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Home CompaniesJack Henry & Associates Inc

Jack Henry & Associates Inc

Technology Information Technology Services
PortfolioPortfolio WatchlistWatchlist
Company price
173.23 USD -7.03 ( 3.90%)
Last update at 2026-11-06T21:00:00Z
VOLUME
1110989
Market Cap
10802.25M
P/E
23.59

Momentum Score

…

Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate Services. The Core segment provides core information processing platforms to banks and credit unions, which consists 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, money movement and embedded payment capabilities, 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 Services 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; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks; and Symitar, a system designed for credit unions. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and services; 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
172.40
Low
177.02
High
52 Week Price Range
120.60
Low
191.13
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Jack Henry & Associates provides core processing, payments, digital banking, risk management and data services to banks and credit unions through recurring software and processing contracts. Long-term growth may be supported by digital transformation, rising payments volumes and the shift to cloud-based SaaS while deep client relationships and cross-sell opportunities could support durable recurring revenue.
Investors should monitor competitive pressure from fintech and large tech firms, regulatory and interest-rate sensitivity for bank clients, cybersecurity threats and execution risk from acquisitions.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
180.26
Dividend Yield
1.45%
Revenue TTM
2544.34M
Revenue Per Share
35.40
Gross Profit TTM
1116.91M
Debt / Equity
0.02
ROE
24.04%
Net Debt
27.94M
ROCE
23.41%
Diluted EPS TTM
6.53

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 652.79M 586.04M 498.02M 474.57M 472.27M
Net income 502.78M 455.75M 381.82M 366.65M 362.92M
Selling general administrative 299.21M 283.06M 278.42M 235.27M 218.30M
Gross profit 1076.31M 1014.54M 916.07M 858.64M 814.27M
Reconciled depreciation 213.24M 204.75M 199.90M 190.73M 177.62M
Ebit 606.24M 596.47M 514.40M 480.69M 297.03M
Ebitda 819.48M 801.23M 714.31M 489.65M 474.65M
Depreciation and amortization 213.24M 204.75M 199.90M 8.96M 177.62M
Operating income 606.24M 568.72M 489.39M 480.69M 297.03M
Other operating expenses 1890.08M 1806.57M 1726.15M 1597.01M 1468.27M
Interest expense 5.39M 10.44M 16.38M 15.07M 2.38M
Tax provision 150.01M 130.29M 116.20M 107.93M 109.35M
Interest income 23.14M 27.76M 25.01M 8.96M 0.03M
Net interest income 17.76M 17.32M 8.63M -6.11M -2.35M
Income tax expense 150.01M 130.29M 116.20M 107.93M 109.35M
Total revenue 2496.32M 2375.29M 2215.54M 2077.70M 1942.88M
Total operating expenses 470.07M 445.83M 426.68M 377.95M 339.65M
Cost of revenue 1420.01M 1360.75M 1299.48M 1219.06M 1128.61M
Total other income expense net 46.55M 17.32M 8.63M -6.11M 175.24M
Net income from continuing ops 502.78M 455.75M 381.82M 366.65M 362.92M
Net income applicable to common shares - - - 366.65M 362.92M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 3145.71M 3043.97M 3043.97M 2773.83M 2455.56M
Intangible assets 716.67M 685.26M 685.26M 20.00M 505.60M
Other current assets 281.03M 261.53M 261.53M 254.47M 202.84M
Total liab 1093.76M 913.14M 913.14M 399.73M 1073.94M
Total stockholder equity 2051.95M 2130.83M 2130.83M 1608.51M 1381.62M
Deferred long term liab - - - 244.43M 143.75M
Other current liab 226.54M 207.43M 207.43M -399.73M 120.56M
Common stock 1.05M 1.04M 1.04M 1.04M 1.04M
Capital stock 1.05M 1.04M 1.04M 1.04M 1.04M
Retained earnings 3705.16M 3372.79M 3372.79M 2855.75M 2636.34M
Other liab - - - 326.06M 374.34M
Good will 827.74M 804.80M 804.80M 804.80M 687.46M
Other assets 3145.71M 2624.04M - 615.72M 372.16M
Cash 12.06M 101.95M 101.95M 12.24M 48.79M
Total current liabilities 556.24M 535.78M 535.78M 399.73M 543.83M
Current deferred revenue 294.76M 290.49M 290.49M 399.73M 402.17M
Net debt 27.94M -101.95M -101.95M 262.76M 66.28M
Short term debt - 9.40M 98.45M 380.57M 0.07M
Short long term debt - - 90.00M - -
Short long term debt total 40.00M 51.19M 209.60M 275.00M 115.07M
Other stockholder equity -1654.26M -1243.01M -1243.01M -1248.28M -1255.76M
Property plant equipment - - - 205.66M 258.58M
Total current assets 649.10M 681.46M 681.46M 12.24M 613.52M
Net tangible assets - - - 152.47M 143.10M
Net receivables 356.01M 317.98M 317.98M 361.25M 361.89M
Long term debt 40.00M - 60.00M 275.00M 115.00M
Inventory - - -168.77M -615.72M -
Accounts payable 34.94M 28.19M 28.19M 19.16M 21.03M
Common stock total equity - - - 1.04M -
Retained earnings total equity - - - 2855.75M -
Treasury stock - - - -1832.12M -
Non currrent assets other 731.74M 651.49M 651.49M 870.97M 144.65M
Deferred long term asset charges - - - 161.47M -
Non current assets total 2496.62M 2362.51M 2362.51M 2145.86M 1842.04M
Capital lease obligations - - - - 0.07M
Long term debt total - - - 275.00M -
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments -12.72M -232.16M -240.16M -1.00M -196.34M
Change to liabilities - - - -27.32M 13.22M
Total cashflows from investing activities -277.74M -232.16M -240.16M -409.67M -196.34M
Net borrowings 40.00M -150.00M -125.00M 159.94M 14.87M
Total cash from financing activities -574.12M -345.67M -301.83M -8.43M -310.49M
Change to operating activities - - - -132.77M -81.38M
Net income 502.78M 455.75M 381.82M 366.65M 362.92M
Change in cash -89.90M 63.67M 26.04M -36.54M -2.21M
Begin period cash flow 101.95M 38.28M 12.24M 48.79M 50.99M
End period cash flow 12.06M 101.95M 38.28M 12.24M 48.79M
Total cash from operating activities 761.96M 641.50M 568.04M 381.56M 504.63M
Issuance of capital stock 11.63M 11.75M 12.47M 12.37M 7.62M
Depreciation 213.24M 204.75M 199.90M 190.73M 177.62M
Other cashflows from investing activities -155.52M -178.81M -182.05M -369.49M -
Dividends paid 170.41M 164.64M 155.88M 147.24M 139.07M
Change to inventory - - - 12.07M 41.51M
Change to account receivables -29.27M 15.06M 28.22M -12.07M -41.51M
Sale purchase of stock -448.17M -35.05M -28.05M -25.00M -193.92M
Other cashflows from financing activities -7.18M -7.73M -5.38M 801.50M 332.00M
Change to netincome - - - -24.11M 57.05M
Capital expenditures 67.10M 53.36M 58.12M 206.98M 191.39M
Change receivables - - - -12.07M -
Cash flows other operating - - - -112.32M -
Cash and cash equivalents changes - - - -36.54M -
Change in working capital -115.11M -45.86M -45.48M -151.71M -92.96M
Stock based compensation 32.46M 28.39M 28.87M 28.61M 24.78M
Other non cash items 2.56M 1.97M 3.84M -4.52M 0.40M
Free cash flow 694.86M 588.15M 509.92M 174.57M 313.24M

Peer Comparison*

Sector: Technology Industry: Information Technology Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
JKHY
Jack Henry & Associates Inc		 -7.03
3.90%		 173.23 23.59 22.37 4.25 5.62 4.54 13.27
IBM
International Business Machines		 -2.11
0.85%		 245.00 22.06 18.73 3.39 6.81 4.22 16.61
ACN
Accenture plc		 -
-%		 260.50 16.00 14.29 1.66 3.84 1.65 9.80
INFY
Infosys Ltd ADR		 -0.30
2.34%		 12.50 25.55 22.78 4.20 8.01 4.10 15.87
FJTSF
Fujitsu Limited		 -
-%		 21.93 21.97 14.84 0.01 3.44 1.86 11.66

Profile*

Jack Henry & Associates Inc

Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate Services. The Core segment provides core information processing platforms to banks and credit unions, which consists 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, money movement and embedded payment capabilities, 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 Services 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; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks; and Symitar, a system designed for credit unions. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and services; 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.

663 West Highway 60, Monett, MO, United States, 65708-8215

417 235 6652

https://www.jackhenry.com

7300

Name Title Year Born
Mr. David B. Foss Chairman & CEO 1962
Mr. Gregory R. Adelson Pres & COO 1965
Mr. Craig Keith Morgan Gen. Counsel & Sec. 1976
Mr. Stacey E. Zengel Sr. VP & Pres of Jack Henry Bank Solutions 1962
Ms. Mimi Carsley CFO & Treasurer 1969
Ms. Renee A. Swearingen Sr. VP, Chief Accounting Officer, Assistant Treasurer & Corp. Controller 1968
Mr. Benjamin Metz Chief Digital & Technology Officer NA
Mr. Rob Zelinka Chief Information Officer NA
Mr. Vance Sherard C.F.A. VP of Investor Relations NA
Mark Folk Sr. Mang. of Corp. Communications NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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