Jack Henry & Associates, Inc.

Jack Henry & Associates, Inc.

JKHYยทNASDAQ

$133.13

-5.0%
TechnologyInformation Technology Services

Jack Henry & Associates, Inc. provides technology solutions and payment processing services primarily for financial services organizations in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutions under the Jack Henry Banking brand; core data processing solutions for various credit unions under the Symitar brand; and specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial institutions and corporate entities under the ProfitStars brand. It also provides a suite of integrated applications required to process deposit, loan, and general ledger transactions, as well as to maintain centralized customer/member information; and complementary products and services that enable core bank and credit union clients to respond to evolving customer/member demands. The company's Jack Henry Banking business brand offers SilverLake, a robust primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven, easy-to-use system for banks; and Core Director, a cost-efficient system with point-and-click operation. Its Symitar business brand provides Episys, a robust designed for credit unions. In addition, the company offers digital products and services and electronic payment solutions; purchases and resells hardware systems, including servers, workstations, scanners, and other devices; and provides implementation, training, and support services. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri.

At a Glance

Live Snapshot
Market Cap$9.46B
EPS6.2400
P/E Ratio21.33
Earnings Date08/18/2026
Jack Henry & Associates, Inc.

Jack Henry & Associates, Inc. Fair Value Envelope

JKHY ยท NASDAQ

Our analysis suggests that JKHY has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $133.13, this represents a potential HIDDEN relative to our calculated worth for Jack Henry & Associates, Inc..

Intrinsic Value
Current Price: $133.13

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$29.9B
+ Cash & Equivalents$102.0M
Firm Value$30.0B
- Debt$0
Equity Value$30.0B
/ Shares Outstanding72,836,447B
DCF Value$412
UNDERVALUED BY 210%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$739.9M
$853.4M
$984.3M
$1.1B
$1.3B
$1.5B
$1.7B
$2.0B
$2.3B
$2.7B
Maintenance CapEx
-$12.3M
-$14.2M
-$16.4M
-$18.9M
-$21.8M
-$25.1M
-$29.0M
-$33.4M
-$38.6M
-$44.5M
Owner Earnings
$727.6M
$839.2M
$968.0M
$1.1B
$1.3B
$1.5B
$1.7B
$2.0B
$2.3B
$2.6B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$673.7M
$719.5M
$768.4M
$820.6M
$876.4M
$936.0M
$999.6M
$1.1B
$1.1B
$1.2B
Terminal Value represents 69.2% of Enterprise Value