JHY Stock Chart & Stats
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Bulls Say, Bears Say
Bulls Say
Recurring Revenue And Cloud AdoptionThe high recurring-revenue mix and broad private-cloud adoption support predictable revenue because clients rely on Jack Henry for mission-critical banking infrastructure. Continued migration to cloud delivery can deepen customer integration, improve scalability, and create durable opportunities for additional software and payment services.
Competitive Wins And Upmarket ExpansionA rising win rate and increasing success with larger institutions indicate meaningful competitive strength in core banking technology. The greater scale of new customers can expand the addressable revenue base, support cross-selling of digital and payments products, and reinforce Jack Henry’s market position.
Cash Generation And Low LeverageStrong free-cash-flow growth combined with minimal debt gives Jack Henry substantial financial flexibility. This supports continued investment in cloud, AI, security, and infrastructure while also allowing capital returns, without the balance-sheet burden that could constrain strategic execution during weaker periods.
Bears Say
Investment-Driven Expense PressureElevated personnel costs and planned spending on AI, cybersecurity, infrastructure, and data-center consolidation can restrain earnings conversion even while revenue grows. These investments may create future product and efficiency benefits, but near-term margin expansion depends on those benefits arriving faster than expenses scale.
Core Segment Margin CompressionLower-margin implementation work and added conversion resources can dilute profitability as Jack Henry pursues new core wins. If customer migrations remain intensive, revenue growth may translate less efficiently into operating income, making sustained margin expansion dependent on completing implementations and improving mix.
Revenue Timing And Deconversion VolatilityVariable deconversion revenue and lengthy implementation cycles can make reported growth and cash generation uneven across quarters. This timing volatility complicates forecasting and may delay the financial contribution from signed wins, even when the underlying customer pipeline and long-term contracts remain healthy.
Jack Henry & Associates News
JHY FAQ
What was Jack Henry & Associates’s price range in the past 12 months?
Currently, no data Available
What is Jack Henry & Associates’s market cap?
Jack Henry & Associates’s market cap is CHF9.40B.
When is Jack Henry & Associates’s upcoming earnings report date?
Jack Henry & Associates’s upcoming earnings report date is Nov 03, 2026 which is in 9 days.
How were Jack Henry & Associates’s earnings last quarter?
Jack Henry & Associates released its earnings results on Aug 18, 2026. The company reported CHF1.295 earnings per share for the quarter, beating the consensus estimate of CHF1.21 by CHF0.085.
Is Jack Henry & Associates overvalued?
According to Wall Street analysts Jack Henry & Associates’s price is currently Undervalued.
Does Jack Henry & Associates pay dividends?
Jack Henry & Associates does not currently pay dividends.
What is Jack Henry & Associates’s EPS estimate?
Jack Henry & Associates’s EPS estimate is 1.7.
How many shares outstanding does Jack Henry & Associates have?
Jack Henry & Associates has 70,112,000 shares outstanding.
What happened to Jack Henry & Associates’s price movement after its last earnings report?
Jack Henry & Associates reported an EPS of CHF1.295 in its last earnings report, beating expectations of CHF1.21. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Jack Henry & Associates?
Currently, no hedge funds are holding shares in CH:JHY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Jack Henry & Associates Stock Smart Score
Outperform
1
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3
4
5
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7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
CHF157.12 (― Upside)
CHF157.12 (― Upside)
Blogger Sentiment
Neutral
CH:JHY Sentiment 50%
Sector Average 65%
Sector Average 65%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
5.97%
12-Months-Change
Fundamentals
Return on Equity
23.49%
Trailing 12-Months
Asset Growth
2.89%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Jack Henry & Associates
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.
JHY Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple clear positives: record quarterly and full-year revenue, multi-year margin expansion, strong sales momentum with a meaningful move upmarket, accelerating cloud and faster-payments adoption, broad AI and security initiatives, solid full-year free cash flow and aggressive capital returns. Headwinds were acknowledged but portrayed as manageable and largely timing-related: notable increases in R&D and SG&A, a short-term Core margin mix impact, Q4 cash flow softness, and planned FY27 investments in AI/security and data center consolidation that pressure near-term margins. Management provided constructive FY27 guidance with modest revenue growth and continued margin expansion (20–40 bps), while signaling confidence in stronger momentum in the back half of the year. Overall, the positives (record results, strong pipeline, strategic investments and capital returns) materially outweigh the near-term operational and timing challenges.View all CH:JHY earnings summariesJHY Revenue Breakdown
32.07% Private and Public Cloud
11.60% Product Delivery and Services
13.24% On-Premise Support
43.09% Processing
JHY Stock 12 Month Forecast
Average Price Target
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