JACK HENRY & ASSOCIATES INC (JKHY) Stock Fundamental Analysis

NASDAQ:JKHY • US4262811015

158.59 USD
+1.9 (+1.21%)
At close: Feb 17, 2026
158.59 USD
0 (0%)
After Hours: 2/17/2026, 8:26:43 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, JKHY scores 6 out of 10 in our fundamental rating. JKHY was compared to 97 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. Finally JKHY also has an excellent dividend rating. These ratings could make JKHY a good candidate for dividend and quality investing.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • JKHY had positive earnings in the past year.
  • 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.
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

  • JKHY has a better Return On Assets (15.77%) than 95.88% of its industry peers.
  • The Return On Equity of JKHY (22.11%) is better than 86.60% of its industry peers.
  • With an excellent Return On Invested Capital value of 17.79%, JKHY belongs to the best of the industry, outperforming 93.81% 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 8.38%.
  • The 3 year average ROIC (16.83%) for JKHY is below the current ROIC(17.79%), indicating increased profibility in the last year.
Industry RankSector 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%
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 a decent Profit Margin value of 19.86%, JKHY is doing good in the industry, outperforming 78.35% of the companies in the same industry.
  • In the last couple of years the Profit Margin of JKHY has grown nicely.
  • The Operating Margin of JKHY (24.87%) is better than 72.16% of its industry peers.
  • In the last couple of years the Operating Margin of JKHY has remained more or less at the same level.
  • JKHY has a better Gross Margin (43.54%) than 67.01% of its industry peers.
  • In the last couple of years the Gross Margin of JKHY has remained more or less at the same level.
Industry RankSector 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%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 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.
  • 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

  • JKHY has an Altman-Z score of 10.89. This indicates that JKHY is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 10.89, JKHY belongs to the top of the industry, outperforming 94.85% of the companies in the same industry.
  • The Debt to FCF ratio of JKHY is 0.05, which is an excellent value as it means it would take JKHY, only 0.05 years of fcf income to pay off all of its debts.
  • JKHY has a Debt to FCF ratio of 0.05. This is amongst the best in the industry. JKHY outperforms 90.72% of its industry peers.
  • A Debt/Equity ratio of 0.01 indicates that JKHY is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.01, JKHY belongs to the top of the industry, outperforming 85.57% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.05
Altman-Z 10.89
ROIC/WACC2.05
WACC8.69%
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

  • A Current Ratio of 1.49 indicates that JKHY should not have too much problems paying its short term obligations.
  • With a decent Current ratio value of 1.49, JKHY is doing good in the industry, outperforming 70.10% of the companies in the same industry.
  • A Quick Ratio of 1.49 indicates that JKHY should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.49, JKHY is doing good in the industry, outperforming 72.16% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.49
Quick Ratio 1.49
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. Growth

3.1 Past

  • JKHY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.63%, which is quite impressive.
  • The Earnings Per Share has been growing by 10.08% on average over the past years. This is quite good.
  • The Revenue has grown by 8.41% in the past year. This is quite good.
  • The Revenue has been growing slightly by 6.96% on average over the past years.
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.
  • 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 Y5.89%
EPS Next 2Y6.47%
EPS Next 3Y6.9%
EPS Next 5Y9.59%
Revenue Next Year6.29%
Revenue Next 2Y6.26%
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.
  • 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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 22.79, the valuation of JKHY can be described as rather 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 61.86% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.16, JKHY is valued at the same level.
  • The Price/Forward Earnings ratio is 22.42, which indicates a rather expensive current valuation of JKHY.
  • Based on the Price/Forward Earnings ratio, JKHY is valued a bit more expensive than 64.95% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.10, JKHY is valued a bit cheaper.
Industry RankSector Rank
PE 22.79
Fwd PE 22.42
JKHY Price Earnings VS Forward Price EarningsJKHY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 RankSector Rank
P/FCF 27.7
EV/EBITDA 13.98
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 an expensive valuation of the company.
  • The excellent profitability rating of JKHY may justify a higher PE ratio.
PEG (NY)3.87
PEG (5Y)2.26
EPS Next 2Y6.47%
EPS Next 3Y6.9%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • JKHY has a Yearly Dividend Yield of 1.55%.
  • JKHY's Dividend Yield is a higher than the industry average which is at 2.23.
  • JKHY's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.55%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)6.38%
Div Incr Years21
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 0.5 1 1.5 2

5.3 Sustainability

  • JKHY pays out 34.69% of its income as dividend. This is a sustainable payout ratio.
  • JKHY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.69%
EPS Next 2Y6.47%
EPS Next 3Y6.9%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

JACK HENRY & ASSOCIATES INC

NASDAQ:JKHY (2/17/2026, 8:26:43 PM)

After market: 158.59 0 (0%)

158.59

+1.9 (+1.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-03
Earnings (Next)04-28
Inst Owners100.81%
Inst Owner Change3.93%
Ins Owners0.5%
Ins Owner Change-0.17%
Market Cap11.45B
Revenue(TTM)2.46B
Net Income(TTM)480.54M
Analysts78.26
Price Target203.79 (28.5%)
Short Float %4.22%
Short Ratio3.41
Dividend
Industry RankSector Rank
Dividend Yield 1.55%
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)7.06%
PT rev (3m)10.84%
EPS NQ rev (1m)0.59%
EPS NQ rev (3m)-0.81%
EPS NY rev (1m)0.12%
EPS NY rev (3m)1.08%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)0.27%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)0.47%
Valuation
Industry RankSector Rank
PE 22.79
Fwd PE 22.42
P/S 4.73
P/FCF 27.7
P/OCF 17.74
P/B 5.27
P/tB 18.07
EV/EBITDA 13.98
EPS(TTM)6.96
EY4.39%
EPS(NY)7.07
Fwd EY4.46%
FCF(TTM)5.73
FCFY3.61%
OCF(TTM)8.94
OCFY5.64%
SpS33.52
BVpS30.11
TBVpS8.78
PEG (NY)3.87
PEG (5Y)2.26
Graham Number68.67
Profitability
Industry RankSector 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 RankSector 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 10.89
F-Score9
WACC8.69%
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)25.63%
EPS 3Y8.1%
EPS 5Y10.08%
EPS Q2Q%28.36%
EPS Next Y5.89%
EPS Next 2Y6.47%
EPS Next 3Y6.9%
EPS Next 5Y9.59%
Revenue 1Y (TTM)8.41%
Revenue growth 3Y6.93%
Revenue growth 5Y6.96%
Sales Q2Q%7.93%
Revenue Next Year6.29%
Revenue Next 2Y6.26%
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 3Y17.75%
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 22.79 and the Price/Book (PB) ratio is 5.27.


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 5.89% in the next year.