174.48 USD
+0.56 (+0.32%)
174.48 USD
0 (0%)
JKHY gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. JKHY has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. While showing a medium growth rate, JKHY is valued expensive at the moment. With these ratings, JKHY could be worth investigating further for quality investing!.
1. Profitability
1.1 Basic Checks
In the past year JKHY was profitable.
JKHY had a positive operating cash flow in the past year.
JKHY had positive earnings in each of the past 5 years.
In the past 5 years JKHY always reported a positive cash flow from operatings.
1.2 Ratios
JKHY's Return On Assets of 15.77% is amongst the best of the industry. JKHY outperforms 95.92% of its industry peers.
JKHY has a Return On Equity of 22.11%. This is amongst the best in the industry. JKHY outperforms 86.73% of its industry peers.
With an excellent Return On Invested Capital value of 17.79%, JKHY belongs to the best of the industry, outperforming 93.88% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for JKHY is significantly above the industry average of 8.20%.
The last Return On Invested Capital (17.79%) for JKHY is above the 3 year average (16.83%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 15.77% | ||
| ROE | 22.11% | ||
| ROIC | 17.79% |
ROA(3y)13.75%
ROA(5y)13.87%
ROE(3y)21.63%
ROE(5y)22.96%
ROIC(3y)16.83%
ROIC(5y)17.31%
1.3 Margins
Looking at the Profit Margin, with a value of 19.86%, JKHY is in the better half of the industry, outperforming 79.59% of the companies in the same industry.
JKHY's Profit Margin has improved in the last couple of years.
The Operating Margin of JKHY (24.87%) is better than 70.41% of its industry peers.
In the last couple of years the Operating Margin of JKHY has remained more or less at the same level.
With a decent Gross Margin value of 43.54%, JKHY is doing good in the industry, outperforming 65.31% of the companies in the same industry.
JKHY's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 24.87% | ||
| PM (TTM) | 19.86% | ||
| GM | 43.54% |
OM growth 3Y-0.67%
OM growth 5Y1.08%
PM growth 3Y0.9%
PM growth 5Y1.88%
GM growth 3Y0.63%
GM growth 5Y1.03%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), JKHY is creating value.
The number of shares outstanding for JKHY remains at a similar level compared to 1 year ago.
Compared to 5 years ago, JKHY has less shares outstanding
JKHY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
JKHY has an Altman-Z score of 11.79. This indicates that JKHY is financially healthy and has little risk of bankruptcy at the moment.
JKHY's Altman-Z score of 11.79 is amongst the best of the industry. JKHY outperforms 93.88% of its industry peers.
JKHY has a debt to FCF ratio of 0.05. This is a very positive value and a sign of high solvency as it would only need 0.05 years to pay back of all of its debts.
JKHY's Debt to FCF ratio of 0.05 is amongst the best of the industry. JKHY outperforms 90.82% of its industry peers.
JKHY has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.01, JKHY belongs to the top of the industry, outperforming 86.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.05 | ||
| Altman-Z | 11.79 |
ROIC/WACC2.05
WACC8.67%
2.3 Liquidity
JKHY has a Current Ratio of 1.49. This is a normal value and indicates that JKHY is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.49, JKHY is in the better half of the industry, outperforming 69.39% of the companies in the same industry.
JKHY has a Quick Ratio of 1.49. This is a normal value and indicates that JKHY is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.49, JKHY is doing good in the industry, outperforming 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.49 | ||
| Quick Ratio | 1.49 |
3. Growth
3.1 Past
JKHY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.51%, which is quite impressive.
The Earnings Per Share has been growing by 10.08% on average over the past years. This is quite good.
Looking at the last year, JKHY shows a small growth in Revenue. The Revenue has grown by 7.75% in the last year.
The Revenue has been growing slightly by 6.96% on average over the past years.
EPS 1Y (TTM)20.51%
EPS 3Y8.1%
EPS 5Y10.08%
EPS Q2Q%20.86%
Revenue 1Y (TTM)7.75%
Revenue growth 3Y6.93%
Revenue growth 5Y6.96%
Sales Q2Q%7.28%
3.2 Future
JKHY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.59% yearly.
JKHY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.79% yearly.
EPS Next Y4.76%
EPS Next 2Y6.31%
EPS Next 3Y6.39%
EPS Next 5Y9.59%
Revenue Next Year5.79%
Revenue Next 2Y6.12%
Revenue Next 3Y6.49%
Revenue Next 5Y6.79%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 26.52, the valuation of JKHY can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of JKHY indicates a slightly more expensive valuation: JKHY is more expensive than 66.33% of the companies listed in the same industry.
JKHY is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 24.74, which indicates a rather expensive current valuation of JKHY.
Based on the Price/Forward Earnings ratio, JKHY is valued a bit more expensive than 67.35% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.56, JKHY is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.52 | ||
| Fwd PE | 24.74 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of JKHY is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of JKHY is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 30.57 | ||
| EV/EBITDA | 15.62 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates JKHY does not grow enough to justify the current Price/Earnings ratio.
The excellent profitability rating of JKHY may justify a higher PE ratio.
PEG (NY)5.57
PEG (5Y)2.63
EPS Next 2Y6.31%
EPS Next 3Y6.39%
5. Dividend
5.1 Amount
JKHY has a Yearly Dividend Yield of 1.33%. Purely for dividend investing, there may be better candidates out there.
JKHY's Dividend Yield is comparable with the industry average which is at 4.97.
With a Dividend Yield of 1.33, JKHY pays less dividend than the S&P500 average, which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.33% |
5.2 History
On average, the dividend of JKHY grows each year by 6.38%, which is quite nice.
JKHY has paid a dividend for at least 10 years, which is a reliable track record.
JKHY has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)6.38%
Div Incr Years21
Div Non Decr Years34
5.3 Sustainability
JKHY pays out 34.69% of its income as dividend. This is a sustainable payout ratio.
The dividend of JKHY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.69%
EPS Next 2Y6.31%
EPS Next 3Y6.39%
174.48
+0.56 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners100.08%
Inst Owner Change0.18%
Ins Owners0.51%
Ins Owner Change4.44%
Market Cap12.63B
Revenue(TTM)2.42B
Net Income(TTM)480.54M
Analysts71.3
Price Target182.93 (4.84%)
Short Float %5.42%
Short Ratio3.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.33% |
Yearly Dividend2.26
Dividend Growth(5Y)6.38%
DP34.69%
Div Incr Years21
Div Non Decr Years34
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.81%
Min EPS beat(2)8.73%
Max EPS beat(2)12.89%
EPS beat(4)3
Avg EPS beat(4)7.71%
Min EPS beat(4)-0.45%
Max EPS beat(4)12.89%
EPS beat(8)6
Avg EPS beat(8)5.21%
EPS beat(12)8
Avg EPS beat(12)4.41%
EPS beat(16)12
Avg EPS beat(16)5.16%
Revenue beat(2)0
Avg Revenue beat(2)-0.36%
Min Revenue beat(2)-0.5%
Max Revenue beat(2)-0.21%
Revenue beat(4)0
Avg Revenue beat(4)-1.38%
Min Revenue beat(4)-2.46%
Max Revenue beat(4)-0.21%
Revenue beat(8)0
Avg Revenue beat(8)-1.69%
Revenue beat(12)1
Avg Revenue beat(12)-1.37%
Revenue beat(16)2
Avg Revenue beat(16)-1.13%
PT rev (1m)-3.35%
PT rev (3m)-3.73%
EPS NQ rev (1m)-4.36%
EPS NQ rev (3m)-3.99%
EPS NY rev (1m)0.02%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)0.48%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.52 | ||
| Fwd PE | 24.74 | ||
| P/S | 5.22 | ||
| P/FCF | 30.57 | ||
| P/OCF | 19.57 | ||
| P/B | 5.81 | ||
| P/tB | 19.94 | ||
| EV/EBITDA | 15.62 |
EPS(TTM)6.58
EY3.77%
EPS(NY)7.05
Fwd EY4.04%
FCF(TTM)5.71
FCFY3.27%
OCF(TTM)8.91
OCFY5.11%
SpS33.42
BVpS30.03
TBVpS8.75
PEG (NY)5.57
PEG (5Y)2.63
Graham Number66.67
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 15.77% | ||
| ROE | 22.11% | ||
| ROCE | 23.03% | ||
| ROIC | 17.79% | ||
| ROICexc | 18.04% | ||
| ROICexgc | 44.87% | ||
| OM | 24.87% | ||
| PM (TTM) | 19.86% | ||
| GM | 43.54% | ||
| FCFM | 17.08% |
ROA(3y)13.75%
ROA(5y)13.87%
ROE(3y)21.63%
ROE(5y)22.96%
ROIC(3y)16.83%
ROIC(5y)17.31%
ROICexc(3y)17.2%
ROICexc(5y)17.73%
ROICexgc(3y)48.04%
ROICexgc(5y)49.96%
ROCE(3y)21.8%
ROCE(5y)22.42%
ROICexgc growth 3Y-4.31%
ROICexgc growth 5Y-1.72%
ROICexc growth 3Y-2.47%
ROICexc growth 5Y1.1%
OM growth 3Y-0.67%
OM growth 5Y1.08%
PM growth 3Y0.9%
PM growth 5Y1.88%
GM growth 3Y0.63%
GM growth 5Y1.03%
F-Score9
Asset Turnover0.79
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.05 | ||
| Debt/EBITDA | 0.02 | ||
| Cap/Depr | 112.55% | ||
| Cap/Sales | 9.59% | ||
| Interest Coverage | 63.75 | ||
| Cash Conversion | 79.89% | ||
| Profit Quality | 85.98% | ||
| Current Ratio | 1.49 | ||
| Quick Ratio | 1.49 | ||
| Altman-Z | 11.79 |
F-Score9
WACC8.67%
ROIC/WACC2.05
Cap/Depr(3y)112.57%
Cap/Depr(5y)107.06%
Cap/Sales(3y)10.06%
Cap/Sales(5y)9.8%
Profit Quality(3y)75.19%
Profit Quality(5y)81.91%
High Growth Momentum
Growth
EPS 1Y (TTM)20.51%
EPS 3Y8.1%
EPS 5Y10.08%
EPS Q2Q%20.86%
EPS Next Y4.76%
EPS Next 2Y6.31%
EPS Next 3Y6.39%
EPS Next 5Y9.59%
Revenue 1Y (TTM)7.75%
Revenue growth 3Y6.93%
Revenue growth 5Y6.96%
Sales Q2Q%7.28%
Revenue Next Year5.79%
Revenue Next 2Y6.12%
Revenue Next 3Y6.49%
Revenue Next 5Y6.79%
EBIT growth 1Y18.41%
EBIT growth 3Y6.22%
EBIT growth 5Y8.12%
EBIT Next Year44.36%
EBIT Next 3Y18.55%
EBIT Next 5Y16.01%
FCF growth 1Y117%
FCF growth 3Y9.42%
FCF growth 5Y4.27%
OCF growth 1Y60.54%
OCF growth 3Y8.33%
OCF growth 5Y4.67%
JACK HENRY & ASSOCIATES INC / JKHY FAQ
What is the ChartMill fundamental rating of JACK HENRY & ASSOCIATES INC (JKHY) stock?
ChartMill assigns a fundamental rating of 6 / 10 to JKHY.
What is the valuation status of JACK HENRY & ASSOCIATES INC (JKHY) stock?
ChartMill assigns a valuation rating of 2 / 10 to JACK HENRY & ASSOCIATES INC (JKHY). This can be considered as Overvalued.
What is the profitability of JKHY stock?
JACK HENRY & ASSOCIATES INC (JKHY) has a profitability rating of 8 / 10.
Can you provide the PE and PB ratios for JKHY stock?
The Price/Earnings (PE) ratio for JACK HENRY & ASSOCIATES INC (JKHY) is 26.52 and the Price/Book (PB) ratio is 5.81.
How sustainable is the dividend of JACK HENRY & ASSOCIATES INC (JKHY) stock?
The dividend rating of JACK HENRY & ASSOCIATES INC (JKHY) is 6 / 10 and the dividend payout ratio is 34.69%.