Jack Henry & Associates, Inc.
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 …
What to know about JKHY
Jack Henry & Associates, Inc. is a Technology company with a mixed financial profile. It scores well on cash flow and profitability, but size is worth keeping an eye on.
Should you consider JKHY?
Based on 31 financial metrics and sector comparison. Not financial advice.
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Jack Henry & Associates, Inc. is a Technology company with a mixed overall financial profile — it ranks in the top quarter of its Technology peers (17 of 82).
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The business is both profitable and financially healthy — it keeps a good portion of what it earns and carries its debt comfortably.
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Valuation is in the middle of the pack — neither obviously cheap nor stretched.
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The company is growing at a reasonable pace — not the fastest, but consistently moving in the right direction.
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There is a small dividend (0.02%), but income-focused investors will likely find better yields elsewhere in the market.
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Volatility is close to the S&P 500 average — typical market swings, nothing unusual.
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This is a mixed picture — real strengths in some areas, but areas that need watching too. Do your homework on the sector before deciding.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how JKHY compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 17.63 | Above avg |
| Forward P/E | 17.80 | Average |
| PEG Ratio | 1.76 | Average |
| Price to Sales | 3.57 | Average |
| Price to Book | 4.21 | Average |
| EV/EBITDA | 13.00 | Above avg |
| Earnings Yield | 5.67% | Above avg |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 44.06% | Average |
| Operating Margin | 24.37% | Above avg |
| Net Profit Margin | 20.64% | Above avg |
| Return on Equity | 24.89% | Above avg |
| Return on Invested Capital | 13.66% | Top 25% |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 8.70% | Average |
| Revenue Growth (3Y CAGR) | 6.93% | Above avg |
| EPS Growth (YoY) | 12.50% | Average |
| Free Cash Flow Growth | 22.26% | Above avg |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | 1.74 | Above avg |
| Debt to Equity | 6.40 | Below avg |
| Interest Coverage | 57.14 | Top 25% |
| Altman Z-Score | 8.93 | Top 25% |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | 1.84% | Average |
| Payout Ratio | 32.82% | Average |
| Dividend Growth (5Y) | -7.89% | Average |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 6.03% | Above avg |
| OCF to Sales | 31.26% | Above avg |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 0.57 | Top 25% |
| Volatility (30-Day) | 31.24% | Average |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 9.01% | Below avg |
| Avg. Analyst Rating | 1.67 | Top 25% |
| Target Upside % | 48.93% | Top 25% |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 8.97B | Below avg |
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