Jack Henry & Associates JKHY
United StatesTechnology · Information Technology ServicesUSD
189.72 USD (+30.2%)
18 analysts
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Jack Henry & Associates is a provider of software and information technology services for the US banking and financial sector, with a business model based on recurring subscriptions and processing services.
Key points
from its scores- ✓Favourable backdrop8.2
- ✓High-quality business7.5
- ✓Very solid balance sheet7.1
- ✕Weak growth4.0
AI analysis
bottom line, main risk, context and newsBusiness quality and balance sheet justify the position, but the earnings decline and moderate growth limit short-term revaluation potential.
Jack Henry presents a very solid balance sheet (Net Debt/EBITDA of 0.09) and excellent profitability (ROE of 24.04%, ROIC of 26.87%), but earnings growth is negative (-10.40%) and valuation is not particularly attractive (P/E of 20.87). It is a high-quality company with moderate growth, suitable for defensive profiles.
The main risk is the slowdown in earnings growth (-10.40%), which could reflect competitive pressure or a moderation in banking clients' technology spending.
Context and risks
No relevant recent news and no material exposure to current macro factors. The banking software and IT services business has a solid balance sheet (Net Debt/EBITDA of 0.09) and does not depend on commodities or conflict maritime routes. The rise in long-term US rates does not materially affect a company with net cash and stable margins.
Is Jack Henry & Associates stock cheap or expensive?
at the analysis dateOn P/E and EV / EBITDA, it trades 31% below the Technology median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 20.9 | 31.3 | −33% |
| EV / EBITDA | 14.6 | 20.4 | −28% |
| Price / book | 5.0 | 6.3 | −21% |
| Price / sales | 4.0 | 5.3 | −24% |
Sector: median of the 283 Technology companies analysed. In bold, the multiples used for the comparison.
Valuation score: 6.2 out of 10 (median for Technology: 5.3).
Average analyst target: 189.72 USD, +30.2% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 7.1 (sector 6.9), Growth 4.0 (sector 7.5).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Technology medianValuation
- P/E
- 20.9
- Forward P/E
- 18.4
- EV / EBITDA
- 14.6
- Price / book
- 5.0
- Price / sales
- 4.0
- PEG
- 1.76
- Market cap
- 10.2B USD
- Enterprise value
- 10.3B USD
Profitability
- ROE
- 24.0%
- ROA
- 13.0%
- ROIC (approx.)
- 26.9%
- Gross margin
- 43.9%
- Operating margin
- 22.5%
- Net margin
- 19.8%
- Free cash flow
- 352.2M USD
- FCF yield
- 3.4%
- Cash conversion
- 50%
Solvency
- Total debt
- 77.8M USD
- Net debt
- 65.8M USD
- Cash
- 12.1M USD
- EBITDA
- 702.2M USD
- Net debt / EBITDA
- 0.09
- Debt / equity
- 3.79
- Current ratio
- 1.17
- Quick ratio
- 0.73
Growth
- Revenue growth
- +4.7%
- Earnings growth
- −10.4%
- EPS (TTM)
- 6.98 USD
- EPS (forward)
- 7.90 USD
Dividend
- Dividend yield
- 1.7%
- Payout
- 34.1%
Risk and market
- Beta
- 0.56
- Analyst consensus
- Buy (18)
- Target price
- 189.72 USD
- 52-week range
- 121.04 – 193.39
Recent news
All JKHY news →Compare it with its sector
All 283 in Technology →Frequently asked questions about Jack Henry & Associates
Is Jack Henry & Associates stock cheap or expensive?
On P/E and EV / EBITDA, it trades 31% below the Technology median on average. Valuation score: 6.2 out of 10 (median for Technology: 5.3). Average analyst target: 189.72 USD, +30.2% versus the price. This is not investment advice.
What score does Jack Henry & Associates get on MeridIAn Screener?
It scores 6.7 out of 10, rank 390 of 2,130 (better than 80% of the companies analysed). Its strongest category is Risk & Context (8.2) and its weakest, Growth (4.0). Analysis of 08/10/2026.
What is Jack Henry & Associates's P/E ratio?
Its P/E is 20.9: the share price equals 20.9 times earnings per share over the last 12 months. The Technology median is 31.3. Based on the earnings analysts expect, the forward P/E is 18.4.
How much is Jack Henry & Associates worth on the stock market?
Its market capitalisation is 10.2B USD and its enterprise value, debt included, is 10.3B USD.
How much debt does Jack Henry & Associates have?
Its net debt (debt minus cash) is 65.8M USD. That is 0.09 times its EBITDA; the Technology median is 0.20.
Does Jack Henry & Associates pay a dividend?
Yes: its dividend yield is 1.67% and it pays out 34% of its earnings.
How has Jack Henry & Associates stock performed over the last year?
It has fallen 2.4% over the last year, excluding dividends. Over the last 52 weeks it has traded between 121.04 and 193.39 USD. Past performance does not guarantee future results.
What do analysts think of Jack Henry & Associates?
18 analysts cover it; their average recommendation is “Buy” and their average target is 189.72 USD (+30.2% versus the price). It is an estimate, not market data.