell1.22K——
2026-05-14Adelson Gregory R.Buy2.00K$133.42266.84K
2026-05-14Carsley MimiBuy375$134.1250.30K
2026-02-12FLANIGAN MATTHEW CSell440——
2026-01-01McLachlan Shanon G.Buy183——
2026-01-01McLachlan Shanon G.Sell67$182.4812.23K
2026-01-01McLachlan Shanon G.Sell183——
2025-12-17Carsley MimiBuy5.35K——
2025-12-15Swearingen Renee AnnSell200——
2025-12-01Foss David BSell20.00K$174.923.50M
2025-11-17FLANIGAN MATTHEW CBuy1.22K——
2025-11-17Miyashiro Shruti SBuy1.22K——
2025-11-17Brown Wesley ABuy1.22K——
2025-11-17Wilson Thomas Hampton Jr.Buy1.22K——
2025-11-17LoCascio TammyBuy1.22K——
2025-11-17WIMSETT THOMAS ABuy1.22K——
2025-11-17Campbell Curtis ABuy1.22K——
2025-11-17Foss David BBuy1.22K——
2025-11-17Nelson Lisa MBuy1.22K——
2025-11-11Nelson Lisa MBuy1.16K——
2025-11-11Nelson Lisa MSell1.16K——
2025-11-11Wilson Thomas Hampton Jr.Buy1.16K——

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 722, holders -58 vs prior quarter. Ownership 97.17%.

HolderSharesChangeChange %Value
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC5.21M-246.45K-4.51%718.06M
BLACKROCK, INC.5.12M-836.29K-14.04%705.47M
VANGUARD CAPITAL MANAGEMENT LLC4.64M-35.80K-0.76%639.75M
STATE STREET CORP3.70M-251.34K-6.36%510.14M
VANGUARD PORTFOLIO MANAGEMENT LLC3.56M-32.57K-0.91%490.27M
GEODE CAPITAL MANAGEMENT, LLC2.75M451.68K+19.62%378.84M
MORGAN STANLEY2.37M-309.02K-11.51%327.11M
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP2.11M1.68M+390.90%290.02M
CIBC BANCORP USA INC.1.91M-1.74K-0.09%262.91M
INVESCO LTD.1.88M28.48K+1.54%259.13M
VAN ECK ASSOCIATES CORP1.31M1.31MNew180.21M
WELLS FARGO & COMPANY/MN1.29M-92.86K-6.72%177.53M
NEUBERGER BERMAN GROUP LLC1.19M108.21K+9.96%164.52M
UBS AM, A DISTINCT BUSINESS UNIT OF UBS ASSET MANAGEMENT AMERICAS LLC1.17M-286.44K-19.64%161.38M
NORGES BANK1.00M1.00MNew137.76M
TD ASSET MANAGEMENT INC928.66K104.83K+12.73%127.91M
DIMENSIONAL FUND ADVISORS LP871.65K119.62K+15.91%120.05M
EPOCH INVESTMENT PARTNERS, INC.829.62K148.03K+21.72%114.27M
FIRST TRUST ADVISORS LP776.97K42.67K+5.81%107.02M
RAYMOND JAMES FINANCIAL INC761.84K-51.78K-6.36%104.94M
UBS GROUP AG733.40K-122.56K-14.32%101.02M
CHARLES SCHWAB INVESTMENT MANAGEMENT INC664.59K1.34K+0.20%91.54M
SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P.664.59K664.59KNew91.54M
BANK OF NEW YORK MELLON CORP636.48K179+0.03%87.67M
NORTHERN TRUST CORP619.76K-111.58K-15.26%85.37M

Insights

Revenue by product
PeriodValue
FY2012Banking Systems and Services: 2013850000.0, Credit Union Systems and Services: 643747000.0
FY2013Banking Systems and Services: 2189801000.0, Credit Union Systems and Services: 721365000.0
FY2014Banking Systems and Services: 2354858000.0, Credit Union Systems and Services: 756672000.0
FY2015Banking Systems and Services: 2487528000.0, Credit Union Systems and Services: 745188000.0
FY2016Banking Systems and Services: 2582404000.0, Credit Union Systems and Services: 900539000.0
FY2017Banking Systems and Services: 2737848000.0, Credit Union Systems and Services: 943420000.0
FY2018Complementary: 412021000.0, Core Segment: 555287000.0, Payments: 517342000.0
FY2019Complementary: 418215000.0, Core Segment: 534429000.0, Payments: 548319000.0
FY2020Complementary: 463349000.0, Core Segment: 582166000.0, Payments: 597693000.0
FY2021Complementary: 505928000.0, Core Segment: 564096000.0, Payments: 642308000.0
FY2022Complementary: 561211000.0, Core Segment: 622442000.0, Payments: 707019000.0
FY2023Complementary: 583893000.0, Core Segment: 656164000.0, Payments: 767339000.0
FY2024Complementary: 618211000.0, Core Segment: 690738000.0, Payments: 817708000.0
FY2025Complementary: 675209000.0, Core Segment: 739277000.0, Payments: 873498000.0
FY2026Complementary: 752214000.0, Core Segment: 768452000.0, Payments: 936006000.0

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Jack Henry & Associates (JKHY) Stock Insights

JKHY$157.19-1.06 -0.67%

$11.02B

Market Cap

23.26

P/E

21.34

Forward P/E

53

Score

Price History