Overall, Jack Henry & Associates, Inc. demonstrates strong business quality with solid financial performance, high client retention, and market leadership. Future prospects appear favorable, bolstered by strong sales momentum and investment in technology modernization. However, challenges such as hardware revenue decline and potential pricing pressures must be monitored.
Analysis Date: February 5, 2025 Last Updated: May 29, 2025
+181%
+10.9% per year
Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.
CountryUS
ExchangeNASDAQ
IndustryInformation Technology Services
SectorTechnology
Market Cap$12.38B
CEOMr. Gregory R. Adelson
Jack Henry & Associates, Inc. is a company that helps banks and credit unions with technology and payment processing services. They provide software and tools that allow these financial institutions to manage transactions, handle customer information, and improve their services. Their products include systems for processing loans and deposits, as well as solutions for online and mobile banking. Founded in 1976 and based in Missouri, Jack Henry aims to make banking easier and more efficient for both financial organizations and their customers.
Streams of revenue
Payments:37%
Core Segment:34%
Complementary:30%
Geographic Distribution
United States:80%
International:20%
Estimations for reference only
Core Products
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BannoDigital banking
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SymitarCredit union software
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ProfitStarsFinancial solutions
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SilverLake SystemBanking platform
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JHA Payment SolutionsPayment processing
Business Type
Business to Business
Competitive Advantages
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Graham Value Metrics
Benjamin Graham's value investing approach focuses on finding stocks with a significant margin of safety between their intrinsic value and market price.
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Income Statement Flow
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Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.
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JKHY Stock Analysis: Jack Henry & Associates, Inc. Investment Guide
JKHY (Jack Henry & Associates, Inc.) is a Technology company listed on NASDAQ Global Select. The stock has generated 10.9% annual returns with an overall investment score of None/100.
Overall, Jack Henry & Associates, Inc. demonstrates strong business quality with solid financial performance, high client retention, and market leadership. Future prospects appear favorable, bolstered by strong sales momentum and investment in technology modernization. However, challenges such as hardware revenue decline and potential pricing pressures must be monitored.
JKHY Key Financial Metrics
JKHY financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 2.7458832099212955/100 and profitability score of 5.0/100 with financial health rated 7.45/100.
About Jack Henry & Associates, Inc.
Jack Henry & Associates, Inc. is a company that helps banks and credit unions with technology and payment processing services. They provide software and tools that allow these financial institutions to manage transactions, handle customer information, and improve their services. Their products include systems for processing loans and deposits, as well as solutions for online and mobile banking. Founded in 1976 and based in Missouri, Jack Henry aims to make banking easier and more efficient for both financial organizations and their customers.
JKHY Investment Recommendation
Based on our comprehensive analysis of JKHY, investors should consider the company's strong performance track record, earnings consistency (8/10 quarters beat expectations), and current valuation metrics when making investment decisions.
Technology Sector Analysis
JKHY operates in the Information Technology Services industry within the Technology sector. This analysis compares Jack Henry & Associates, Inc. performance against industry and sector benchmarks to provide context for investment decisions.
Frequently Asked Questions about JKHY Stock
Is JKHY a good investment?
JKHY (Jack Henry & Associates, Inc.) has generated 10.9% annual returns with an overall score of None/100. Overall, Jack Henry & Associates, Inc. demonstrates strong business quality with solid financial performance, high client retention, and market leadership. Future prospects appear favorable, bolstered by strong sales momentum and … Investors should consider their risk tolerance and investment goals when evaluating JKHY.
What is JKHY P/E ratio and valuation?
JKHY valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Information Technology Services industry and Technology sector benchmarks. The company currently has a valuation score of 2.7458832099212955/100.
Should I buy JKHY stock now?
The decision to buy JKHY stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides profitability score of 5.0/100, financial health score of 7.45/100, and detailed performance metrics to help inform your investment decision.
What are JKHY financial health indicators?
JKHY financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 7.45/100 based on comprehensive analysis of balance sheet strength and operational efficiency.
How does JKHY compare to competitors?
JKHY performance is benchmarked against Information Technology Services industry peers and Technology sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for Jack Henry & Associates, Inc.'s market position.
What are JKHY historical returns?
JKHY has generated 10.9% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.
JKHY Key Investment Metrics Summary
Annual Return: 10.9%
Valuation Score: 2.7458832099212955/100
Profitability Score: 5.0/100
Financial Health Score: 7.45/100
Growth Score: -6.81627974448552/100
Earnings Beat Rate: 8/10 quarters
Sector: Technology
Industry: Information Technology Services
Exchange: NASDAQ Global Select
Market Cap: 12376086059
JKHY Investment Thesis
Jack Henry & Associates, Inc. (JKHY) represents a strong investment opportunity in the Technology sector. With an overall score of None/100, the company demonstrates areas for financial improvement.
Investment Strengths
Moderate Growth Expectations
Strong Sales Relative to Price
Strong Profit Margins
Good Return on Equity
Low Debt Levels
Strong Interest Coverage
Strong Financial Performance
High Client Retention
Market Leadership and Recognition
Strong Sales Momentum
Investment in Technology Modernization
Positive Industry Trends
Investment Risks
High Valuation Ratios
Moderate Operating Profit Margin
Low Cash Ratio
Hardware Revenue Decline
Potential Pricing Pressures
Impact of Industry Consolidation
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