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Jack Henry & Associates (CH:JHY)
NASDAQ:JHY

Jack Henry & Associates (JHY) Price & Analysis

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JHY Stock Chart & Stats

Currently, no data available
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Bulls Say, Bears Say

Bulls Say
Strong Free Cash Flow ConversionHigh FCF conversion and strong TTM cash flows indicate earnings quality and durable internal funding. This supports sustained capital returns, buybacks, capex for cloud/product development and cushions variability in revenue, enabling strategic investments without excessive external financing.
Conservative Balance Sheet / Low LeverageExtremely low leverage gives the company flexibility to fund growth, repurchases and operations through cycles. A conservative structure lowers refinancing risk, supports larger revolver capacity and preserves optionality for M&A or technology investment while maintaining high returns on equity.
Durable Sales Momentum And Cross-sell WinsConsistent core wins and higher share of 'trifecta' deals (core plus digital/cards) deepen the installed base and raise recurring, higher-margin revenue. Strong cross-sell and product traction (payments, digital, new offerings) improve customer stickiness and long-term revenue visibility.
Bears Say
Decelerating Revenue GrowthA slowing top-line trend reduces operating leverage and increases reliance on margin expansion and cash conversion to sustain earnings growth. If revenue growth remains muted, it could restrain long-term EBITDA expansion and limit the upside from product investments.
Margin Pressure From Cloud Migration And CostsTransitioning customers to cloud and elevated personnel/benefit costs can raise operating and implementation expenses. Sustained mix shifts toward lower-margin implementation work or elevated cloud spend could compress margins and make future margin expansion targets harder to achieve.
Quarterly Revenue Volatility From Deconversion/incentivesMaterially lumpy items like deconversion revenue and network incentives reduce revenue predictability and complicate forecasting. This variability undermines short-term visibility for recurring revenue metrics, increasing execution risk for quarterly guidance and planning for resource allocation.

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 CHF8.40B.
    When is Jack Henry & Associates’s upcoming earnings report date?
    Jack Henry & Associates’s upcoming earnings report date is Aug 25, 2026 which is in 50 days.
      How were Jack Henry & Associates’s earnings last quarter?
      Jack Henry & Associates released its earnings results on May 05, 2026. The company reported $1.376 earnings per share for the quarter, beating the consensus estimate of $1.192 by $0.183.
        Is Jack Henry & Associates overvalued?
        According to Wall Street analysts Jack Henry & Associates’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
          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 1.16.
            How many shares outstanding does Jack Henry & Associates have?
            Currently, no data Available
            What happened to Jack Henry & Associates’s price movement after its last earnings report?
            Jack Henry & Associates reported an EPS of $1.376 in its last earnings report, beating expectations of $1.192. 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

                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.

                Jack Henry & Associates (JHY) Earnings & Revenues

                JHY Earnings Call

                Q3 2026
                0:00 / 0:00
                Earnings Call Sentiment|Positive
                The call showcased multiple strong operating and financial results: record Q3 revenue, robust sales momentum (notably larger core and cross-sell 'trifecta' wins), accelerating product traction (Tap2Local, Rapid Transfers, stablecoin beta) and sizable cash generation that enabled large buybacks and dividend returns. Management raised full-year guidance and reported significant AI-driven productivity gains. Offsetting these positives, management flagged a near-term Q4 slowdown and margin pressure driven by mix, timing, normalized medical and cloud transition costs, lumpy network incentives and other seasonal/quarterly variabilities. Overall fundamentals and guidance were improved, with the company emphasizing durable, long-term tailwinds despite an expected softer Q4.View all CH:JHY earnings summaries

                JHY Revenue Breakdown

                31.86%31.86%10.60%14.87%42.67%
                31.86% Private and Public Cloud
                10.60% Product Delivery and Services
                14.87% On-Premise Support
                42.67% Processing
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                JHY Stock 12 Month Forecast

                Average Price Target

                $148.14
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