JHY Stock Chart & Stats
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Bulls Say, Bears Say
Bulls Say
Recurring Revenue And CloudThe high recurring-revenue mix and expanding cloud adoption anchor results in ongoing, mission-critical services rather than one-time projects. This supports customer retention, improves revenue visibility, and creates a durable platform for cross-selling digital banking, payments, and complementary software.
Market Position And SalesRecord competitive wins and increasing success with larger institutions indicate strengthening market reach and product relevance. More trifecta deals combining core, digital, and card services can deepen customer relationships, raise revenue per client, and reinforce Jack Henry’s position in community and regional banking technology.
Cash Generation And Balance SheetStrong free cash flow generation alongside minimal reported debt provides financial flexibility for product investment, infrastructure modernization, dividends, and repurchases. This balance reduces dependence on borrowing and supports continued investment in growth initiatives while preserving resilience if operating conditions weaken.
Bears Say
Investment-Driven Cost PressurePlanned investment in AI, security, infrastructure, and data-center consolidation should support the platform over time, but it creates near-term pressure on operating leverage. If these costs rise faster than revenue or productivity benefits, margin expansion and earnings growth could remain constrained through the first half.
Core Margin CompressionThe core business remains exposed to mix and delivery costs when implementation activity increases. Lower-margin projects and added conversion resources can dilute segment profitability, making earnings less scalable during periods of strong bookings and requiring efficient execution before new customers reach a steadier recurring contribution.
Revenue Timing VolatilityVariable deconversion revenue and lengthy implementation cycles can make quarterly results uneven even when underlying customer demand is healthy. This timing sensitivity complicates forecasting, delays the full revenue contribution from new wins, and may create periods where reported growth or cash flow understates the strength of the broader franchise.
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 CHF9.01B.
When is Jack Henry & Associates’s upcoming earnings report date?
Jack Henry & Associates’s upcoming earnings report date is Nov 10, 2026 which is in 25 days.
How were Jack Henry & Associates’s earnings last quarter?
Jack Henry & Associates released its earnings results on Aug 18, 2026. The company reported CHF1.299 earnings per share for the quarter, beating the consensus estimate of CHF1.214 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 1.71.
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 CHF1.299 in its last earnings report, beating expectations of CHF1.214. 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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
CHF158.08 (― Upside)
CHF158.08 (― Upside)
Blogger Sentiment
Neutral
CH:JHY Sentiment 50%
Sector Average 65%
Sector Average 65%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
2.84%
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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