Jack Henry & Associates Inc (JKHY)

Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate Services. The Core segment provides core information processing platforms to banks and credit unions, which consists of integrated applications required to process deposit, loan, general ledger transactions, and maintain centralized accountholder information. The Payments segment offers secure payment processing tools and services, including ATM, money movement and embedded payment capabilities, remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions. The Complementary segment provides software, and hosted processing platforms and services comprising digital/mobile banking, treasury, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate Services segment offers hardware and other products. It offers specialized financial performance, imaging and payment, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. The company also provides SilverLake system, a system primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks; and Symitar, a system designed for credit unions. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and services; and data and transaction processing, and software licensing and related services, as well as professional services. The company was founded in 1976 and is headquartered in Monett, Missouri.

Symbol
JKHY
Exchange
Nasdaq
Sector
Technology
Industry
Information Technology Services
Market cap
$10.24B
52 week range
121.04 - 193.39

Valuation

Share price
$142.54 (close of 2026-10-02)
P/E (TTM)
20.36x
Price to book
4.99x
Price to free cash flow
14.74x
Enterprise value
$10.27B
Book value per share
$28.55

Price performance

PeriodChange
1 day-0.90%
5 days-3.55%
1 month-14.66%
3 months-2.95%
6 months-9.49%
Year to date-21.89%
1 year-2.58%
3 years-4.89%
5 years-13.62%
10 years+66.62%
All time+37410.53%

Members of Congress who disclosed JKHY trades

Gilbert Ray Cisneros · Lisa McClain · Tommy Tuberville

Super investors holding JKHY

Ken Griffin (Citadel) · Ray Dalio (Bridgewater Associates)

Profitability and growth

Return on equity
24.50%
Return on invested capital
23.32%
Return on assets
15.98%
Return on capital employed
24.52%
Gross margin
43.65%
Net margin
19.76%
EBITDA margin
26.61%
Revenue growth
7.12%
Net income growth
10.32%
Free cash flow growth
18.14%

Cash flow and balance sheet

Free cash flow yield (TTM)
6.78%
Current ratio
1.17x
Net debt to EBITDA
0.03x

Latest reported year

Period end
2026-06-30
Fiscal year
2026
Revenue
$2.54B
Cost of revenue
$1.43B
Gross profit
$1.11B
EBITDA
$677.14M
Net income
$502.78M
Earnings per share
$7.00
Research and development
$176.44M
Interest expense
$5.39M
Shares outstanding
71.87M

Income statement by year

Period endRevenueGross profitNet incomeEPS
2026-06-30$2.54B$1.11B$502.78M$7.00
2025-06-30$2.38B$1.01B$455.75M$6.25
2024-06-30$2.22B$916.07M$381.82M$5.24
2023-06-30$2.08B$858.64M$366.65M$5.03
2022-06-30$1.94B$814.27M$362.92M$4.95
2021-06-30$1.76B$694.83M$311.47M$4.12
2020-06-30$1.70B$688.60M$296.67M$3.86
2019-06-30$1.55B$629.66M$271.88M$3.52
2018-06-30$1.47B$617.66M$365.03M$4.73
2017-06-30$1.39B$612.08M$229.56M$2.95

Margins and returns by year

Period endGross marginNet marginReturn on equityReturn on capital
2026-06-3043.65%19.76%24.50%23.32%
2025-06-3042.71%19.19%21.39%21.08%
2024-06-3041.35%17.23%20.72%19.10%
2023-06-3041.33%17.65%22.79%19.92%
2022-06-3041.91%18.68%26.27%25.23%
2021-06-3039.52%17.71%23.61%23.51%
2020-06-3040.58%17.48%19.14%21.08%
2019-06-3040.55%17.51%19.03%20.36%
2018-06-3041.99%24.82%27.59%27.68%
2017-06-3044.09%16.54%20.88%23.38%

Cash and debt by year

Period endCashDebt
2026-06-30$12.06M$40.00M
2025-06-30$101.95M-
2024-06-30$38.28M$60.00M
2023-06-30$12.24M$275.00M
2022-06-30$48.79M$115.00M
2021-06-30$50.99M-
2020-06-30$213.34M-
2019-06-30$93.63M-
2018-06-30$31.44M-
2017-06-30$114.77M-

Free cash flow by year

Period endFree cash flowStock-based compensation
2026-06-30$694.86M$32.46M
2025-06-30$588.15M$28.39M
2024-06-30$509.92M$28.87M
2023-06-30$342.38M$28.61M
2022-06-30$469.97M$24.78M
2021-06-30$439.14M$20.75M
2020-06-30$456.99M$16.88M
2019-06-30$377.53M$12.59M
2018-06-30$372.01M$11.76M
2017-06-30$315.38M$11.13M

Dividend history

Most recent payment
2026-09-04
Paid in the last twelve months
$2.41
Payment dateDividend per share
2026-09-04$0.61
2026-06-01$0.61
2026-03-05$0.61
2025-12-02$0.58
2025-09-05$0.58
2025-05-29$0.58
2025-03-06$0.58
2024-12-02$0.55

Investor relations

Next earnings report

Next confirmed report
2026-11-03
Consensus EPS estimate
$2.04

Past earnings dates

ReportedFiscal periodEPS estimate
2026-08-18Jun/2026$1.44
2026-05-05Mar/2026$1.43
2026-02-03Dec/2025$1.43
2025-11-04Sep/2025$1.64
2025-08-19Jun/2025$1.46
2025-05-06Mar/2025$1.29
2025-02-04Dec/2024$1.31
2024-11-05Sep/2024$1.61

Filings and sources

Company website
jackhenry.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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