Jack Henry is a leading provider of core processing and complementary services, including electronic funds transfer, payment processing, and loan processing, for US banks and credit unions, with a focus on small and midsize banks. Jack Henry serves almost 1,000 banks and over 700 credit unions.
It is a $10.5B technology company. Revenue grew 7.1% over the last year, and it keeps 20¢ of every dollar of sales as profit. It trades at 20.8× earnings — near the lowest of its own history.
- Website
- jackhenry.com
- Location
- Monett, MO
- Employees
- 7 300
- Sector
- Technology
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation, quality and moat; Health lags behind.
Valuation77
- P/E vs own history3th pct · 25/25
- FCF yield6.6% · 20/25
- P/S4.1x · 20/25
- EV/EBITDA15.5x · 12/25
Growth56
- Revenue CAGR7.0% · 12/25
- Net income CAGR8.5% · 12/25
- EPS CAGR ~5Y11.1% · 20/25
- Fwd implied growth5.1% · 12/25
Profitability60
- ROICn/a · 0/25
- ROE23.5% · 20/25
- Net margin19.8% · 20/25
- Operating margin25.0% · 20/25
Health37
- Altman Zn/a · 0/25
- Current ratio1.17 · 12/25
- Interest coverage78.8x · 25/25
- Net cash / debtn/a · 0/25
Quality97
- Piotroski F7/9 · 22/25
- Beneish M-7.86 · 25/25
- FCF conversion140% · 25/25
- Margin stabilityσ 1.6% · 25/25
Moat88
- ROIC >12% years10/10 yrs · 25/25
- Median gross margin41.9% · 13/25
- FCF-positive years11/11 yrs · 25/25
- Worst-year net marginworst 17.2% · 25/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2026FinancialBest year on record$503M net income
- FY2020FinancialBecame debt-freecash now exceeds total debt
- FY2016FinancialProfitable every year on record11 consecutive profitable years in our data
- FY2016FinancialRevenue already above $1B$1.35B in first reported year
- FY2016FinancialPositive free cash flow every year since11-year streak
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- High gross margin (43.6%)
- Strong cash conversion — FCF is 27.3% of revenue
- Interest covered 78.8× by operating earnings
- Piotroski F-Score 7/9 — fundamentally strong checklist
Watch-outs
Nothing stands out as a concern in the available data.
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+7.1% YoY
- Profitable — makes more than it spends$503M TTM
- Profit growing — earnings are higher than last year+11.6% YoY
- Generates cash — cash left after running and investing$695M TTM
- Debt under control — could handle its obligationscurrent ratio 1.17
- Established company — not a micro-cap — lower blow-up risk$10.5B market cap
- Not printing shares — share count not ballooning — you keep your slice-4.8% shares over ~5y
- Proven track record — years of profitability behind it11/11 profitable years
- Financially stable — balance sheet not near distresshealth score 37/100
- Pays a dividend — returns cash to shareholdersyield 1.63%
- Valuation not extreme — price not wildly above earningsP/E 20.8
Peer comparisonHenry (Jack) & Associates vs 6 largest technology peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| JKHY this company | $10.5B | 20.8 | +7.1% | 19.8% | Mixed |
| NVDA Nvidia Corp | $5.5T | 28.6 | +83.4% | 63.7% | Mixed |
| AAPL Apple Inc. | $4.9T | 38.1 | +14.2% | 27.6% | Strong |
| GOOGL Alphabet Inc. | $4.3T | 17.6 | +20.1% | 54.8% | Mixed |
| MSFT Microsoft Corp | $4.0T | 29.7 | +17.8% | 40.3% | Strong |
| SPCX Space Exploration Technologies Corp. | $2.1T | — | +33.2% | -34.0% | Strained |
| META Meta Platforms, Inc. | $1.8T | 26.9 | +27.7% | 29.8% | Mixed |
Head-to-head: JKHY vs NVDA · JKHY vs AAPL · JKHY vs GOOGL
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2026. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/JKHY
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of JKHY on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $149.31 · market cap $10.5B.