JKHY Jack Henry & Associates, Inc. - Common Stock

NASDAQ · Financial Services · View on SEC EDGAR ↗

$139.08

Price · May 20, 2026

Fundamentals as of May 7, 2026

JKHY Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price

$139.07

Market Cap

$18.81B

P/E (TTM)

28.9

EPS (TTM)

$6.24

Revenue (TTM)

$2.38B

Div Yield

0.88%

ROE

22.2%

Debt/Equity

0.0

52W Range

$132 – $193

JKHY Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $2.38B

2016-06-30 → 2025-06-30

EPS $6.24

2016-06-30 → 2025-06-30

Free Cash Flow $588M

2016-06-30 → 2025-06-30

Margins 19.2%

2016-06-30 → 2017-06-30

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric

5Y trend

JKHY

Peer Median

P/E (TTM)

28.9

27.5

P/S (TTM)

7.9

2.1

P/B

8.8

6.2

Price / FCF

32.0

—

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric

5Y trend

JKHY

Peer Median

Operating Margin

23.9%

—

Net Profit Margin

19.2%

6.4%

ROA

15.3%

4.9%

ROE

22.2%

23.6%

ROIC

20.8%

—

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric

5Y trend

JKHY

Peer Median

Debt / Equity

0.0

0.6

Current Ratio

1.3

Quick Ratio

0.6

—

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric

5Y trend

JKHY

Peer Median

Revenue YoY

7.2%

—

Revenue CAGR 3Y

6.9%

—

Revenue CAGR 5Y

7.0%

—

EPS YoY

19.3%

—

Net Income YoY

19.4%

—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric

5Y trend

JKHY

Peer Median

EPS (Diluted)

$6.24

—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric

5Y trend

JKHY

Peer Median

Payout Ratio

36.1%

—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield

0.88%

Payout Ratio

36.1%

5Y Div CAGR

—

Ex-date	Amount
March 5, 2026	$0.6100
Dec. 2, 2025	$0.5800
Sept. 5, 2025	$0.5800
May 29, 2025	$0.5800
March 6, 2025	$0.5800
Dec. 2, 2024	$0.5500
Sept. 6, 2024	$0.5500
May 24, 2024	$0.5500
March 7, 2024	$0.5500
Nov. 30, 2023	$0.5200
Sept. 7, 2023	$0.5200
May 25, 2023	$0.5200
March 7, 2023	$0.5200
Nov. 30, 2022	$0.4900
Sept. 8, 2022	$0.4900
May 26, 2022	$0.4900
March 7, 2022	$0.4900
Dec. 2, 2021	$0.4600
Sept. 8, 2021	$0.4600
May 27, 2021	$0.4600

JKHY Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 23 analysts

Strong Buy 8 34.8%
Buy 9 39.1%
Hold 6 26.1%
Sell 0 0.0%
Strong Sell 0 0.0%

12-Month Price Target

14 analysts · 2026-05-14

Median $193.50

Mean $189.21

← Below all targets $139.07

Low $161.00

High $208.00

Median target $193.50 +39.1%

Mean target $189.21 +36.1%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise

0.20%

Period	EPS Actual	EPS Est	Surprise
March 31, 2026	$1.71	$1.49	0.22%
Dec. 31, 2025	$1.72	$1.46	0.26%
Sept. 30, 2025	$1.97	$1.75	0.22%
June 30, 2025	$1.75	$1.61	0.14%
March 31, 2025	$1.52	$1.39	0.13%

Peer Comparison Key metrics vs sector peers

Ticker	Market Cap	P/E	Rev YoY	Net Margin	ROE	Gross Margin
JKHY	$18.81B	28.9	7.2%	19.2%	22.2%	—
CPAY	$20.57B	20.0	13.9%	23.6%	30.5%	—
FIS	$42.27B	91.0	5.4%	3.6%	2.6%	36.9%
AFRM	$22.48B	460.9	38.8%	1.6%	1.8%	—
GPN	$18.32B	13.4	-0.39%	18.2%	6.2%	—
TOST	$20.92B	63.4	24.1%	5.6%	17.3%	25.9%
CHYM	$0	-5.9	30.7%	-46.2%	-71.4%	88.0%
WEX	$5.11B	17.6	1.2%	11.4%	27.5%	—
RELY	$2.91B	44.5	29.4%	4.2%	8.3%	—
SEZL	—	17.1	66.1%	—	—	—
FOUR	—	—	25.5%	2.9%	10.6%	—

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 17

Annual Income Statement data for JKHY
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue	$2.38B	$2.22B	$2.08B	$1.94B	$1.76B	$1.70B	$1.55B	$1.47B	$1.39B	$1.35B	$1.26B	$1.17B
Cost of Revenue	$1.36B	$1.30B	$1.22B	$1.13B	$1.06B	$1.01B	$923M	$853M	$806M	$774M	$720M	$679M
Gross Profit	·	·	·	·	·	·	·	·	$612M	$581M	$536M	$494M
R&D Expense	$163M	$148M	$143M	$121M	$109M	$110M	$96M	$90M	$85M	$81M	$71M	$67M
SG&A Expense	$283M	$278M	$235M	$218M	$187M	$198M	$186M	$172M	$159M	$158M	$64M	$53M
Operating Expenses	$1.81B	$1.73B	$1.60B	$1.47B	$1.36B	$1.32B	$1.21B	$1.11B	$1.05B	$993M	$218M	$206M
Operating Income	$569M	$489M	$481M	$475M	$399M	$381M	$347M	$358M	$342M	$362M	$318M	$288M
Interest Expense	·	·	$15M	$2M	$1M	$688.0K	$926.0K	$2M	$996.0K	$1M	$2M	$1M
Interest Income	$28M	$25M	$9M	$32.0K	$150.0K	$1M	$876.0K	$575.0K	$248.0K	$307.0K	$169.0K	$377.0K
Pretax Income	$586M	$498M	$475M	$472M	$398M	$381M	$347M	$356M	$341M	$361M	$316M	$288M
Income Tax	$130M	$116M	$108M	$109M	$86M	$84M	$75M	$-9M	$111M	$112M	$105M	$101M
Net Income	$456M	$382M	$367M	$363M	$311M	$297M	$272M	$365M	$230M	$249M	$211M	$187M
EPS (Basic)	$6.25	$5.24	$5.03	$4.95	$4.12	$3.86	$3.52	$4.73	$2.95	$3.13	$2.60	$2.20
EPS (Diluted)	$6.24	$5.23	$5.02	$4.94	$4.12	$3.86	$3.52	$4.70	$2.93	$3.12	$2.59	$2.19
Shares (Basic)	72,874,000	72,867,000	72,918,000	73,324,000	75,546,000	76,787,000	77,160,000	77,252,000	77,856,000	79,416,000	81,353,000	84,866,000
Shares (Diluted)	73,045,000	73,025,000	73,096,000	73,486,000	75,658,000	76,934,000	77,347,000	77,585,000	78,255,000	79,734,000	81,601,000	85,396,000
EBITDA	$569M	$489M	$481M	$475M	$399M	$381M	$347M	$392M	$368M	$362M	$318M	$288M

Balance Sheet 28

Annual Balance Sheet data for JKHY
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Cash & Equivalents	$102M	$38M	$12M	$49M	$51M	$213M	$94M	$31M	$115M	$70M	$148M	$70M
Receivables	$318M	$333M	$361M	$348M	$307M	$301M	$310M	$297M	$277M	$254M	$245M	$224M
Prepaid Expense	$180M	$169M	$169M	$126M	$110M	$96M	$106M	$96M	$67M	$57M	$69M	$61M
Current Assets	$681M	$632M	$628M	$614M	$544M	$669M	$569M	$471M	$520M	$432M	$493M	$391M
PP&E (Net)	$221M	$215M	$206M	$212M	$252M	$273M	$272M	$286M	$283M	$299M	$296M	$292M
PP&E (Gross)	$721M	$701M	$672M	$667M	$688M	$678M	$661M	$650M	$628M	$627M	$616M	$579M
Accum. Depreciation	$500M	$486M	$467M	$455M	$435M	$404M	$388M	$364M	$345M	$328M	$320M	$287M
Goodwill	$805M	$805M	$805M	$687M	$687M	$686M	$667M	$650M	$552M	$553M	$550M	$553M
Intangibles	·	·	·	·	·	·	·	·	·	·	$34M	$137M
Other Non-current Assets	$444M	$418M	$323M	$294M	$249M	$221M	$135M	$110M	$83M	$70M	$52M	$45M
Total Assets	$3.04B	$2.92B	$2.77B	$2.46B	$2.34B	$2.43B	$2.18B	$2.03B	$1.91B	$1.82B	$1.84B	$1.68B
Accounts Payable	$28M	$25M	$19M	$21M	$18M	$10M	$10M	$30M	$7M	$15M	$10M	$11M
Accrued Liabilities	$207M	$201M	$173M	$192M	$183M	$167M	$120M	$89M	$82M	$85M	$79M	$63M
Short-term Debt	·	·	$0	$67.0K	$110.0K	$115.0K	$0	$0	·	·	·	·
Current Liabilities	$536M	$634M	$524M	$544M	$521M	$495M	$470M	$448M	$471M	$444M	$444M	$447M
Capital Leases	$42M	$51M	$40M	$41M	$49M	$57M	·	·	·	$0	$816.0K	$8M
Deferred Tax	$240M	$244M	$244M	$293M	$261M	$244M	$217M	$208M	$220M	$189M	$150M	$98M
Other Non-current Liabilities	$64M	$74M	$54M	$51M	$59M	$68M	$14M	$13M	$8M	$9M	$9M	$10M
Total Liabilities	$913M	$1.08B	$1.17B	$1.07B	$1.02B	$879M	$756M	$710M	$877M	$819M	$845M	$713M
Long-term Debt	$0	$60M	$275M	$115M	·	·	$0	$0	·	·	$51M	$8M
Total Debt	$0	$150M	$0	$67.0K	$110.0K	$115.0K	$0	·	·	·	·	·
Common Stock	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M
Paid-in Capital	$652M	$620M	$584M	$551M	$519M	$495M	$472M	$464M	$452M	$440M	$425M	$413M
Retained Earnings	$3.37B	$3.08B	$2.86B	$2.64B	$2.41B	$2.24B	$2.07B	$1.91B	$1.59B	$1.43B	$1.27B	$1.13B
Treasury Stock	$1.90B	$1.86B	$1.83B	$1.81B	$1.61B	$1.18B	$1.11B	$1.06B	$1.01B	$876M	$700M	$578M
Stockholders' Equity	$2.13B	$1.84B	$1.61B	$1.38B	$1.32B	$1.55B	$1.43B	$1.32B	$1.10B	$996M	$992M	$967M
Liabilities + Equity	$3.04B	$2.92B	$2.77B	$2.46B	$2.34B	$2.43B	$2.18B	$2.03B	$1.91B	$1.82B	$1.84B	$1.68B
Shares Outstanding	104,415,989	104,245,089	104,088,784	103,921,724	103,795,169	103,622,563	103,496,026	103,278,562	103,083,299	102,903,971	102,695,214	102,429,926

Cash Flow 13

Annual Cash Flow data for JKHY
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Stock-based Comp	$28M	$29M	$29M	$25M	$21M	$17M	$13M	$12M	$11M	$11M	$10M	$10M
Operating Cash Flow	$642M	$568M	$382M	$505M	$462M	$511M	$431M	$412M	$357M	$366M	$374M	$342M
CapEx	$53M	$58M	$39M	$35M	$23M	$54M	$54M	$40M	$42M	$56M	$54M	$33M
Investing Cash Flow	$-232M	$-240M	$-410M	$-196M	$-162M	$-198M	$-191M	$-292M	$-142M	$-136M	$-137M	$-132M
Net Debt Issued	$-500M	$-600M	$-650M	$-317M	$-100M	$-55M	$-35M	$-175M	$-30M	$-152M	$-51M	$-47M
Stock Issued	$12M	$12M	$12M	$12M	$11M	$10M	$9M	$8M	$6M	$6M	$5M	$4M
Stock Repurchased	$35M	$28M	$25M	$194M	$432M	$72M	$55M	$49M	$130M	$176M	$123M	$176M
Net Stock Activity	$-23M	$-16M	$-13M	$-182M	$-421M	$-62M	$-46M	$-41M	$-124M	$-170M	$-118M	$-171M
Dividends Paid	$165M	$156M	$147M	$139M	$134M	$127M	$119M	$105M	$92M	$84M	$76M	$71M
Financing Cash Flow	$-346M	$-302M	$-8M	$-310M	$-462M	$-193M	$-178M	$-204M	$-171M	$-308M	$-159M	$-267M
Net Change in Cash	·	·	·	·	·	·	$62M	$-83M	$44M	$-78M	$78M	$-58M
Free Cash Flow	$588M	$510M	$342M	$470M	$439M	$457M	$378M	$372M	$315M	$309M	$319M	$308M
Levered FCF	·	·	$331M	$468M	$438M	$456M	$377M	$370M	$315M	$308M	$318M	$308M

Profitability 8

Annual Profitability data for JKHY
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Gross Margin	·	·	·	·	·	·	·	·	42.8%	42.9%	42.7%	42.1%
Operating Margin	23.9%	22.1%	23.1%	24.4%	22.7%	22.4%	22.4%	25.5%	25.7%	26.7%	25.3%	24.6%
Net Margin	19.2%	17.2%	17.6%	18.7%	17.7%	17.5%	17.5%	24.5%	17.2%	18.4%	16.8%	15.9%
Pretax Margin	24.7%	22.5%	22.8%	24.3%	22.6%	22.4%	22.4%	25.4%	25.6%	26.6%	25.2%	24.5%
EBITDA Margin	23.9%	22.1%	23.1%	24.4%	22.7%	22.4%	22.4%	25.5%	25.7%	26.7%	25.3%	24.6%
ROA	15.3%	13.4%	14.0%	15.2%	13.1%	12.9%	12.9%	19.0%	13.2%	13.6%	12.0%	·
ROE	22.2%	21.1%	23.3%	26.8%	23.6%	19.4%	19.1%	29.4%	24.2%	25.0%	21.6%	·
ROIC	20.8%	18.8%	23.1%	26.4%	23.7%	19.1%	19.0%	29.8%	23.9%	25.1%	21.4%	·

Liquidity & Solvency 5

Annual Liquidity & Solvency data for JKHY
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Current Ratio	1.3	1.0	1.2	1.1	1.0	1.4	1.2	1.0	1.1	1.0	1.1	·
Quick Ratio	0.6	0.5	0.7	0.6	0.7	1.0	0.9	0.7	0.8	0.7	0.9	·
Debt / Equity	0.0	0.1	0.0	0.0	0.0	0.0	0.0	·	·	·	·	·
LT Debt / Equity	0.0	0.0	·	·	·	·	·	·	·	·	·	·
Interest Coverage	·	·	31.9	199.1	348.5	553.2	375.0	204.4	369.2	252.9	199.4	260.9

Efficiency 2

Annual Efficiency data for JKHY
Metric	Trend	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Asset Turnover		0.8	0.8	0.8	0.8	0.7	0.7	0.7	0.8	0.8	0.7	0.7	·
Receivables Turnover		7.3	6.4	5.9	5.9	5.8	5.6	5.1	5.4	5.4	5.4	5.4	·

Per Share 7

Annual Per Share data for JKHY
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Book Value / Share	$20.41	$17.67	$15.45	$13.29	$12.71	$14.96	$13.81	$12.27	$10.01	$9.68	$9.66	·
Revenue / Share	$32.52	$30.34	$28.42	$26.44	$23.24	$22.06	$20.07	$19.81	$18.29	$16.99	$15.39	$13.74
Cash Flow / Share	$8.78	$7.78	$5.22	$6.87	$6.11	$6.64	$5.57	$5.31	$4.57	$4.58	$4.58	$4.00
Cash / Share	·	·	·	·	$0.49	$2.06	$0.90	$0.30	$1.11	$0.68	$1.44	·
Dividend / Share	$2	$2	$2	$2	$2	$2	$2	$1	$1	$1	$1	$1
Dividend Paid / Share	·	·	·	·	·	·	·	·	·	·	·	$1
EPS (TTM)	$6.24	$5.23	$5.02	$4.94	$4.12	$3.86	$3.52	$4.70	$2.93	$3.12	$2.59	$2.19

Growth Rates 10

Annual Growth Rates data for JKHY
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue YoY	7.2%	6.6%	6.9%	10.5%	3.6%	·	·	·	·	·	·	·
Revenue CAGR 3Y	6.9%	8.0%	7.0%	·	·	·	·	·	·	·	·	·
Revenue CAGR 5Y	7.0%	·	·	·	·	·	·	·	·	·	·	·
EPS YoY	19.3%	4.2%	1.6%	19.9%	6.7%	·	·	·	·	·	·	·
EPS CAGR 3Y	8.1%	8.3%	9.2%	·	·	·	·	·	·	·	·	·
EPS CAGR 5Y	10.1%	·	·	·	·	·	·	·	·	·	·	·
Net Income YoY	19.4%	4.1%	1.0%	16.5%	5.0%	·	·	·	·	·	·	·
Net Income CAGR 3Y	7.9%	7.0%	7.3%	·	·	·	·	·	·	·	·	·
Net Income CAGR 5Y	9.0%	·	·	·	·	·	·	·	·	·	·	·
Dividend CAGR 5Y	5.3%	·	·	·	·	·	·	·	·	·	·	·

Valuation (TTM) 17

Annual Valuation (TTM) data for JKHY
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue TTM	$2.38B	$2.22B	$2.08B	$1.94B	$1.76B	$1.70B	$1.55B	$1.47B	$1.39B	$1.35B	$1.26B	$1.17B
Net Income TTM	$456M	$382M	$367M	$363M	$311M	$297M	$272M	$365M	$230M	$249M	$211M	$187M
Market Cap	$18.81B	$17.31B	$17.42B	$18.71B	$16.97B	$19.07B	$13.86B	$13.46B	$10.71B	$8.98B	$6.64B	$6.09B
Enterprise Value	·	·	·	·	$16.92B	$18.86B	$13.77B	·	·	·	·	·
P/E	28.9	31.7	33.3	36.4	39.7	47.7	38.0	27.7	35.5	28.0	25.0	27.1
P/S	7.9	7.8	8.4	9.6	9.7	11.2	8.9	9.2	7.7	6.6	5.3	5.2
P/B	8.8	9.4	10.8	13.5	12.9	12.3	9.7	10.6	10.4	9.0	6.7	·
P / Tangible Book	14.2	16.7	21.7	27.0	26.9	22.1	·	·	·	·	·	·
P / Cash Flow	29.3	30.5	45.6	37.1	36.7	37.4	32.1	32.7	30.0	24.6	17.8	17.8
P / FCF	32.0	33.9	50.9	39.8	38.6	41.7	36.7	36.2	34.0	29.1	20.8	19.7
EV / EBITDA	·	·	·	·	42.4	49.5	39.6	·	·	·	·	·
EV / FCF	·	·	·	·	38.5	41.3	36.5	·	·	·	·	·
EV / Revenue	·	·	·	·	9.6	11.1	8.9	·	·	·	·	·
Dividend Yield	0.88%	0.90%	0.85%	0.74%	0.79%	0.67%	0.86%	0.78%	0.86%	0.94%	1.1%	1.2%
Earnings Yield	3.5%	3.1%	3.0%	2.7%	2.5%	2.1%	2.6%	3.6%	2.8%	3.6%	4.0%	3.7%
Payout Ratio	36.1%	40.8%	40.2%	38.3%	43.0%	43.0%	43.7%	27.9%	37.3%	33.8%	36.2%	38.2%
Annual Payout	$165M	$156M	$147M	$139M	$134M	$127M	$119M	$105M	$92M	$84M	$76M	$71M

Income Statement 16

Quarterly Income Statement data for JKHY
Metric	Q3 2026	Q2 2025	Q1 2025	Q4 2025	Q3 2025	Q2 2024	Q1 2024	Q4 2024	Q3 2024	Q2 2023	Q1 2023	Q4 2023	Q3 2023	Q2 2022	Q1 2022	Q4 2022
Revenue	$636M	$619M	$645M	$615M	$585M	$574M	$601M	$560M	$539M	$546M	$571M	$535M	$509M	$505M	$529M	$483M
Cost of Revenue	$364M	$351M	$349M	$344M	$341M	$333M	$343M	$327M	$328M	$321M	$323M	$309M	$307M	$305M	$298M	$287M
R&D Expense	$45M	$42M	$39M	$43M	$39M	$41M	$40M	$40M	$36M	$35M	$37M	$38M	$35M	$37M	$33M	$34M
SG&A Expense	$72M	$67M	$73M	$73M	$66M	$77M	$67M	$67M	$62M	$70M	$79M	$63M	$58M	$57M	$57M	$58M
Operating Expenses	$481M	$460M	$461M	$460M	$446M	$451M	$450M	$434M	$426M	$427M	$439M	$410M	$400M	$398M	$388M	$379M
Operating Income	$155M	$159M	$184M	$156M	$139M	$123M	$151M	$126M	$112M	$119M	$133M	$124M	$108M	$107M	$141M	$104M
Interest Expense	·	·	·	·	·	·	·	·	·	$4M	$4M	·	$5M	$3M	$2M	·
Interest Income	$5M	$6M	$7M	$6M	$6M	$7M	$8M	$9M	$6M	$5M	$5M	$5M	$2M	$1M	$152.0K	$16.0K
Pretax Income	$159M	$164M	$190M	$160M	$142M	$127M	$157M	$130M	$114M	$120M	$133M	$124M	$106M	$105M	$139M	$103M
Income Tax	$36M	$40M	$46M	$32M	$31M	$30M	$38M	$29M	$27M	$28M	$32M	$26M	$25M	$24M	$33M	$22M
Net Income	$123M	$125M	$144M	$128M	$111M	$98M	$119M	$101M	$87M	$92M	$102M	$98M	$82M	$81M	$107M	$80M
EPS (Basic)	$1.71	$1.73	$1.98	$1.75	$1.53	$1.34	$1.63	$1.38	$1.20	$1.26	$1.40	$1.34	$1.12	$1.11	$1.46	$1.11
EPS (Diluted)	$1.71	$1.72	$1.97	$1.75	$1.52	$1.34	$1.63	$1.39	$1.19	$1.26	$1.39	$1.34	$1.12	$1.10	$1.46	$1.10
Shares (Basic)	71,767,000	72,267,000	72,751,000	-145,806,000	72,851,000	72,924,000	72,905,000	-145,712,000	72,872,000	72,838,000	72,869,000	-145,875,000	72,935,000	72,962,000	72,896,000	-147,107,000
Shares (Diluted)	71,978,000	72,413,000	72,909,000	-146,128,000	73,013,000	73,082,000	73,078,000	-146,004,000	73,031,000	72,984,000	73,014,000	-146,260,000	73,074,000	73,144,000	73,138,000	-147,372,000
EBITDA	$155M	$159M	$184M	·	$139M	$123M	$151M	·	$112M	$119M	$133M	·	$108M	$107M	$141M	·

Balance Sheet 27

Quarterly Balance Sheet data for JKHY
Metric	Q3 2026	Q2 2025	Q1 2025	Q4 2025	Q3 2025	Q2 2024	Q1 2024	Q4 2024	Q3 2024	Q2 2023	Q1 2023	Q4 2023	Q3 2023	Q2 2022	Q1 2022	Q4 2022
Cash & Equivalents	$21M	$28M	$36M	·	$40M	$26M	$43M	·	$27M	$27M	$31M	·	$27M	$26M	$32M	·
Receivables	$282M	$298M	$308M	$318M	$282M	$283M	$307M	$333M	$263M	$271M	$289M	·	$238M	$246M	$248M	·
Prepaid Expense	$201M	$202M	$211M	$180M	$188M	$190M	$191M	$169M	$159M	$179M	$164M	·	$153M	$128M	$135M	·
Current Assets	$595M	$616M	$652M	$681M	$593M	$580M	$635M	$632M	$523M	$554M	$563M	·	$488M	$469M	$485M	·
PP&E (Net)	$214M	$215M	$205M	$221M	$222M	$227M	$212M	$215M	$216M	$205M	$203M	·	$200M	$203M	$208M	·
PP&E (Gross)	·	·	·	$721M	·	·	·	$701M	·	·	·	·	·	·	·	·
Accum. Depreciation	$469M	$470M	$500M	$500M	$506M	$496M	$485M	$486M	$475M	$465M	$477M	·	$469M	$461M	$461M	·
Goodwill	$828M	$828M	$827M	$805M	$805M	$805M	$805M	$805M	$805M	$805M	$805M	·	$805M	$805M	$804M	·
Other Non-current Assets	$481M	$475M	$439M	$444M	$429M	$425M	$414M	$418M	$384M	$353M	$335M	·	$312M	$309M	$301M	·
Total Assets	$3.05B	$3.06B	$3.05B	$3.04B	$2.93B	$2.91B	$2.93B	$2.92B	$2.77B	$2.75B	$2.73B	·	$2.61B	$2.58B	$2.58B	·
Accounts Payable	$20M	$18M	$18M	$28M	$13M	$24M	$20M	$25M	$27M	$19M	$20M	·	$14M	$13M	$20M	·
Accrued Liabilities	$192M	$174M	$173M	$207M	$184M	$186M	$180M	$201M	$180M	$174M	$158M	·	$150M	$148M	$148M	·
Short-term Debt	·	·	·	·	·	·	·	·	·	·	·	·	$1.0K	$21.0K	$41.0K	·
Current Liabilities	$341M	$385M	$436M	$536M	$436M	$497M	$571M	$634M	$375M	$404M	$471M	·	$321M	$408M	$470M	·
Capital Leases	$37M	$39M	$40M	$42M	$44M	$46M	$49M	$51M	$53M	$55M	$38M	·	$36M	$38M	$40M	·
Deferred Tax	$340M	$310M	$279M	$240M	$231M	$235M	$239M	$244M	$229M	$228M	$234M	·	$256M	$265M	$280M	·
Other Non-current Liabilities	$64M	$64M	$63M	$64M	$72M	$72M	$73M	$74M	$70M	$70M	$53M	·	$48M	$50M	$51M	·
Total Liabilities	$916M	$857M	$874M	$913M	$896M	$936M	$1.00B	$1.08B	$991M	$1.03B	$1.07B	·	$1.07B	$1.07B	$1.12B	·
Long-term Debt	·	·	·	$0	$170M	$150M	$140M	$60M	·	·	·	·	·	·	·	·
Total Debt	$90M	$20M	$20M	·	$170M	$150M	$140M	·	·	·	·	·	$1.0K	$21.0K	$41.0K	·
Common Stock	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	$1M	·	$1M	$1M	$1M	·
Paid-in Capital	$677M	$665M	$655M	$652M	$643M	$633M	$623M	$620M	$610M	$602M	$591M	·	$574M	$565M	$560M	·
Retained Earnings	$3.64B	$3.56B	$3.47B	$3.37B	$3.29B	$3.22B	$3.16B	$3.08B	$3.02B	$2.97B	$2.92B	·	$2.80B	$2.75B	$2.71B	·
Treasury Stock	$2.18B	$2.02B	$1.96B	$1.90B	$1.90B	$1.88B	$1.86B	$1.86B	$1.85B	$1.85B	$1.85B	·	$1.83B	$1.81B	$1.81B	·
Stockholders' Equity	$2.13B	$2.20B	$2.17B	$2.13B	$2.04B	$1.98B	$1.93B	$1.84B	$1.78B	$1.72B	$1.66B	$1.61B	$1.54B	$1.51B	$1.46B	$1.38B
Liabilities + Equity	$3.05B	$3.06B	$3.05B	$3.04B	$2.93B	$2.91B	$2.93B	$2.92B	$2.77B	$2.75B	$2.73B	·	$2.61B	$2.58B	$2.58B	·
Shares Outstanding	104,569,731	104,541,919	104,512,857	104,415,989	104,394,809	104,370,424	104,332,023	104,245,089	104,222,732	104,181,060	104,144,549	104,088,784	104,060,645	104,027,008	103,953,128	103,921,724

Cash Flow 12

Quarterly Cash Flow data for JKHY
Metric	Q3 2026	Q2 2025	Q1 2025	Q4 2025	Q3 2025	Q2 2024	Q1 2024	Q4 2024	Q3 2024	Q2 2023	Q1 2023	Q4 2023	Q3 2023	Q2 2022	Q1 2022	Q4 2022
Stock-based Comp	$8M	$8M	$6M	$6M	$7M	$9M	$7M	$6M	$7M	$8M	$7M	$7M	$7M	$8M	$7M	$5M
Operating Cash Flow	$186M	$153M	$121M	$327M	$108M	$90M	$117M	$232M	$98M	$82M	$157M	$175M	$16M	$54M	$137M	$203M
CapEx	$17M	$21M	$9M	$12M	$12M	$17M	$13M	$24M	$10M	$17M	$8M	$12M	$10M	$10M	$8M	$6M
Investing Cash Flow	$-64M	$-57M	$-99M	$-56M	$-57M	$-61M	$-59M	$-76M	$-54M	$-60M	$-51M	$-54M	$-54M	$-52M	$-250M	$-51M
Stock Issued	$3M	$2M	$3M	$3M	$3M	$2M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$2M	$3M	$3M
Stock Repurchased	$159M	$63M	$62M	$-1.0K	$18M	$17M	$0	$8M	$0	$0	$20M	$0	$25M	$0	$0	$0
Net Stock Activity	·	·	$-59M	·	·	·	$3M	·	·	·	$-17M	·	·	·	$3M	·
Dividends Paid	$43M	$42M	$42M	$42M	$42M	$40M	$40M	$40M	$40M	$38M	$38M	$38M	$38M	$36M	$36M	$36M
Financing Cash Flow	$-129M	$-103M	$-88M	$-209M	$-37M	$-46M	$-53M	$-145M	$-43M	$-26M	$-87M	$-135M	$39M	$-8M	$96M	$-143M
Taxes Paid	$4M	$9M	$16M	·	$29M	$63M	$3M	·	$19M	$49M	$3M	·	$66M	$34M	$3M	·
Free Cash Flow	·	·	$112M	·	·	·	$104M	·	·	·	$150M	·	·	·	$129M	·
Levered FCF	·	·	·	·	·	·	·	·	·	·	$146M	·	·	·	$128M	·

Profitability 7

Quarterly Profitability data for JKHY
Metric	Q3 2026	Q2 2025	Q1 2025	Q4 2025	Q3 2025	Q2 2024	Q1 2024	Q4 2024	Q3 2024	Q2 2023	Q1 2023	Q4 2023	Q3 2023	Q2 2022	Q1 2022	Q4 2022
Operating Margin	24.4%	25.7%	28.5%	·	23.7%	21.4%	25.2%	·	20.8%	21.8%	23.2%	·	21.3%	21.2%	26.6%	·
Net Margin	19.3%	20.1%	22.3%	·	19.0%	17.1%	19.8%	·	16.2%	16.9%	17.8%	·	16.0%	16.0%	20.1%	·
Pretax Margin	24.9%	26.5%	29.5%	·	24.2%	22.2%	26.1%	·	21.2%	22.0%	23.3%	·	20.9%	20.8%	26.3%	·
EBITDA Margin	24.4%	25.7%	28.5%	·	23.7%	21.4%	25.2%	·	20.8%	21.8%	23.2%	·	21.3%	21.2%	26.6%	·
ROA	4.1%	4.2%	4.8%	·	3.9%	3.5%	4.2%	·	3.2%	3.5%	3.8%	·	3.3%	3.3%	4.4%	·
ROE	5.9%	6.0%	7.0%	·	5.8%	5.3%	6.7%	·	5.2%	5.7%	6.5%	·	5.7%	5.8%	7.5%	·
ROIC	5.4%	5.4%	6.3%	·	4.9%	4.5%	5.6%	·	4.8%	5.3%	6.1%	·	5.4%	5.5%	7.4%	·

Liquidity & Solvency 5

Quarterly Liquidity & Solvency data for JKHY
Metric	Q3 2026	Q2 2025	Q1 2025	Q4 2025	Q3 2025	Q2 2024	Q1 2024	Q4 2024	Q3 2024	Q2 2023	Q1 2023	Q4 2023	Q3 2023	Q2 2022	Q1 2022	Q4 2022
Current Ratio	1.7	1.6	1.5	·	1.4	1.2	1.1	·	1.4	1.4	1.2	·	1.5	1.2	1.0	·
Quick Ratio	0.9	0.8	0.8	·	0.7	0.6	0.6	·	0.8	0.7	0.7	·	0.8	0.7	0.6	·
Debt / Equity	0.0	0.0	0.0	·	0.1	0.1	0.1	·	·	·	·	·	0.0	0.0	0.0	·
LT Debt / Equity	0.0	0.0	0.0	·	0.0	0.0	0.0	·	·	·	·	·	·	·	·	·
Interest Coverage	·	·	·	·	·	·	·	·	·	30.8	31.6	·	23.2	31.5	89.3	·

Efficiency 2

Quarterly Efficiency data for JKHY
Metric	Trend	Q3 2026	Q2 2025	Q1 2025	Q4 2025	Q3 2025	Q2 2024	Q1 2024	Q4 2024	Q3 2024	Q2 2023	Q1 2023	Q4 2023	Q3 2023	Q2 2022	Q1 2022	Q4 2022
Asset Turnover		0.2	0.2	0.2	·	0.2	0.2	0.2	·	0.2	0.2	0.2	·	0.2	0.2	0.2	·
Receivables Turnover		2.3	2.1	2.1	·	2.1	2.1	2.0	·	2.1	2.1	2.1	·	2.2	2.1	2.1	·

Per Share 6

Quarterly Per Share data for JKHY
Metric	Q3 2026	Q2 2025	Q1 2025	Q4 2025	Q3 2025	Q2 2024	Q1 2024	Q4 2024	Q3 2024	Q2 2023	Q1 2023	Q4 2023	Q3 2023	Q2 2022	Q1 2022	Q4 2022
Book Value / Share	$20.42	$21.07	$20.79	·	$19.51	$18.93	$18.45	·	$17.08	$16.55	$15.94	·	$14.78	$14.53	$14.06	·
Revenue / Share	$8.84	$8.55	$8.84	·	$8.01	$7.85	$8.22	·	$7.37	$7.48	$7.83	·	$6.96	$6.91	$7.24	·
Cash Flow / Share	·	·	$1.65	·	·	·	$1.60	·	·	·	$2.15	·	·	·	$1.87	·
Cash / Share	$0.20	$0.27	$0.35	·	$0.38	$0.25	$0.41	·	$0.26	$0.26	$0.30	·	$0.26	$0.25	$0.31	·
Dividend / Share	$1	$1	$1	$1	$1	$1	$1	$1	$1	$1	$1	$1	$1	$0	$0	$0
EPS (TTM)	$6.92	$6.55	$6.46	·	$5.68	$5.42	$5.47	·	$4.96	$4.87	$5.07	·	$4.84	$5.02	$5.30	·

Valuation (TTM) 15

Quarterly Valuation (TTM) data for JKHY
Metric	Q3 2026	Q2 2025	Q1 2025	Q4 2025	Q3 2025	Q2 2024	Q1 2024	Q4 2024	Q3 2024	Q2 2023	Q1 2023	Q4 2023	Q3 2023	Q2 2022	Q1 2022	Q4 2022
Revenue TTM	$2.49B	$2.42B	$2.40B	·	$2.30B	$2.26B	$2.26B	·	$2.16B	$2.13B	$2.11B	·	$2.02B	$2.01B	$1.99B	·
Net Income TTM	$503M	$478M	$472M	·	$415M	$396M	$400M	·	$362M	$356M	$371M	·	$354M	$368M	$389M	·
Market Cap	$16.53B	$19.08B	$15.57B	·	$19.06B	$18.30B	$18.42B	·	$18.11B	$17.02B	$15.74B	·	$15.68B	$18.26B	$18.95B	·
Enterprise Value	$16.60B	$19.07B	$15.55B	·	$19.19B	$18.42B	$18.52B	·	·	·	·	·	$15.66B	$18.24B	$18.92B	·
P/E	22.8	27.9	23.1	·	32.1	32.3	32.3	·	35.0	33.6	29.8	·	31.1	35.0	34.4	·
P/S	6.6	7.9	6.5	·	8.3	8.1	8.2	·	8.4	8.0	7.4	·	7.8	9.1	9.5	·
P/B	7.7	8.7	7.2	·	9.4	9.3	9.6	·	10.2	9.9	9.5	·	10.2	12.1	13.0	·
P / Tangible Book	12.6	13.9	11.6	·	15.5	15.6	16.4	·	18.6	18.5	18.4	·	21.4	25.9	28.8	·
P / Cash Flow	·	·	129.1	·	·	·	157.6	·	·	·	100.2	·	·	·	138.5	·
P / FCF	·	·	139.3	·	·	·	176.9	·	·	·	105.3	·	·	·	146.8	·
EV / EBITDA	107.0	119.8	84.5	·	138.3	149.8	122.4	·	·	·	·	·	144.5	169.8	134.4	·
EV / FCF	·	·	139.2	·	·	·	177.9	·	·	·	·	·	·	·	146.5	·
EV / Revenue	6.7	7.9	6.5	·	8.4	8.2	8.2	·	·	·	·	·	7.7	9.1	9.5	·
Earnings Yield	4.4%	3.6%	4.3%	·	3.1%	3.1%	3.1%	·	2.9%	3.0%	3.4%	·	3.2%	2.9%	2.9%	·
Payout Ratio	·	·	29.3%	·	·	·	33.7%	·	·	·	37.2%	·	·	·	33.5%	·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement

	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Revenue	$2.38B	$2.22B	$2.08B	$1.94B	$1.76B
Operating Margin %	23.9%	22.1%	23.1%	24.4%	22.7%
Net Income	$456M	$382M	$367M	$363M	$311M
Diluted EPS	$6.24	$5.23	$5.02	$4.94	$4.12

Balance Sheet

	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Debt / Equity	0.0	0.1	0.0	0.0	0.0
Current Ratio	1.3	1.0	1.2	1.1	1.0
Quick Ratio	0.6	0.5	0.7	0.6	0.7

Cash Flow

	2025-06-30	2024-06-30	2023-06-30	2022-06-30	2021-06-30
Free Cash Flow	$588M	$510M	$342M	$470M	$439M

Latest News Recent headlines mentioning this company

Is Jack Henry & Associates (JKHY) a High-Quality Compounder? Yahoo Finance · 4 weeks, 1 day ago

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10-Year Performance Revenue, net income, margins and EPS trends

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Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

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Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

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Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Latest News Recent headlines mentioning this company

Trading Signals Recent buy/sell signals with entry price and risk/reward ratio

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