Score Your Stock

US stock · figures in US dollars · scored on full-year results

Jack Henry & Associates Jack Henry & Associates, Inc.

JKHY · Technology · Information Technology Services
Top 29% of scored stocks
OkayTop 29% of scored stocks
Weak Spot

Jack Henry & Associates scores 62/100 on fundamentals: in the top 29% of 503 scored S&P 500 stocks. Its strongest area is Business Strength (90/100); its weakest is Price Fairness (0/100). It carries 1 warning flag: Weak Spot.

Best
Business 90
Risk 90
Weakest
Price 0
  • Carries a Weak Spot flag

A financially strong, expensively priced stock, but price fairness needs attention.

What looks good
What to watch
Mkt capUS$ 11.3b#484 of 503 in the S&P 500EPSUS$ 6.98P/E22.5×✓ vs sector median 31.8×P/B5.5×✓ vs sector median 7.4×Div yield1%✓ Top 48% in the S&P 50052w range · 56% of range121.04193.39
as of 31 Oct 2026

Nearby peers

Ranks #36 of 86 in Technology by score

#1First Solar87#34Texas Instruments63#35Uber63
#36Jack Henry & Associates62
#37Keysight Technologies61#38Analog Devices59

One-Minute Summary

Why Jack Henry & Associates scores 62

A financially strong, expensively priced stock, but price fairness needs attention.

What looks good
What to watch

Business Strength

90
Why 90?
Pillar score: (2 + 1 + 2 + 2 + 2) = 9 of 10 points → 90
Return on Equity (ROE)25%Strong4-Year Revenue Growth+7%/yrOkay4-Year Profit Growth+11%/yrStrongNet Profit Margin20%StrongQuarterly Momentum+7%Strong
Show 3 charts

Net Profit & Equity, with ROE

Net Profit ↑ +37.2%Equity ↑ +27.6%ROE % 24.5%
Net ProfitEquityROE %
367m382m456m503m1.6b1.8b2.1b2.1b202320242025202622.8%20.7%21.4%24.5%

Revenue & Net Profit, with Net Margin

Revenue ↑ +22.5%Net Profit ↑ +37.2%Net Margin % 19.8%
RevenueNet ProfitNet Margin %
2.1b2.2b2.4b2.5b367m382m456m503m202320242025202617.6%17.2%19.2%19.8%

Sales grew about 22.5% over 4 years: customers keep spending more with this company.

Profit climbed about 37.2% over 4 years: the business keeps more money as it grows.

Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)

Revenue ↑ +7.2%Net Profit ↓ -6.7%Net Margin % 17.3%
RevenueNet ProfitNet Margin %
601m574m585m615m645m619m636m644m119m98m111m128m144m125m123m111mQ3'24Q4'24Q1'25Q2'25Q3'25Q4'25Q1'26Q2'2619.8%17%19%20.7%22.3%20.1%19.3%17.3%
▲▲▲▲▲▲▲▼

Sales have stayed roughly flat over the last 8 quarters.

Profit has moved sideways over the last 8 quarters.

Why 83?
Pillar score: (2 + 1 + 2) = 5 of 6 points → 83
Debt-to-Equity0×StrongCurrent Ratio1.2×OkayInterest Coverage122.2×Strong
Show chart

Short-term assets vs bills, with Current Ratio

Current Assets ↑ +3.4%Current Liabilities ↑ +6.2%Current Ratio 1.2×
Current AssetsCurrent LiabilitiesCurrent Ratio
628m632m682m649m524m634m536m556m20232024202520261.2×1×1.3×1.2×
Why 50?
Pillar score: (0 + 2 + 2 + 0) = 4 of 8 points → 50
Dividend Quality1%Weak
Payout ratio: 34%
Operating Cash FlowPositive & growingStrongFree Cash FlowPositive & growingStrongCash & Cash EquivalentsShrinking & thinWeak
Show 2 charts

Operating vs Free Cash Flow

Operating CF ↑ +99.7%Free CF ↑ +190.1%
Operating CFFree CF
382m568m642m762m175m336m410m507m2023202420252026

The business generates real cash, and more of it each year: a very healthy sign.

Dividends per Share, with Yield

DPS (cents) ↑ +17.8%Yield % 1.5%
DPS (cents)Yield %
525252555858586120221422623820232024202520261.2%1.4%1.3%1.5%

Dividends per share have been maintained or raised: management shares the rewards with you.

Why 0?
Pillar score: (0 + 0 + 0) = 0 of 6 points → 0
P/E Ratio22.5×WeakP/B Ratio5.5×WeakPEG Ratio2Weak
Show chart

Share Price: Weekly Closes (not part of the score)

US$ 188.10US$ 156.94US$ 125.77Oct '25Feb '26Jun '26Oct '26

The share price is up about 10% over the past year.

Why 90?
Pillar score: (2 + 2 + 2 + 1 + 2) = 9 of 10 points → 90 · 1 N/A skipped
Earnings ConsistencySteadyStrongDebt Trend (4yr)FallingStrongShare Count Trend (4yr)-1%/yrStrongAsset Turnover Trend (4yr)+8%OkayQuarterly Consistency1 of 4 quarters downStrong

No data: Inventory vs Sales (4yr)

Ranks #36 of 86 in Technology by score

Sector peers

#1First Solar87#34Texas Instruments63#35Uber63
#36Jack Henry & Associates (you)62
#37Keysight Technologies61#38Analog Devices59

Full Financial History

Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.

Financial YearRevenueNet ProfitOperating Cash FlowFree Cash FlowCapExCashTotal DebtShort-Term DebtEquityCurrent AssetsCurrent LiabilitiesTotal AssetsTotal LiabilitiesDividendsReturn on Equity (ROE)Net Profit MarginDebt-to-EquityCurrent RatioInterest CoverageDividend Payout RatioDiv yieldP/E RatioP/B RatioPEG Ratio
2026US$ 2.5bUS$ 502.8mUS$ 762.0mUS$ 506.5mUS$ -255.5mUS$ 12.1mUS$ 40.0m-US$ 2.1bUS$ 649.1mUS$ 556.2mUS$ 3.1bUS$ 1.1bUS$ 238.0m25%20%0.0×1.2×122.2×34%1%22.5×5.5×2.0
2025US$ 2.4bUS$ 455.7mUS$ 641.5mUS$ 410.3mUS$ -231.2mUS$ 102.0m--US$ 2.1bUS$ 681.5mUS$ 535.8mUS$ 3.0bUS$ 913.1mUS$ 226.0m21%19%-1.3×57.1×36%1%28.2×6.0×3.6
2024US$ 2.2bUS$ 381.8mUS$ 568.0mUS$ 335.6mUS$ -232.4mUS$ 38.3mUS$ 150.0mUS$ 90.0mUS$ 1.8bUS$ 632.0mUS$ 633.8mUS$ 2.9bUS$ 1.1bUS$ 214.0m21%17%0.1×1.0×31.4×41%1%32.3×6.7×12.6
2023US$ 2.1bUS$ 366.6mUS$ 381.6mUS$ 174.6mUS$ -207.0mUS$ 12.2mUS$ 275.0m-US$ 1.6bUS$ 628.0mUS$ 523.8mUS$ 2.8bUS$ 1.2bUS$ 202.0m23%18%0.2×1.2×32.5×40%1%31.3×7.1×30.4