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Jack Henry & Associates

NASDAQ: JKHY

Stock price

173.62 USD

(+0%) TODAY

Transaction & Payment Processing ServicesInformation Technology Services

Financial Performance

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5Y price score: 0

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The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.

A score of 100 indicates that the stock did as well as the S&P 500 Index.

A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.

10Y return: 116.4%

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    121.0

    52-week range

    193.3

    173.62

    Your model inputs

    Required return / cost of capital
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    FCFF terminal growth rate
    %

    Your fair value & Margin of safety

    To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.

    Forecast:

    Valuation

    Free Cash Flow Yield

    Help
    FCF Yield TTM = Trailing Twelve Months free cash flow per share / current market price per shareLearn more

    5.5 %

    Dividend Yield TTM

    1.4 %

    Market cap $

    $ 12,336

    Price / Earnings TTM

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    P/E TTM = current market price per share / Trailing Twelve Months diluted earnings per shareLearn more

    24.9

    Price / Book TTM

    5.9

    PEG TTM

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    Price/Earnings-to-Growth ratio = P/E TTM divided by most recent annual diluted earnings per share growth rateLearn more

    (2.4)

    Earnings growth and return

    LTM

    5YR

    10YR

    Total return (price & dividends)

    8.8 %

    5.9 %

    116.4 %

    Free cash flow per share growth

    (9.2) %

    133 %

    149 %

    Earnings per share growth

    (10.3) %

    69.4 %

    123.7 %

    Founded: 1,976

    Employees: 7,170

    Business Summary:Jack Henry & Associates, Inc. (JHA) is a prominent provider of technology and payment processing solutions, primarily catering to financial institutions throughout the United States. The company's operations are segmented into four key areas: Core, Payments, Complementary, and Corporate & Other. Under its Jack Henry Banking brand, JHA offers comprehensive information and transaction processing systems designed for a diverse range of banks, from community-focused establishments to large institutions with multi-billion-dollar assets. Notable products within this brand include SilverLake, a robust platform particularly well-suited for commercially-oriented banks; CIF 20/20, an intuitive system driven by customizable parameters; and Core Director, an economical solution known for its user-friendly point-and-click interface. For credit unions, the Symitar brand delivers essential core data processing capabilities, prominently featuring its powerful Episys platform. The ProfitStars brand extends JHA's specialized offerings to both financial institutions and corporate clients. These solutions encompass tools for enhancing financial performance, streamlining imaging and payments processes, strengthening information security and risk management, optimizing retail delivery channels, and providing modern online and mobile functionalities. Beyond these specific brands, Jack Henry furnishes an integrated suite of applications crucial for managing fundamental banking operations such such as deposit, loan, and general ledger transactions, as well as maintaining a centralized repository of customer and member information. Furthermore, its complementary products and services empower core banking and credit union clients to effectively adapt to the evolving demands and expectations of their customers and members. The company's service portfolio also includes various digital products and services, advanced electronic payment solutions, the resale of hardware systems (such as servers, workstations, and scanners), and critical implementation, training, and ongoing support services. Established in 1976, Jack Henry & Associates, Inc. is headquartered in Monett, Missouri.

    Fair Value Reference Estimate

    Latest Earnings Call Takeaways

    2026 Q4 (Aug 19, 2026)

    1) Record Financial Performance and Sales Growth - Q4 non-GAAP revenue reached $633 million, a 7% YoY increase, exceeding guidance. - Full fiscal year non-GAAP revenue was $2.5 billion, also up 7% YoY. - Non-GAAP operating margin improved to 21% in Q4 and 24% for the year, marking a 92 basis point increase YoY. - Achieved 58 competitive core wins in FY 2026, surpassing the previous record of 57, with 14 wins from institutions over $1 billion in assets.

    2) Strategic Initiatives and Innovations - Continued focus on a public cloud native modernization strategy and innovative solutions, leading to higher-value trifecta deals (core, digital banking, and card). - Expanded collaboration with Google Cloud for AI-driven security capabilities, enhancing cyber resilience for clients. - Launched 22 AI-enabled products and identified over 20 additional AI capabilities for release in the next six months.

    3) Operational Challenges and Headwinds - Experienced a $9 million decline in deconversion revenue due to M&A activity among financial institutions. - Anticipated increased expenses in FY 2027 from self-insured medical costs and investments in cybersecurity and infrastructure. - Q1 non-GAAP revenue growth expected to be modestly below the low end of FY 2027 guidance due to the timing of the annual client conference.

    4) Guidance and Outlook for FY 2027 - FY 2027 GAAP revenue growth guidance set at 5.5% to 6.5%, with non-GAAP revenue growth expected between 6.3% and 7.3%. - Non-GAAP margin projected to expand by 20 to 40 basis points. - Strong sales pipeline and momentum in core wins suggest potential for continued growth, with expectations of 58 to 65 core wins in FY 2027.

    5) Investor Engagement and Future Events - Upcoming Investor Day scheduled for September 15, 2026, to discuss strategies and innovations. - Continued focus on enhancing client relationships and showcasing new solutions at the annual Jack Henry Connect conference in October.

    Bottom line: Jack Henry's robust financial performance, strategic innovations, and strong sales momentum position the company favorably for sustained growth in FY 2027, despite anticipated operational challenges. The focus on larger institutions and AI-driven solutions enhances long-term value for shareholders.

    Annual Reports, Presentations And IR Contacts

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    Annual report links (10K)
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    Jack Henry & Associates — Financial Overview, Stock Price, Market Cap

    Jack Henry & Associates is a company. Founded in 1976. As of August 26, 2026, the company's market capitalization is $12335839896 with a current stock price of $173.62.