A Business at a Glance
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Jack Henry & Associates, Inc.® is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. For nearly 50 years, we have provided technology solutions to help banks and credit unions innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 financial institutions and diverse corporate entities with people-inspired innovation, personal service, and insight-driven solutions. Mission Statement We strengthen the connections between people and their financial institutions through technology and services that reduce the barriers to financial health. This mission has always been part of the foundation on which Jack Henry was built.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 2.5B | 2.4B | 2.2B | 2.1B | 1.9B | 1.8B |
| Net Income | 507M | 456M | 382M | 367M | 363M | 311M |
| EPS | $6.97 | $6.24 | $5.23 | $5.02 | $4.94 | $4.12 |
| Free Cash Flow | 654M | 588M | 510M | 342M | 470M | 439M |
| ROIC | 22.7% | 21.7% | 18.4% | 19.8% | 25.2% | 22.8% |
| Gross Margin | 43.8% | 42.7% | 41.3% | 41.3% | 41.9% | 39.5% |
| Debt/Equity | 0.01 | 0.00 | 0.13 | 0.17 | 0.08 | 0.08 |
| Dividends/Share | $2.33 | $2.26 | $2.14 | $2.02 | $1.90 | $1.78 |
| Operating Income | 638M | 569M | 489M | 481M | 475M | 399M |
| Operating Margin | 25.9% | 23.9% | 22.1% | 23.1% | 24.4% | 22.7% |
| ROE | 23.0% | 22.9% | 20.7% | 22.8% | 26.3% | 23.6% |
| Shares Outstanding | 72M | 73M | 73M | 73M | 73M | 76M |
JACK HENRY & ASSOCIATES INC passes 6 of 9 quality checks, suggesting mixed fundamentals.
JACK HENRY & ASSOCIATES INC trades at 21.7x trailing earnings, compared to its 15-year median P/E of 31.4x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 16.7x vs a median of 25.0x. The company's 5-year average ROIC is 21.6% with a gross margin of 41.4%. Total shareholder yield (dividends + buybacks) is 2.9%. At current prices, the estimated annualized return to fair value is +4.3%.
JACK HENRY & ASSOCIATES INC (JKHY) has a current P/E ratio of 21.7, compared to its historical median P/E of 31.4. The stock is currently considered Cheap based on its historical valuation range.
JACK HENRY & ASSOCIATES INC (JKHY) has a 5-year average return on invested capital (ROIC) of 21.6%. This indicates strong capital allocation and a potential competitive advantage.
JACK HENRY & ASSOCIATES INC (JKHY) has a market capitalization of $10.9B. It is classified as a large-cap stock.
Yes, JACK HENRY & ASSOCIATES INC (JKHY) pays a dividend with a trailing twelve-month yield of 1.54%. The company also returns capital through share buybacks, with a buyback yield of 1.31%.
Based on historical P/E analysis, JACK HENRY & ASSOCIATES INC (JKHY) appears cheap. The current P/E of 21.7 is 31% below its historical median of 31.4. The estimated fair value CAGR (P/E method) is 7.3%.
JACK HENRY & ASSOCIATES INC (JKHY) operates in the Services-Computer Integrated Systems Design industry, within the Technology sector.
JACK HENRY & ASSOCIATES INC (JKHY) reported annual revenue of $2.4 billion in its most recent fiscal year, based on SEC EDGAR filings.
JACK HENRY & ASSOCIATES INC (JKHY) has a net profit margin of 19.2%. This is a healthy margin.
JACK HENRY & ASSOCIATES INC (JKHY) generated $588 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
JACK HENRY & ASSOCIATES INC (JKHY) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
JACK HENRY & ASSOCIATES INC (JKHY) reported earnings per share (EPS) of $6.24 in its most recent fiscal year.
JACK HENRY & ASSOCIATES INC (JKHY) has a return on equity (ROE) of 22.9%. This indicates the company generates strong returns for shareholders.
JACK HENRY & ASSOCIATES INC (JKHY) has a 5-year average gross margin of 41.4%. This indicates decent pricing power.
The Ledger Terminal provides 17 years of financial data for JACK HENRY & ASSOCIATES INC (JKHY), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
JACK HENRY & ASSOCIATES INC (JKHY) has a book value per share of $29.17, based on its most recent annual SEC filing.