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Jack Henry & Associates (JKHY) Stock Price & Analysis
JKHY Stock Chart & Stats
- Day’s Range
- $159.02 - $162.99
- 52-Week Range
- $121.04 - $193.39
- Previous Close
- $163.42
- Volume
- N/A
- Average Volume (3M)
- 821.29K
- Market Cap
- $11.46B
- Enterprise Value
- $9.83B
- Total Cash (Recent Filing)
- $4.58M
- Total Debt (Recent Filing)
- $0
- Price to Earnings (P/E)
- 22.2
- Beta
- 0.06
- Next Earnings
- Feb 09, 2027 (Est.)
- EPS Estimate
- 1.78
- Last Dividend Ex-Date
- Sep 04, 2026
- Dividend Yield
- 1.49%
Bulls Say, Bears Say
Bulls Say
Recurring Cloud And Subscription Revenue
A high recurring-revenue mix and increasing cloud adoption make the business more predictable and deepen customer integration. With most core clients already operating in private cloud, Jack Henry can sustain retention while expanding services and revenue per institution.
Strengthening Market Position And Upmarket Wins
More competitive wins among larger institutions indicate stronger market reach and product credibility beyond the traditional community-bank base. Higher bundled adoption also supports cross-selling, increases customer embeddedness, and can improve long-term revenue durability.
Strong Profitability And Cash Generation
Improving margins alongside strong free cash flow demonstrates effective operating leverage and high earnings quality. Low debt preserves financial flexibility for product investment, acquisitions or shareholder returns, while cash generation supports continued strategic execution.
Bears Say
Near-term Investment And Expense Pressure
Planned spending on cybersecurity, AI, infrastructure and data-center consolidation is strategically relevant but creates pressure on margins and earnings in the first half. If investments take longer to produce benefits, operating leverage could remain constrained into the next several quarters.
Core Segment Margin Compression
Implementation-heavy growth can dilute margins because new core wins require conversion resources and additional customer work. Even if the pressure is partly mix-driven, continued onboarding activity could limit near-term margin expansion until deployments mature.
Revenue And Cash-flow Timing Volatility
Long implementation cycles and unpredictable deconversion activity make quarterly revenue, margin and cash-flow outcomes less consistent. This timing variability can obscure underlying progress and complicate planning, particularly while new core wins are being converted.
Jack Henry & Associates News
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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 (JKHY) Earnings & Revenues
JKHY Earnings Call
Earnings Call SentimentPositive
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 JKHY earnings summariesJKHY Net sales Breakdown
- 32.07% Private and Public Cloud
- 11.60% Product Delivery and Services
- 13.24% On-Premise Support
- 43.09% Processing
JKHY Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 5 | 2 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 12 | 0 | 0 |










