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Jack Henry & Associates, Inc. JKHY
Technology - Information Technology Services - NASDAQ - US
Watchlist
$ 169.36
-1.89 %
$ 12.3 B
Market Cap
30.57
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one JKHY stock under the worst case scenario is HIDDEN Compared to the current market price of 169 USD, Jack Henry & Associates, Inc. is HIDDEN

JKHY Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one JKHY stock under the base case scenario is HIDDEN Compared to the current market price of 169 USD, Jack Henry & Associates, Inc. is HIDDEN

JKHY Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one JKHY stock under the best case scenario is HIDDEN Compared to the current market price of 169 USD, Jack Henry & Associates, Inc. is HIDDEN

JKHY Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart JKHY

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1M -2%
6M -9%
1Y 4%
3Y -12%
5Y 13%
All
$195.0$195.0$190.0$190.0$185.0$185.0$180.0$180.0$175.0$175.0$170.0$170.0$165.0$165.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
2.22 B REVENUE
6.63%
Growth Rates
1Year 6.63%
3Years 8.01%
5Years 7.37%
7Years 6.44%
10Years 6.23%
489 M OPERATING INCOME
1.81%
Growth Rates
1Year 1.81%
3Years 29.93%
5Years 7.10%
7Years 4.17%
10Years 4.60%
382 M NET INCOME
4.14%
Growth Rates
1Year 4.14%
3Years 7.02%
5Years 7.03%
7Years 6.49%
10Years 6.62%
568 M OPERATING CASH FLOW
48.87%
Growth Rates
1Year 48.87%
3Years 7.12%
5Years 5.67%
7Years 6.85%
10Years 5.22%
-240 M INVESTING CASH FLOW
41.38%
Growth Rates
1Year 41.38%
3Years -13.97%
5Years -4.73%
7Years -7.84%
10Years -6.19%
-302 M FINANCING CASH FLOW
-3480.49%
Growth Rates
1Year -3480.49%
3Years 13.24%
5Years -11.10%
7Years -8.43%
10Years -1.22%
574 M REVENUE
-4.51%
Growth Rates
1Year 6.63%
3Years 8.01%
5Years 7.37%
7Years 6.44%
10Years 6.23%
123 M OPERATING INCOME
-18.69%
Growth Rates
1Year 1.81%
3Years 29.93%
5Years 7.10%
7Years 4.17%
10Years 4.60%
97.8 M NET INCOME
-17.91%
Growth Rates
1Year 4.14%
3Years 7.02%
5Years 7.03%
7Years 6.49%
10Years 6.62%
89.6 M OPERATING CASH FLOW
-23.31%
Growth Rates
1Year 48.87%
3Years 7.12%
5Years 5.67%
7Years 6.85%
10Years 5.22%
-61.1 M INVESTING CASH FLOW
-3.96%
Growth Rates
1Year 41.38%
3Years -13.97%
5Years -4.73%
7Years -7.84%
10Years -6.19%
-46.1 M FINANCING CASH FLOW
13.32%
Growth Rates
1Year -3480.49%
3Years 13.24%
5Years -11.10%
7Years -8.43%
10Years -1.22%
Balance Sheet Jack Henry & Associates, Inc.
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Current Assets 632 M
Cash & Short-Term Investments 38.3 M
Receivables 333 M
Other Current Assets 261 M
Non-Current Assets 2.29 B
Long-Term Investments 0
PP&E 269 M
Other Non-Current Assets 2.02 B
11.39 %8.91 %9.20 %69.19 %Total Assets$2.9b
Current Liabilities 634 M
Accounts Payable 25.3 M
Short-Term Debt 98.5 M
Other Current Liabilities 510 M
Non-Current Liabilities 448 M
Long-Term Debt 111 M
Other Non-Current Liabilities 337 M
9.10 %47.13 %10.27 %31.16 %Total Liabilities$1.1b
EFFICIENCY
Earnings Waterfall Jack Henry & Associates, Inc.
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Revenue 2.22 B
Cost Of Revenue 1.3 B
Gross Profit 916 M
Operating Expenses 427 M
Operating Income 489 M
Other Expenses 108 M
Net Income 382 M
3b3b2b2b2b2b1b1b500m500m002b(1b)916m(427m)489m(108m)382mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
41.35% GROSS MARGIN
41.35%
Averages
1Year 41.35%
3Years 41.53%
5Years 40.94%
7Years 41.20%
10Years 41.67%
22.09% OPERATING MARGIN
22.09%
Averages
1Year 22.09%
3Years 20.17%
5Years 19.13%
7Years 20.50%
10Years 22.12%
17.23% NET MARGIN
17.23%
Averages
1Year 17.23%
3Years 17.85%
5Years 17.75%
7Years 18.68%
10Years 18.31%
20.72% ROE
20.72%
Averages
1Year 20.72%
3Years 23.26%
5Years 22.51%
7Years 23.26%
10Years 23.29%
13.06% ROA
13.06%
Averages
1Year 13.06%
3Years 13.68%
5Years 13.32%
7Years 14.05%
10Years 13.64%
15.70% ROIC
15.70%
Averages
1Year 15.70%
3Years 14.43%
5Years 13.76%
7Years 15.55%
10Years 16.21%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Jack Henry & Associates, Inc.
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350m350m300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 382 M
Depreciation & Amortization 200 M
Capital Expenditures -232 M
Stock-Based Compensation 28.9 M
Change in Working Capital -45.5 M
Others -75.3 M
Free Cash Flow 336 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Jack Henry & Associates, Inc.
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Wall Street analysts predict an average 1-year price target for JKHY of $195 , with forecasts ranging from a low of $185 to a high of $206 .
JKHY Lowest Price Target Wall Street Target
185 USD 9.23%
JKHY Average Price Target Wall Street Target
195 USD 15.22%
JKHY Highest Price Target Wall Street Target
206 USD 21.63%
Price
Max Price Target
Min Price Target
Average Price Target
210210205205200200195195190190185185180180175175170170165165160160155155May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.31% DIVIDEND YIELD
0.58 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.502.502.002.001.501.501.001.000.500.500.000.000.250.280.310.370.40.430.460.490.520.550.580.250.280.310.370.40.430.460.490.520.550.250.280.310.370.40.430.460.490.520.550.251.000.281.120.311.240.371.480.41.600.431.720.461.840.491.960.522.080.552.200.582015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 10
6. Ownership
Insider Ownership Jack Henry & Associates, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
3.22 M USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Jack Henry Releases 2025 Sustainability Report The report details progress in advancing the company's key sustainability priorities, including corporatephilanthropy and responsible adoption of AI MONETT, Mo. , April 1, 2025 /PRNewswire/ -- Jack Henry™ (NASDAQ: JKHY) today announced the publication of its 2025 Sustainability Report, highlighting the company's ongoing commitment to delivering lasting value for associates, clients, communities, stockholders, and the environment through responsible business practices. prnewswire.com - 2 weeks ago
Border Bank Chooses Jack Henry for Technology Modernization New core and digital products will allow bank to focus on innovation, efficiency, and long-term growth MONETT, Mo. , March 31, 2025 /PRNewswire/ -- Jack Henry™ (Nasdaq: JKHY) announced today that Border Bank selected Jack Henry to upgrade its technology infrastructure. prnewswire.com - 2 weeks ago
Capital Credit Union Modernizes Operations and Positions for Growth with Jack Henry Credit union selects Jack Henry for long-term stability and support MONETT, Mo. , March 19, 2025 /PRNewswire/ -- Jack Henry™ (Nasdaq: JKHY) is pleased to announce that Capital Credit Union converted to Jack Henry's Symitar® platform and complementary products to support its future growth. prnewswire.com - 1 month ago
Jack Henry and Moov to Implement Mastercard Move to Enable Fast, Seamless Domestic Payments Collaboration enables banks and credit unions to better serve the payment needs of consumers and small businesses MONETT, Mo. , March 17, 2025 /PRNewswire/ -- Jack Henry™ (Nasdaq: JKHY) announced today an extended collaboration with Mastercard to offer Mastercard Move, Mastercard's portfolio of money transfer solutions, through Jack Henry Rapid Transfers™, a cloud-native service that will enable near-real time* money movement. prnewswire.com - 1 month ago
S&P 500 ETF's Worst Week Since September: 5 Top Stocks Poised to Rise These top-ranked stocks of the S&P 500 index have gained in the index's worst week since September. These stocks have more room to run. zacks.com - 1 month ago
Algebrik AI Joins the Jack Henry™ Vendor Integration Program NEW YORK--(BUSINESS WIRE)-- #AIinFinance--Algebrik AI Inc., a Delaware-incorporated company headquartered in New York City, pioneering the world's first cloud-native, AI-powered, digital era Loan Origination System (LOS), today announced that it has joined the Jack Henry™ Vendor Integration Program (VIP). Participation in the program provides Algebrik AI with access to Jack Henry's technical resources to enable its Loan Origination Platform to integrate with Symitar®. The Vendor Integration Program is designe. businesswire.com - 1 month ago
Jack Henry (JKHY) Up 2.8% Since Last Earnings Report: Can It Continue? Jack Henry (JKHY) reported earnings 30 days ago. What's next for the stock? zacks.com - 1 month ago
Top 50 High-Quality Dividend Stocks For March 2025 I track 50 high-quality dividend stocks, updating their valuations daily to identify Strong Buy, Buy, Hold, and Trim opportunities based on historical free cash flow trends. Today, I will highlight 9 new stocks from the list that appear to be attractively positioned. I will present 3 unique valuations for each of these stocks. seekingalpha.com - 1 month ago
Jack Henry CEO, CFO Featured at Several Upcoming Conferences MONETT, Mo. , Feb. 28, 2025 /PRNewswire/ -- Jack Henry & Associates, Inc.® (Nasdaq: JKHY) announced today that President & CEO Greg Adelson and Chief Financial Officer & Treasurer Mimi Carsley will present at several conferences in the coming weeks. prnewswire.com - 1 month ago
31 Upcoming Dividend Increases, Including 3 Kings This week sees 31 dividend increases, including three Dividend Kings: Genuine Parts, Commerce Bancshares, and Kimberly-Clark, showcasing impressive financial stability and growth. My investment strategy prioritizes companies with consistently rising dividends and outperforming benchmarks, aiming for long-term wealth accumulation and portfolio prosperity. I use data from the "U.S. Dividend Champions" spreadsheet and NASDAQ to identify companies with at least five years of dividend growth. seekingalpha.com - 1 month ago
Blend Joins the Jack Henry™ Vendor Integration Program SAN FRANCISCO--(BUSINESS WIRE)--Blend Labs, Inc., a leading origination platform for digital banking solutions, today announced that it has joined the Jack Henry™ Vendor Integration Program (VIP). Participation in the program will provide Blend with access to Jack Henry's technical resources to enable Blend's digital platform to integrate with SilverLake System® and Symitar®. The Vendor Integration Program is designed to help ensure that Jack Henry's customers can easily deploy third-party prod. businesswire.com - 1 month ago
Jack Henry & Associates Increases Quarterly Dividend on Common Stock to $.58 Per Share MONETT, Mo. , Feb. 10, 2025 /PRNewswire/ -- Jack Henry & Associates, Inc. (NASDAQ: JKHY) today announced its Board of Directors increased the quarterly dividend by six percent (6%) to $.58 per share. prnewswire.com - 2 months ago
8. Profile Summary

Jack Henry & Associates, Inc. JKHY

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COUNTRY US
INDUSTRY Information Technology Services
MARKET CAP $ 12.3 B
Dividend Yield 0.31%
Description 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.
Contact 663 West Highway 60, Monett, MO, 65708 https://www.jackhenry.com
IPO Date Nov. 20, 1985
Employees 7200
Officers Ms. Mimi L. Carsley Chief Financial Officer & Treasurer Mr. Michael Carnovali Chief Compliance Officer Mr. Rob Zelinka Vice President & Chief Information Officer Mr. Gregory R. Adelson Chief Executive Officer & President Mr. David B. Foss Executive Chairman Mr. Benjamin Metz Vice President and Chief Digital & Technology Officer Mr. Craig Keith Morgan General Counsel & Secretary Mr. Shanon G. McLachlan Senior Vice President, Executive Officer & Chief Operating Officer Mr. Vance Sherard C.F.A. Vice President of Investor Relations Ms. Renee A. Swearingen Senior Vice President, Chief Accounting Officer & Assistant Treasurer