JACK HENRY & ASSOCIATES INC (JKHY) Fundamental Analysis & Valuation

NASDAQ:JKHY • US4262811015

Current stock price

154.15 USD
+0.75 (+0.49%)
At close:
154.15 USD
0 (0%)
After Hours:

This JKHY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

9

1. JKHY Profitability Analysis

1.1 Basic Checks

  • JKHY had positive earnings in the past year.
  • In the past year JKHY had a positive cash flow from operations.
  • JKHY had positive earnings in each of the past 5 years.
  • JKHY had a positive operating cash flow in each of the past 5 years.
JKHY Yearly Net Income VS EBIT VS OCF VS FCFJKHY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 16.58%, JKHY belongs to the top of the industry, outperforming 95.96% of the companies in the same industry.
  • With an excellent Return On Equity value of 23.03%, JKHY belongs to the best of the industry, outperforming 87.88% of the companies in the same industry.
  • The Return On Invested Capital of JKHY (18.41%) is better than 93.94% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for JKHY is significantly above the industry average of 8.00%.
  • The last Return On Invested Capital (18.41%) for JKHY is above the 3 year average (16.83%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 16.58%
ROE 23.03%
ROIC 18.41%
ROA(3y)13.75%
ROA(5y)13.87%
ROE(3y)21.63%
ROE(5y)22.96%
ROIC(3y)16.83%
ROIC(5y)17.31%
JKHY Yearly ROA, ROE, ROICJKHY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • With an excellent Profit Margin value of 20.59%, JKHY belongs to the best of the industry, outperforming 80.81% of the companies in the same industry.
  • JKHY's Profit Margin has improved in the last couple of years.
  • JKHY's Operating Margin of 25.87% is fine compared to the rest of the industry. JKHY outperforms 72.73% of its industry peers.
  • JKHY's Operating Margin has been stable in the last couple of years.
  • Looking at the Gross Margin, with a value of 43.84%, JKHY is in the better half of the industry, outperforming 67.68% of the companies in the same industry.
  • JKHY's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 25.87%
PM (TTM) 20.59%
GM 43.84%
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%
JKHY Yearly Profit, Operating, Gross MarginsJKHY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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8

2. JKHY Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), JKHY is creating value.
  • JKHY has about the same amout of shares outstanding than it did 1 year ago.
  • JKHY has less shares outstanding than it did 5 years ago.
  • JKHY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
JKHY Yearly Shares OutstandingJKHY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
JKHY Yearly Total Debt VS Total AssetsJKHY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • An Altman-Z score of 10.96 indicates that JKHY is not in any danger for bankruptcy at the moment.
  • JKHY's Altman-Z score of 10.96 is amongst the best of the industry. JKHY outperforms 95.96% of its industry peers.
  • JKHY has a debt to FCF ratio of 0.04. This is a very positive value and a sign of high solvency as it would only need 0.04 years to pay back of all of its debts.
  • The Debt to FCF ratio of JKHY (0.04) is better than 90.91% 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.
  • JKHY has a Debt to Equity ratio of 0.01. This is amongst the best in the industry. JKHY outperforms 85.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.04
Altman-Z 10.96
ROIC/WACC2.06
WACC8.94%
JKHY Yearly LT Debt VS Equity VS FCFJKHY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.3 Liquidity

  • JKHY has a Current Ratio of 1.60. This is a normal value and indicates that JKHY is financially healthy and should not expect problems in meeting its short term obligations.
  • JKHY's Current ratio of 1.60 is fine compared to the rest of the industry. JKHY outperforms 71.72% of its industry peers.
  • A Quick Ratio of 1.60 indicates that JKHY should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.60, JKHY is doing good in the industry, outperforming 73.74% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.6
Quick Ratio 1.6
JKHY Yearly Current Assets VS Current LiabilitesJKHY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. JKHY Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 25.63% over the past year.
  • Measured over the past years, JKHY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.08% on average per year.
  • Looking at the last year, JKHY shows a quite strong growth in Revenue. The Revenue has grown by 8.41% in the last year.
  • JKHY shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.96% yearly.
EPS 1Y (TTM)25.63%
EPS 3Y8.1%
EPS 5Y10.08%
EPS Q2Q%28.36%
Revenue 1Y (TTM)8.41%
Revenue growth 3Y6.93%
Revenue growth 5Y6.96%
Sales Q2Q%7.93%

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 Y9.38%
EPS Next 2Y7.89%
EPS Next 3Y8.19%
EPS Next 5Y9.59%
Revenue Next Year6.83%
Revenue Next 2Y6.59%
Revenue Next 3Y6.59%
Revenue Next 5Y6.79%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
JKHY Yearly Revenue VS EstimatesJKHY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 1B 2B 3B
JKHY Yearly EPS VS EstimatesJKHY Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6 8

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3

4. JKHY Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 22.15, JKHY is valued on the expensive side.
  • JKHY's Price/Earnings is on the same level as the industry average.
  • JKHY is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.53, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 21.22, the valuation of JKHY can be described as rather expensive.
  • Based on the Price/Forward Earnings ratio, JKHY is valued a bit more expensive than 60.61% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of JKHY to the average of the S&P500 Index (37.95), we can say JKHY is valued slightly cheaper.
Industry RankSector Rank
PE 22.15
Fwd PE 21.22
JKHY Price Earnings VS Forward Price EarningsJKHY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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.
  • JKHY's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 23.65
EV/EBITDA 13.09
JKHY Per share dataJKHY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
  • JKHY has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)2.36
PEG (5Y)2.2
EPS Next 2Y7.89%
EPS Next 3Y8.19%

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7

5. JKHY Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.59%, JKHY has a reasonable but not impressive dividend return.
  • JKHY's Dividend Yield is a higher than the industry average which is at 1.86.
  • JKHY's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.59%

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 Years22
Div Non Decr Years34
JKHY Yearly Dividends per shareJKHY Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • JKHY pays out 33.20% 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.
DP33.2%
EPS Next 2Y7.89%
EPS Next 3Y8.19%
JKHY Yearly Income VS Free CF VS DividendJKHY Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
JKHY Dividend Payout.JKHY Dividend Payout, showing the Payout Ratio.JKHY Dividend Payout.PayoutRetained Earnings

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JKHY Fundamentals: All Metrics, Ratios and Statistics

JACK HENRY & ASSOCIATES INC

NASDAQ:JKHY (4/16/2026, 8:00:02 PM)

After market: 154.15 0 (0%)

154.15

+0.75 (+0.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners104.57%
Inst Owner Change-0.05%
Ins Owners0.5%
Ins Owner Change-1.79%
Market Cap11.13B
Revenue(TTM)2.46B
Net Income(TTM)507.37M
Analysts81.82
Price Target206.7 (34.09%)
Short Float %6.19%
Short Ratio4.05
Dividend
Industry RankSector Rank
Dividend Yield 1.59%
Yearly Dividend2.26
Dividend Growth(5Y)6.38%
DP33.2%
Div Incr Years22
Div Non Decr Years34
Ex-Date03-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.32%
Min EPS beat(2)12.89%
Max EPS beat(2)17.75%
EPS beat(4)4
Avg EPS beat(4)12.26%
Min EPS beat(4)8.73%
Max EPS beat(4)17.75%
EPS beat(8)6
Avg EPS beat(8)6.36%
EPS beat(12)9
Avg EPS beat(12)6.16%
EPS beat(16)12
Avg EPS beat(16)5.47%
Revenue beat(2)0
Avg Revenue beat(2)-0.4%
Min Revenue beat(2)-0.5%
Max Revenue beat(2)-0.29%
Revenue beat(4)0
Avg Revenue beat(4)-0.86%
Min Revenue beat(4)-2.46%
Max Revenue beat(4)-0.21%
Revenue beat(8)0
Avg Revenue beat(8)-1.59%
Revenue beat(12)1
Avg Revenue beat(12)-1.07%
Revenue beat(16)1
Avg Revenue beat(16)-1.36%
PT rev (1m)-0.46%
PT rev (3m)8.59%
EPS NQ rev (1m)0.11%
EPS NQ rev (3m)-2.49%
EPS NY rev (1m)0%
EPS NY rev (3m)3.59%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)0.4%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)0.47%
Valuation
Industry RankSector Rank
PE 22.15
Fwd PE 21.22
P/S 4.51
P/FCF 23.65
P/OCF 15.71
P/B 5.05
P/tB 16.78
EV/EBITDA 13.09
EPS(TTM)6.96
EY4.52%
EPS(NY)7.26
Fwd EY4.71%
FCF(TTM)6.52
FCFY4.23%
OCF(TTM)9.81
OCFY6.37%
SpS34.15
BVpS30.53
TBVpS9.19
PEG (NY)2.36
PEG (5Y)2.2
Graham Number69.1402 (-55.15%)
Profitability
Industry RankSector Rank
ROA 16.58%
ROE 23.03%
ROCE 23.84%
ROIC 18.41%
ROICexc 18.6%
ROICexgc 44.49%
OM 25.87%
PM (TTM) 20.59%
GM 43.84%
FCFM 19.09%
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 Turnover0.81
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.04
Debt/EBITDA 0.02
Cap/Depr 114.6%
Cap/Sales 9.65%
Interest Coverage 85.3
Cash Conversion 83.79%
Profit Quality 92.71%
Current Ratio 1.6
Quick Ratio 1.6
Altman-Z 10.96
F-Score9
WACC8.94%
ROIC/WACC2.06
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)25.63%
EPS 3Y8.1%
EPS 5Y10.08%
EPS Q2Q%28.36%
EPS Next Y9.38%
EPS Next 2Y7.89%
EPS Next 3Y8.19%
EPS Next 5Y9.59%
Revenue 1Y (TTM)8.41%
Revenue growth 3Y6.93%
Revenue growth 5Y6.96%
Sales Q2Q%7.93%
Revenue Next Year6.83%
Revenue Next 2Y6.59%
Revenue Next 3Y6.59%
Revenue Next 5Y6.79%
EBIT growth 1Y24.54%
EBIT growth 3Y6.22%
EBIT growth 5Y8.12%
EBIT Next Year46.62%
EBIT Next 3Y19.18%
EBIT Next 5Y16.01%
FCF growth 1Y122.78%
FCF growth 3Y9.42%
FCF growth 5Y4.27%
OCF growth 1Y64.87%
OCF growth 3Y8.33%
OCF growth 5Y4.67%

JACK HENRY & ASSOCIATES INC / JKHY Fundamental Analysis FAQ

What is the ChartMill fundamental rating of JACK HENRY & ASSOCIATES INC (JKHY) stock?

ChartMill assigns a fundamental rating of 7 / 10 to JKHY.


What is the valuation status for JKHY stock?

ChartMill assigns a valuation rating of 3 / 10 to JACK HENRY & ASSOCIATES INC (JKHY). This can be considered as Overvalued.


How profitable is JACK HENRY & ASSOCIATES INC (JKHY) stock?

JACK HENRY & ASSOCIATES INC (JKHY) has a profitability rating of 9 / 10.


Can you provide the PE and PB ratios for JKHY stock?

The Price/Earnings (PE) ratio for JACK HENRY & ASSOCIATES INC (JKHY) is 22.15 and the Price/Book (PB) ratio is 5.05.


Is the dividend of JACK HENRY & ASSOCIATES INC sustainable?

The dividend rating of JACK HENRY & ASSOCIATES INC (JKHY) is 7 / 10 and the dividend payout ratio is 33.2%.