JKHY
BULLISH
$147.2
Live
Jack Henry & Associates, Inc. · NASDAQ
Target $202.13
(+37.3%)
$144.12
52W Range
$193.39
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 12, 2026
Market cap
$10.65B
P/E
21.09
ROE
24.3%
Profit margin
20.6%
Debt/Equity
0.03
Dividend yield
1.6%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
JKHY exhibits exceptional fundamental strength, highlighted by a Piotroski F-Score of 8/9 and a near-zero Debt/Equity ratio of 0.03. While the technical trend is currently bearish (0/100) and the stock is trading well above its defensive Graham Number ($69.24), it remains significantly undervalued relative to its growth-based intrinsic value of $205.91. The company's track record of beating earnings estimates over 25 consecutive quarters provides high confidence in its operational execution. The current price dip represents a compelling entry point for long-term investors despite short-term momentum headwinds.
Key Strengths
Exceptional financial health with a Piotroski F-Score of 8/9
Negligible leverage with a Debt/Equity ratio of 0.03
Remarkable earnings consistency with beats in nearly all of the last 25 quarters
Strong profitability metrics including an ROE of 24.28% and Operating Margin of 25.70%
Significant upside potential toward the intrinsic value ($205.91) and analyst target ($202.13)
Key Risks
Severe bearish technical momentum (Technical Trend score of 0/100)
Bearish insider sentiment with $3.53M in net selling and zero buys
Modest top-line revenue growth (7.9% YoY) compared to earnings growth
PEG ratio of 2.06 suggests the stock may be slightly expensive relative to its growth rate
Recent sharp price decline, losing 11.9% of value in the last month
AI Fair Value Estimate
Based on comprehensive analysis
$185.0
+25.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
80
Strong
70
75
95
98
60
AI Verdict
Strong Fundamental Value
Key drivers: Piotroski F-Score, Debt/Equity Ratio, Earnings Surprise History
Confidence
90%
Value
70/100
P/E 21.09, PEG 2.06, Graham Number $69.24
Positives
- P/E of 21.09 is significantly lower than the sector average of 63.74
Watchpoints
- Trades at a premium to Graham Number
- PEG ratio > 2.0
Future
75/100
Ref Growth rates
Positives
- Strong YoY Earnings Growth of 28.40%
Watchpoints
- Revenue growth is relatively slow at 7.90%
Past
95/100
Ref Historical trends
Positives
- Consistent earnings beats over 25 quarters
- Strong historical ROE
Watchpoints
No urgent risks highlighted.
Health
98/100
Ref Piotroski F-Score and Debt/Equity
Positives
- Piotroski F-Score 8/9
- Debt/Equity 0.03
- Current Ratio 1.60
Watchpoints
No urgent risks highlighted.
Dividend
60/100
Ref Yield, Payout
Positives
- Sustainable payout ratio of 33.29%
Watchpoints
- Low dividend yield of 1.60%
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$147.2
Analyst Target
$202.13
Upside/Downside
+37.3%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for JKHY and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
JKHY
Jack Henry & Associates, Inc.
Primary
|
+0.6% | -0.1% | -12.3% | -2.2% | -11.9% | -6.5% |
|
BSY
Bentley Systems, Incorporated
Peer
|
-28.3% | -16.9% | -11.7% | -34.4% | -14.4% | -2.2% |
|
AMKR
Amkor Technology, Inc.
Peer
|
+115.2% | +66.3% | +111.5% | +69.2% | -5.2% | -13.0% |
|
GEN
Gen Digital Inc.
Peer
|
-8.2% | +13.0% | -26.4% | -31.4% | -15.7% | -2.8% |
|
FORM
FormFactor, Inc.
Peer
|
+141.9% | +296.2% | +306.8% | +215.6% | +33.0% | +17.4% |
JKH
Jack Henry & Associates, Inc.
Primary
5Y
+0.6%
3Y
-0.1%
1Y
-12.3%
6M
-2.2%
1M
-11.9%
1W
-6.5%
BSY
Bentley Systems, Incorporated
Peer
5Y
-28.3%
3Y
-16.9%
1Y
-11.7%
6M
-34.4%
1M
-14.4%
1W
-2.2%
AMK
Amkor Technology, Inc.
Peer
5Y
+115.2%
3Y
+66.3%
1Y
+111.5%
6M
+69.2%
1M
-5.2%
1W
-13.0%
GEN
Gen Digital Inc.
Peer
5Y
-8.2%
3Y
+13.0%
1Y
-26.4%
6M
-31.4%
1M
-15.7%
1W
-2.8%
FOR
FormFactor, Inc.
Peer
5Y
+141.9%
3Y
+296.2%
1Y
+306.8%
6M
+215.6%
1M
+33.0%
1W
+17.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
21.09
Forward P/E
21.05
PEG Ratio
2.06
P/B Ratio
4.82
P/S Ratio
4.32
EV/Revenue
4.33
EV/EBITDA
15.31
Market Cap
$10.65B
Profitability
Profit margins and return metrics
Profit Margin
20.59%
Operating Margin
25.7%
Gross Margin
43.84%
ROE
24.28%
ROA
13.35%
Growth
Revenue and earnings growth rates
Revenue Growth
+7.9%
Earnings Growth
+28.4%
Q/Q Revenue Growth
+7.93%
Q/Q Earnings Growth
+27.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.03
Low debt
Current Ratio
1.6
Good
Quick Ratio
0.95
Poor
Cash/Share
$0.39
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.6B
Gross Margin
43.3%
Op. Margin
25.7%
Net Margin
20.1%
Total Assets
$3.1B
Liabilities
$0.9B
Equity
$2.2B
Debt/Equity
0.39x
Operating CF
$0.2B
CapEx
$-0.1B
Free Cash Flow
$0.1B
FCF Yield
56%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-05
$N/A
2026-02-03
$1.66
+17.1% surprise
2025-11-04
$1.86
+12.8% surprise
2025-08-19
$1.56
+4.1% surprise
Technology Sector Comparison
Comparing JKHY against 262 companies in the Technology sector
(24 bullish, 90 neutral, 148 bearish)
P/E Ratio
21.09
This Stock
vs
65.35
Sector Avg
-67.7%
(Discount)
Return on Equity (ROE)
24.28%
This Stock
vs
-25.88%
Sector Avg
-193.8%
(Below Avg)
Profit Margin
20.59%
This Stock
vs
-10.67%
Sector Avg
-293.0%
(Weaker)
Debt to Equity
0.03
This Stock
vs
0.73
Sector Avg
-95.8%
(Less Debt)
Revenue Growth
7.9%
This Stock
vs
9374.82%
Sector Avg
-99.9%
(Slower)
Current Ratio
1.6
This Stock
vs
3.77
Sector Avg
-57.6%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
JKHY
Jack Henry & Associates, Inc.
|
BULLISH | $10.65B | 21.09 | 24.3% | 20.6% | $147.2 | |
|
BSY
Bentley Systems, Incorporated
|
NEUTRAL | $10.43B | 40.41 | 24.9% | 18.5% | $34.35 | Compare |
|
AMKR
Amkor Technology, Inc.
|
BULLISH | $10.29B | 27.74 | 8.7% | 5.6% | $41.61 | Compare |
|
GEN
Gen Digital Inc.
|
NEUTRAL | $11.33B | 18.94 | 26.9% | 12.8% | $18.37 | Compare |
|
FORM
FormFactor, Inc.
|
BEARISH | $9.44B | 178.04 | 5.5% | 6.9% | $121.07 | Compare |
JKHY
Jack Henry &...
BULLISH
Mkt Cap
$10.7B
P/E
21.1
ROE
24.3%
Price
$147.2
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-12 | FLANIGAN MATTHEW C | Director | Gift | 440 | - |
| 2025-12-31 | MCLACHLAN SHANON G. | Chief Operating Officer | Stock Award | 183 | - |
| 2025-12-15 | SWEARINGEN RENEE ANN | Officer | Gift | 200 | - |
| 2025-12-01 | FOSS DAVID B | Director | Sale | 20,000 | $3,498,400 |
| 2025-11-11 | FLANIGAN MATTHEW C | Director | Stock Award | 1,159 | - |
| 2025-11-11 | BROWN WESLEY A | Director | Stock Award | 1,159 | - |
| 2025-11-11 | WILSON THOMAS HAMPTON JR. | Director | Stock Award | 1,159 | - |
| 2025-11-11 | MIYASHIRO SHRUTI S | Director | Stock Award | 1,159 | - |
| 2025-11-11 | WIMSETT THOMAS A | Director | Stock Award | 1,159 | - |
| 2025-11-11 | CAMPBELL CURTIS A | Director | Option Exercise | 1,159 | $192,081 |
| 2025-11-11 | LOCASCIO TAMMY S. | Director | Stock Award | 1,159 | - |
| 2025-11-11 | NELSON LISA M | Director | Stock Award | 1,159 | - |
| 2025-11-10 | MCLACHLAN SHANON G. | Chief Operating Officer | Sale | 227 | $36,508 |
FLANIGAN MATTHEW C
Director
2026-02-12
440 shares
MCLACHLAN SHANON G.
Chief Operating Officer
2025-12-31
183 shares
SWEARINGEN RENEE ANN
Officer
2025-12-15
200 shares
FOSS DAVID B
Director
2025-12-01
20,000 shares
·
$3,498,400
FLANIGAN MATTHEW C
Director
2025-11-11
1,159 shares
BROWN WESLEY A
Director
2025-11-11
1,159 shares
WILSON THOMAS HAMPTON JR.
Director
2025-11-11
1,159 shares
MIYASHIRO SHRUTI S
Director
2025-11-11
1,159 shares
WIMSETT THOMAS A
Director
2025-11-11
1,159 shares
CAMPBELL CURTIS A
Director
2025-11-11
1,159 shares
·
$192,081
LOCASCIO TAMMY S.
Director
2025-11-11
1,159 shares
NELSON LISA M
Director
2025-11-11
1,159 shares
MCLACHLAN SHANON G.
Chief Operating Officer
2025-11-10
227 shares
·
$36,508
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
15 analysts
Loop Capital
2026-03-31
Buy
Wells Fargo
2026-02-17
Equal-Weight
Overweight
Morgan Stanley
2026-02-05
Equal-Weight
Equal-Weight
DA Davidson
2026-02-04
Buy
Buy
Wells Fargo
2026-01-30
Equal-Weight
Equal-Weight
DA Davidson
2026-01-29
Buy
Buy
DA Davidson
2026-01-28
Buy
Buy
UBS
2026-01-08
Neutral
Neutral
Wolfe Research
2026-01-08
Peer Perform
Outperform
RBC Capital
2025-12-16
Sector Perform
Outperform
Past News Coverage
Recent headlines mentioning JKHY from our newsroom.
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