Val
—
Gro
—
Qua
—
Mom
—
Sta
—
Cap—
P/S4.55
P/E—
Fwd P/E22.69
PEG2.07
52W— – —
RSI—
Target$185.71 (+15.2%)
Beta0.57
Div1.49%
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RSI (14)
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Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist 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, automated clearing house origination and 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 and Other 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; Symitar, a system designed for credit unions; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and service solutions; data center solutions; 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.
52-Week Range
52W Low
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52W High
Position in Range
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RSI (14)
0 · Oversold
RSI 70
Overbought · 100
Signal
Overbought
EMA Price Levels
Volume Analysis
Momentum Dashboard
Trend Strength
Detected Patterns
0Bullish
5Bearish
0Neutral
▼ Bear Flag — Breakdown after -8% pole — bearish continuation
▼ Double Top — Two peaks ~$158.54 — bearish reversal confirmed
▼ Bear Flag — Breakdown after -10% pole — bearish continuation
▼ Bear Flag — Breakdown after -10% pole — bearish continuation
▼ Bear Flag — Breakdown after -11% pole — bearish continuation
View overlays on the price chart via Chart tab → Pattern Overlays.
EPS — History & Forecast
Estimate
Beat
Miss
Forecast
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Revenue — History & Forecast
Revenue
Forecast
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EPS Beat Rate
88%
7/8 quarters
Wall Street Consensus
BUY
BuyHoldSell
Price Target Range
$185.71
+15.2% upside
Low $158
—
High $208
Consensus
Current price
Wall Street Analyst Ratings
| Firm | Rating | Change | Action | Date |
|---|---|---|---|---|
| Barclays | Overweight | — | ● Initiate | 2026-07-08 |
| RBC Capital | Outperform | — | ↔ Maintain | 2026-06-18 |
| DA Davidson | Buy | — | ↔ Maintain | 2026-05-13 |
| Goldman Sachs | Neutral | — | ↔ Maintain | 2026-05-07 |
| Loop Capital | Buy | — | ● Initiate | 2026-03-31 |
| Wells Fargo | Overweight | Equal-Weight → Overweight | ▲ Upgrade | 2026-02-17 |
| Morgan Stanley | Equal-Weight | — | ↔ Maintain | 2026-02-05 |
| UBS | Neutral | — | ↔ Maintain | 2026-01-08 |
| Wolfe Research | Outperform | Peer Perform → Outperform | ▲ Upgrade | 2026-01-08 |
| Baird | Neutral | — | ↔ Maintain | 2025-12-15 |
| Keefe, Bruyette & Woods | Outperform | Market Perform → Outperform | ▲ Upgrade | 2025-12-08 |
| Compass Point | Buy | Neutral → Buy | ▲ Upgrade | 2025-11-06 |
Barclays
2026-07-08
Overweight
● Initiate
RBC Capital
2026-06-18
Outperform
↔ Maintain
DA Davidson
2026-05-13
Buy
↔ Maintain
Goldman Sachs
2026-05-07
Neutral
↔ Maintain
Loop Capital
2026-03-31
Buy
● Initiate
Wells Fargo
2026-02-17
Overweight
(from Equal-Weight)
▲ Upgrade
Morgan Stanley
2026-02-05
Equal-Weight
↔ Maintain
UBS
2026-01-08
Neutral
↔ Maintain
Wolfe Research
2026-01-08
Outperform
(from Peer Perform)
▲ Upgrade
Baird
2025-12-15
Neutral
↔ Maintain
Keefe, Bruyette & Woods
2025-12-08
Outperform
(from Market Perform)
▲ Upgrade
Compass Point
2025-11-06
Buy
(from Neutral)
▲ Upgrade
Profitability
Gross Margin
44.06%TTM
Op. Margin
24.37%TTM
ROE
24.89%TTM
Rev. Growth
8.70%YoY
Free Cash Flow
373.41MTTM
FCF Yield
—TTM
Balance Sheet
Debt / Equity
6.40MRQ
Current Ratio
1.74MRQ
Cash
20.57MMRQ
Total Debt
136.59MMRQ
Net Debt
—MRQ
Income
Div. Yield
1.49%TTM
Annual Rate
2.38Fwd
Payout Ratio
32.82%TTM
Dividend History
Payout Ratio (TTM): 32.82%
| Date | Amount / Share | Yield at Payment |
|---|---|---|
| 2026-06-01 | $0.6100 | 0.43% |
| 2026-03-05 | $0.6100 | 0.37% |
| 2025-12-02 | $0.5800 | 0.34% |
| 2025-09-05 | $0.5800 | 0.36% |
| 2025-05-29 | $0.5800 | 0.33% |
| 2025-03-06 | $0.5800 | 0.32% |
| 2024-12-02 | $0.5500 | 0.32% |
| 2024-09-06 | $0.5500 | 0.33% |
| 2024-05-24 | $0.5500 | 0.34% |
| 2024-03-07 | $0.5500 | 0.33% |
| 2023-11-30 | $0.5200 | 0.34% |
| 2023-09-07 | $0.5200 | 0.36% |
| 2023-05-25 | $0.5200 | 0.36% |
| 2023-03-07 | $0.5200 | 0.33% |
| 2022-11-30 | $0.4900 | 0.27% |
| 2022-09-08 | $0.4900 | 0.26% |
| 2022-05-26 | $0.4900 | 0.28% |
| 2022-03-07 | $0.4900 | 0.28% |
| 2021-12-02 | $0.4600 | 0.32% |
| 2021-09-08 | $0.4600 | 0.28% |
| 2021-05-27 | $0.4600 | 0.32% |
| 2021-03-05 | $0.4600 | 0.32% |
| 2020-12-01 | $0.4300 | 0.29% |
| 2020-09-08 | $0.4300 | 0.29% |
| 2020-05-27 | $0.4300 | 0.26% |
| 2020-02-28 | $0.4300 | 0.31% |
| 2019-11-29 | $0.4000 | 0.28% |
| 2019-09-06 | $0.4000 | 0.29% |
| 2019-05-22 | $0.4000 | 0.32% |
| 2019-02-28 | $0.4000 | 0.33% |
| 2018-11-30 | $0.3700 | 0.29% |
| 2018-09-10 | $0.3700 | 0.25% |
| 2018-05-22 | $0.3700 | 0.34% |
| 2018-02-28 | $0.3700 | 0.35% |
| 2017-11-29 | $0.3100 | 0.30% |
| 2017-09-07 | $0.3100 | 0.34% |
| 2017-05-22 | $0.3100 | 0.34% |
| 2017-02-28 | $0.3100 | 0.37% |
| 2016-11-29 | $0.2800 | 0.36% |
| 2016-09-02 | $0.2800 | 0.35% |
How JKHY Makes Its Money
Cash Flow Breakdown
Quarterly Metrics
| Quarter | Revenue | Rev YoY | Gross Profit | Op. Income | Net Income | Net YoY | Gross % | Op % | Net % |
|---|
Full Key Statistics
Valuation
| Market Cap | 11.45B |
| Enterprise Value | 11.57B |
| Trailing P/E | 22.48 |
| Forward P/E | 22.69 |
| PEG Ratio (5yr) | 2.07 |
| Price/Sales (ttm) | 4.55 |
| Price/Book (mrq) | 5.38 |
| EV/Revenue | 4.60 |
| EV/EBITDA | 16.17 |
Share Statistics
| Avg Vol (3m) | 1.57M |
| Shares Outstanding | 71.05M |
| Float | 70.58M |
| % Held by Insiders | 0.59% |
| % Held by Institutions | 106.80% |
| Short Ratio | 2.80 |
| Short % of Float | 7.89% |
Profitability
| Gross Margin | 44.06% |
| Operating Margin (ttm) | 24.37% |
| Profit Margin | 20.64% |
| Return on Assets (ttm) | 13.66% |
| Return on Equity (ttm) | 24.89% |
Income Statement
| Revenue (ttm) | 2.52B |
| Revenue Growth (yoy) | 8.70% |
| Gross Profit (ttm) | 1.11B |
| EBITDA | 715.41M |
| Net Income (ttm) | 519.15M |
| Diluted EPS (ttm) | 7.17 |
| EPS Growth (yoy) | 12.50% |
Balance Sheet
| Total Cash (mrq) | 20.57M |
| Total Debt (mrq) | 136.59M |
| Debt / Equity (mrq) | 6.40 |
| Current Ratio (mrq) | 1.74 |
| Book Value / Share | 29.98 |
| Operating CF (ttm) | 786.40M |
| Free Cash Flow (ttm) | 373.41M |
Trading & Dividends
| Beta (5Y) | 0.57 |
| 50-Day MA | 139.01 |
| 200-Day MA | 159.30 |
| Fwd Dividend Yield | 151.00% |
| Payout Ratio | 32.82% |
Ownership Breakdown
Institutional 106.80%
Insider 0.59%
Short Interest
7.89% of float
Moderate
Institutional 13F Holdings
Famous investors who disclosed a position in JKHY in their latest SEC 13F filing.
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Insider Transactions
| Date | Insider | Role | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-07-14 | FOSS DAVID B | Director | 1,220 | — | |
| 2026-05-14 | ADELSON GREGORY R. | Chief Executive Officer | Purchase at price 133.42 per share. | 2,000 | $266,840 |
| 2026-05-14 | CARSLEY MIMI | Chief Financial Officer | Purchase at price 134.12 per share. | 375 | $50,295 |
| 2026-02-12 | FLANIGAN MATTHEW C | Director | Stock Gift at price 0.00 per share. | 440 | — |
| 2025-12-31 | MCLACHLAN SHANON G. | Chief Operating Officer | 183 | — | |
| 2025-12-15 | SWEARINGEN RENEE ANN | Officer | Stock Gift at price 0.00 per share. | 200 | — |
| 2025-12-01 | FOSS DAVID B | Director | Sale at price 174.92 per share. | 20,000 | $3,498,400 |
| 2025-11-11 | WIMSETT THOMAS A | Director | 1,159 | — | |
| 2025-11-11 | CAMPBELL CURTIS A | Director | Conversion of Exercise of derivative security at price 165.73 per share. | 1,159 | $192,081 |
| 2025-11-11 | LOCASCIO TAMMY S. | Director | 1,159 | — | |
| 2025-11-11 | NELSON LISA M | Director | 1,159 | — | |
| 2025-11-11 | FLANIGAN MATTHEW C | Director | 1,159 | — | |
| 2025-11-11 | BROWN WESLEY A | Director | 1,159 | — | |
| 2025-11-11 | WILSON THOMAS HAMPTON JR. | Director | 1,159 | — | |
| 2025-11-11 | MIYASHIRO SHRUTI S | Director | 1,159 | — | |
| 2025-11-10 | MCLACHLAN SHANON G. | Chief Operating Officer | Sale at price 160.83 per share. | 227 | $36,508 |
| 2025-08-28 | FOSS DAVID B | Director | Stock Award(Grant) at price 0.00 per share. | 14,623 | — |
| 2025-08-28 | MORGAN CRAIG KEITH | Officer | Stock Award(Grant) at price 0.00 per share. | 1,677 | — |
| 2025-08-28 | ADELSON GREGORY R. | Chief Executive Officer | Stock Award(Grant) at price 0.00 per share. | 2,522 | — |
| 2025-08-28 | CARSLEY MIMI | Chief Financial Officer | Stock Award(Grant) at price 0.00 per share. | 1,852 | — |
| 2025-08-28 | SWEARINGEN RENEE ANN | Officer | Stock Award(Grant) at price 0.00 per share. | 527 | — |
| 2025-08-28 | MCLACHLAN SHANON G. | Chief Operating Officer | Stock Award(Grant) at price 0.00 per share. | 263 | — |
| 2025-08-04 | FOSS DAVID B | Director | Sale at price 167.28 per share. | 5,780 | $966,878 |
| 2025-08-04 | CARSLEY MIMI | Chief Financial Officer | 2,070 | — | |
| 2025-08-04 | SWEARINGEN RENEE ANN | Officer | 605 | — |
FOSS DAVID B
Director
2026-07-14
1,220 sh
—
ADELSON GREGORY R.
Chief Executive Officer
Purchase at price 133.42 per share.
2026-05-14
2,000 sh
$266,840
CARSLEY MIMI
Chief Financial Officer
Purchase at price 134.12 per share.
2026-05-14
375 sh
$50,295
FLANIGAN MATTHEW C
Director
Stock Gift at price 0.00 per share.
2026-02-12
440 sh
—
MCLACHLAN SHANON G.
Chief Operating Officer
2025-12-31
183 sh
—
SWEARINGEN RENEE ANN
Officer
Stock Gift at price 0.00 per share.
2025-12-15
200 sh
—
FOSS DAVID B
Director
Sale at price 174.92 per share.
2025-12-01
20,000 sh
$3,498,400
WIMSETT THOMAS A
Director
2025-11-11
1,159 sh
—
CAMPBELL CURTIS A
Director
Conversion of Exercise of derivative security at price 165.73 per share.
2025-11-11
1,159 sh
$192,081
LOCASCIO TAMMY S.
Director
2025-11-11
1,159 sh
—
NELSON LISA M
Director
2025-11-11
1,159 sh
—
FLANIGAN MATTHEW C
Director
2025-11-11
1,159 sh
—
BROWN WESLEY A
Director
2025-11-11
1,159 sh
—
WILSON THOMAS HAMPTON JR.
Director
2025-11-11
1,159 sh
—
MIYASHIRO SHRUTI S
Director
2025-11-11
1,159 sh
—
MCLACHLAN SHANON G.
Chief Operating Officer
Sale at price 160.83 per share.
2025-11-10
227 sh
$36,508
FOSS DAVID B
Director
Stock Award(Grant) at price 0.00 per share.
2025-08-28
14,623 sh
—
MORGAN CRAIG KEITH
Officer
Stock Award(Grant) at price 0.00 per share.
2025-08-28
1,677 sh
—
ADELSON GREGORY R.
Chief Executive Officer
Stock Award(Grant) at price 0.00 per share.
2025-08-28
2,522 sh
—
CARSLEY MIMI
Chief Financial Officer
Stock Award(Grant) at price 0.00 per share.
2025-08-28
1,852 sh
—
SWEARINGEN RENEE ANN
Officer
Stock Award(Grant) at price 0.00 per share.
2025-08-28
527 sh
—
MCLACHLAN SHANON G.
Chief Operating Officer
Stock Award(Grant) at price 0.00 per share.
2025-08-28
263 sh
—
FOSS DAVID B
Director
Sale at price 167.28 per share.
2025-08-04
5,780 sh
$966,878
CARSLEY MIMI
Chief Financial Officer
2025-08-04
2,070 sh
—
SWEARINGEN RENEE ANN
Officer
2025-08-04
605 sh
—