Jack Henry & Associates stock analysis
Jack Henry & Associates (JHY) Stock Price & Analysis
JHY Stock Chart & Stats
- Day’s Range
- EUR 160.10 - EUR 160.10
- 52-Week Range
- EUR 106.00 - EUR 164.75
- Previous Close
- EUR 157.45
- Volume
- N/A
- Average Volume (3M)
- 12
- Market Cap
- EUR 10.82B
- Enterprise Value
- EUR 10.16B
- Total Cash (Recent Filing)
- EUR 25.36M
- Total Debt (Recent Filing)
- EUR 85.00M
- Price to Earnings (P/E)
- 23.5
- Beta
- 0.18
- Next Earnings
- Feb 09, 2027 (Est.)
- EPS Estimate
- 1.6
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.30%
Bulls Say, Bears Say
Bulls Say
Recurring Revenue Base
The high recurring-revenue mix makes Jack Henry’s business more predictable because customers rely on its core, cloud, and processing services for ongoing operations. Continued cloud and processing growth can deepen customer integration and support durable revenue expansion over the next several quarters.
Core Sales Momentum
Strong competitive core wins indicate that Jack Henry continues to gain new institutional relationships in a mission-critical category. Each win can create a durable customer base for recurring processing revenue, while subsequent digital and payments adoption increases long-term revenue per client.
Cash Generation And Balance Sheet
Healthy operating and free cash flow provide internal funding for product investment, acquisitions, dividends, and repurchases without requiring substantial financial leverage. The modest reported debt balance also supports flexibility as Jack Henry expands cloud, cybersecurity, and AI capabilities.
Bears Say
Investment-Driven Margin Pressure
The planned investment cycle may limit near-term operating leverage even while supporting important future capabilities. Higher spending on cybersecurity, AI infrastructure, and data center consolidation could keep margins below their potential over the next several quarters before benefits become visible.
Growth Moderation Risk
Expected second-half moderation creates a meaningful risk that revenue momentum will weaken after the strong first quarter. Slower growth can reduce operating leverage and make execution against the full-year outlook more dependent on new core wins, cross-selling, and payment volume performance.
Core Segment Margin Decline
A declining core-segment margin suggests that the transition toward hosting and managed delivery is currently carrying additional cost or mix pressure. If this persists, stronger recurring revenue may not translate proportionally into profit growth, limiting overall margin expansion.
Jack Henry & Associates News
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Jack Henry & Associates Stock 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.
- Sector
- Technology
- Industry
- Information Technology Services
- CEO
- Gregory R. Adelson
- Employees
- 7,300
- Website
- www.jackhenry.com
- Address
- 663 Highway 60, Monett, MO, 65708-8215, US
Jack Henry & Associates (JHY) Earnings & Revenues
JHY Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. Management reported record first-quarter revenue and margin performance, robust core wins and pipeline activity, broad-based segment growth, strong cash flow, and raised revenue and EPS guidance. The main challenges were expected second-half revenue moderation, first-half margin headwinds from normalized medical costs and planned cyber, AI, and infrastructure investments, reported core growth noise, and early-stage adoption of some emerging initiatives.
View all DE:JHY earnings summariesJHY Net sales 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
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 1 | 5 |
| Technical Analysis | 3 | 1 | 5 |
| Moving Averages | 12 | 0 | 0 |
