187.75 USD
+1.78 (+0.96%)
187.75 USD
0 (0%)
Taking everything into account, JKHY scores 6 out of 10 in our fundamental rating. JKHY was compared to 98 industry peers in the Financial Services industry. JKHY scores excellent points on both the profitability and health parts. This is a solid base for a good stock. JKHY is valied quite expensively at the moment, while it does show a decent growth rate. These ratings would make JKHY suitable for quality investing!
1. Profitability
1.1 Basic Checks
In the past year JKHY was profitable.
In the past year JKHY had a positive cash flow from operations.
In the past 5 years JKHY has always been profitable.
Each year in the past 5 years JKHY had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 15.77%, JKHY belongs to the best of the industry, outperforming 95.92% of the companies in the same industry.
The Return On Equity of JKHY (22.11%) is better than 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.
JKHY had an Average Return On Invested Capital over the past 3 years of 16.83%. This is significantly above the industry average of 8.44%.
The 3 year average ROIC (16.83%) for JKHY is below the current ROIC(17.79%), indicating increased profibility in the last year.
| 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
JKHY's Profit Margin of 19.86% is fine compared to the rest of the industry. JKHY outperforms 79.59% of its industry peers.
In the last couple of years the Profit Margin of JKHY has grown nicely.
With a decent Operating Margin value of 24.87%, JKHY is doing good in the industry, outperforming 71.43% of the companies in the same industry.
JKHY's Operating Margin has been stable in the last couple of years.
With a decent Gross Margin value of 43.54%, JKHY is doing good in the industry, outperforming 66.33% of the companies in the same industry.
In the last couple of years the Gross Margin of JKHY has remained more or less at the same level.
| 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
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so JKHY is creating value.
Compared to 1 year ago, JKHY has about the same amount of shares outstanding.
The number of shares outstanding for JKHY has been reduced compared to 5 years ago.
There is no outstanding debt for JKHY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
JKHY has an Altman-Z score of 12.36. This indicates that JKHY is financially healthy and has little risk of bankruptcy at the moment.
JKHY has a Altman-Z score of 12.36. This is amongst the best in the industry. JKHY outperforms 95.92% 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 has a Debt to FCF ratio of 0.05. This is amongst the best in the industry. JKHY outperforms 91.84% 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 better Debt to Equity ratio (0.01) than 86.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.05 | ||
| Altman-Z | 12.36 |
ROIC/WACC2.01
WACC8.84%
2.3 Liquidity
A Current Ratio of 1.49 indicates that JKHY should not have too much problems paying its short term obligations.
JKHY has a better Current ratio (1.49) than 70.41% of its industry peers.
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.
The Quick ratio of JKHY (1.49) is better than 72.45% of its industry peers.
| 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.
JKHY shows a small growth in Revenue. In the last year, the Revenue has grown by 7.75%.
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
The Earnings Per Share is expected to grow by 9.59% on average over the next years. This is quite good.
Based on estimates for the next years, JKHY will show a small growth in Revenue. The Revenue will grow by 6.79% on average per year.
EPS Next Y5.59%
EPS Next 2Y6.36%
EPS Next 3Y6.61%
EPS Next 5Y9.59%
Revenue Next Year6.33%
Revenue Next 2Y6.3%
Revenue Next 3Y6.43%
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.
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
A Price/Earnings ratio of 28.53 indicates a quite expensive valuation of JKHY.
Compared to the rest of the industry, the Price/Earnings ratio of JKHY indicates a slightly more expensive valuation: JKHY is more expensive than 64.29% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.00. JKHY is around the same levels.
A Price/Forward Earnings ratio of 26.60 indicates a quite expensive valuation of JKHY.
Based on the Price/Forward Earnings ratio, JKHY is valued a bit more expensive than 65.31% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of JKHY to the average of the S&P500 Index (23.70), we can say JKHY is valued inline with the index average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.53 | ||
| Fwd PE | 26.6 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as JKHY.
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 | 32.89 | ||
| EV/EBITDA | 16.65 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
JKHY has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)5.11
PEG (5Y)2.83
EPS Next 2Y6.36%
EPS Next 3Y6.61%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.27%, JKHY has a reasonable but not impressive dividend return.
JKHY's Dividend Yield is comparable with the industry average which is at 2.35.
JKHY's Dividend Yield is slightly below the S&P500 average, which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
5.2 History
The dividend of JKHY is nicely growing with an annual growth rate of 6.38%!
JKHY has been paying a dividend for at least 10 years, so it has 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
34.69% of the earnings are spent on dividend by JKHY. This is a low number and sustainable payout ratio.
The dividend of JKHY is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.69%
EPS Next 2Y6.36%
EPS Next 3Y6.61%
187.75
+1.78 (+0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners100.81%
Inst Owner Change0%
Ins Owners0.5%
Ins Owner Change1.69%
Market Cap13.59B
Revenue(TTM)2.42B
Net Income(TTM)480.54M
Analysts74.78
Price Target190.36 (1.39%)
Short Float %5.15%
Short Ratio4.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.27% |
Yearly Dividend2.26
Dividend Growth(5Y)6.38%
DP34.69%
Div Incr Years21
Div Non Decr Years34
Ex-DateN/A
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)4.06%
PT rev (3m)0.58%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-3.99%
EPS NY rev (1m)0.01%
EPS NY rev (3m)0.64%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)0.53%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.53 | ||
| Fwd PE | 26.6 | ||
| P/S | 5.62 | ||
| P/FCF | 32.89 | ||
| P/OCF | 21.06 | ||
| P/B | 6.25 | ||
| P/tB | 21.46 | ||
| EV/EBITDA | 16.65 |
EPS(TTM)6.58
EY3.5%
EPS(NY)7.06
Fwd EY3.76%
FCF(TTM)5.71
FCFY3.04%
OCF(TTM)8.91
OCFY4.75%
SpS33.42
BVpS30.03
TBVpS8.75
PEG (NY)5.11
PEG (5Y)2.83
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 | 12.36 |
F-Score9
WACC8.84%
ROIC/WACC2.01
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 Y5.59%
EPS Next 2Y6.36%
EPS Next 3Y6.61%
EPS Next 5Y9.59%
Revenue 1Y (TTM)7.75%
Revenue growth 3Y6.93%
Revenue growth 5Y6.96%
Sales Q2Q%7.28%
Revenue Next Year6.33%
Revenue Next 2Y6.3%
Revenue Next 3Y6.43%
Revenue Next 5Y6.79%
EBIT growth 1Y18.41%
EBIT growth 3Y6.22%
EBIT growth 5Y8.12%
EBIT Next Year43.33%
EBIT Next 3Y17.69%
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 for 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.
What are the PE and PB ratios of JACK HENRY & ASSOCIATES INC (JKHY) stock?
The Price/Earnings (PE) ratio for JACK HENRY & ASSOCIATES INC (JKHY) is 28.53 and the Price/Book (PB) ratio is 6.25.
What is the expected EPS growth for JACK HENRY & ASSOCIATES INC (JKHY) stock?
The Earnings per Share (EPS) of JACK HENRY & ASSOCIATES INC (JKHY) is expected to grow by 5.59% in the next year.