Jack Henry & Associates (JKHY)

Financials · $12.0B market cap · SEC CIK 0000779152

Next reports on Jan 25, 2027, with analysts expecting $1.82 in earnings per share.

52-week range $121.04 to $193.39. 9% below its 52-week high and 45% above its low.

The case for JKHY

• Return on equity of 23%.
• Moves less than the market (beta 0.51).
• Pays a modest 1.4% dividend.

The case against

• Weakest against its peers: price/sales of 4.7× is higher than 77% of Financials companies.
• Its weakest area is growth (46/100): revenue +7.1%, EPS +11.8%, +7.7% a year over five years.

What the score is made of

Each factor is half a curve over reported figures and half a rank among the other Financials companies (momentum is judged against fixed thresholds only), and the five are blended by weight. The score is where that blend places it in the S&P 500. It describes the last filing and the current price. It is not a forecast.

• Its debt and cash flow are not scored, as for every company in the Financials sector: for banks, insurers and brokers, borrowing is the business.
• Each factor except momentum is half fixed thresholds, half rank among the 76 Financials companies.

The financials

The financials, five years deep

Pulled from Jack Henry & Associates's XBRL filings on SEC EDGAR. Italic rows are worked out from the others.

What Jack Henry & Associates says it does

Jack Henry & Associates, Inc. ® is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. For 50 years, we have provided technology solutions to help banks and credit unions innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower over 7,200 financial institutions and diverse corporate entities with people-inspired innovation, personal service, and insight-driven solutions. Mission Statement We strengthen the connections between people and their financial institutions through technology and services that reduce the barriers to financial health. This mission has always been part of the foundation on which Jack Henry was built. Our founders, Jack Henry and Jerry Hall, were committed to their community and believed they could help financial institutions better serve…

Risk factors JKHY lists in its 10-K

• Data security breaches, failures, or other incidents could damage our reputation and business
• Failure to maintain sufficient technological infrastructure or an operational failure in our outsourcing facilities could expose us to damage claims, increase regulatory scrutiny, and cause us to lose clients
• Failures associated with payment transactions could result in financial loss
• Failures of third-party service providers we rely upon could lead to financial loss
• We operate in highly competitive and rapidly evolving markets and our business will be adversely affected if we fail to compete effectively
• Failure to achieve favorable renewals of service contracts could negatively affect our business
• If we fail to adapt our products and services to changes in technology and the markets we serve, we could lose existing clients and be unable to attract new business
• Software defects or problems with installations and updates may harm our business and reputation and expose us to potential liability
• Expansion of services to non-traditional clients could expose us to new risks
• The software and services we provide to our clients are subject to government regulation that could hinder the development of our business, increase costs, or impose constraints on the way we conduct our operations
• Compliance with data privacy and cybersecurity laws, regulations, and rules may adversely impact our expenses, development, and strategy
• Failure to comply or readily address compliance and regulatory rule changes made by payment card networks could adversely affect our business
• Natural disasters, public health crises, wars, acts of terrorism, other armed conflict, and workforce shortages could adversely affect our results of operations
• Our business may be adversely impacted by general U.S. and global market and economic conditions or specific conditions in the financial services industry
• Consolidation and failures of financial institutions will continue to reduce the number of our clients and potential clients
• Our selective pursuit of strategic transactions may be limited by market conditions, which could impact our ability to complement our organic growth
• Any transactions we pursue subject us to operational, financial, and integration risks
• If others claim that we have infringed their intellectual property rights, we could be liable for significant damages or could be required to change our processes
• Our failure to protect our intellectual property and proprietary rights may adversely affect our competitive position
• A material weakness in our internal controls could have a material adverse effect on us
• The loss of key associates and difficulties in hiring and retaining associates could adversely affect our business
• Unfavorable resolution of tax contingencies or unfavorable future tax law changes could adversely affect our tax expense
• The impairment of a significant portion of our goodwill and intangible assets would adversely affect our results of operations
• Changes in interest rates could increase our borrowing costs or result in decreased interest income

Filings

Other Financials companies