JKHY

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Jack Henry & Associates, Inc.

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Key Metrics

Previous Close: $163.06
52-Week Range: $121.04 – $193.39
Market Cap: $11.73B
P/E (TTM): 23.65
EPS (TTM): 6.98
Dividend Yield: 1.44%

Advanced Metrics

Price/Book: 5.51
PEG Ratio: 2.20
Return on Equity: 23.57%
Return on Assets: —
Gross Margin: 43.90%
Operating Margin: 21.66%
Profit Margin: 19.76%
Current Ratio: —
Debt/Equity: 0.06
Total Debt: $136.59M
Free Cash Flow: —
Revenue Growth: 4.70%
Earnings Growth: -10.20%
Enterprise Value: $11.85B

JKHY Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.94B	$2.08B	$2.22B	$2.38B
Cost of Revenue	$1.13B	$1.22B	$1.30B	$1.36B
Gross Profit	$814.27M	$858.64M	$916.07M	$1.01B
Research & Development	$121.36M	$142.68M	$148.26M	$162.77M
Selling, General & Admin	$218.30M	$235.27M	$278.42M	$283.06M
Operating Expenses	$339.65M	$377.95M	$426.68M	$445.83M
Operating Income	$474.62M	$480.69M	$489.39M	$568.72M
EBITDA	$652.27M	$680.37M	$714.31M	$801.23M
Pretax Income	$472.27M	$474.57M	$498.02M	$586.04M
Income Tax	$109.35M	$107.93M	$116.20M	$130.29M
Net Income	$362.92M	$366.65M	$381.82M	$455.75M
Diluted EPS	4.94	5.02	5.23	6.24
Diluted Shares	73.49M	73.10M	73.03M	73.05M

JKHY Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$48.79M	$12.24M	$38.28M	$101.95M
Receivables	$361.89M	$368.77M	$339.18M	$317.98M
Current Assets	$613.52M	$627.96M	$632.02M	$681.46M
Total Assets	$2.46B	$2.77B	$2.92B	$3.04B
Current Liabilities	$543.83M	$523.76M	$633.81M	$535.78M
Long-Term Debt	$115.00M	$275.00M	$60.00M	—
Total Debt	$115.07M	$275.00M	$150.00M	—
Total Liabilities	$1.07B	$1.17B	$1.08B	$913.14M
Retained Earnings	$2.64B	$2.86B	$3.08B	$3.37B
Shareholders' Equity	$1.38B	$1.61B	$1.84B	$2.13B
Working Capital	$69.69M	$104.20M	-$1.80M	$145.68M
Net Debt	$66.28M	$262.76M	$111.72M	—

JKHY Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$504.63M	$381.56M	$568.04M	$641.50M
Capital Expenditure	-$191.39M	-$206.98M	-$232.42M	-$231.17M
Free Cash Flow	$313.24M	$174.57M	$335.62M	$410.34M
Depreciation & Amortisation	$177.62M	$190.73M	$199.90M	$204.75M
Stock-Based Compensation	$24.78M	$28.61M	$28.87M	$28.39M
Investing Cash Flow	-$196.34M	-$409.67M	-$240.16M	-$232.16M
Financing Cash Flow	-$310.49M	-$8.43M	-$301.83M	-$345.67M
Dividends Paid	-$139.07M	-$147.24M	-$155.88M	-$164.64M
Share Repurchases	-$193.92M	-$25.00M	-$28.05M	-$35.05M
Net Change in Cash	-$2.21M	-$36.54M	$26.04M	$63.67M

JKHY Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$585.09M	$615.37M	$644.74M	$619.33M	$636.25M
Cost of Revenue	$340.59M	$343.88M	$348.57M	$350.99M	$363.92M
Gross Profit	$244.50M	$271.49M	$296.17M	$268.35M	$272.32M
Research & Development	$39.41M	$42.58M	$39.28M	$42.23M	$45.11M
Selling, General & Admin	$66.35M	$73.22M	$72.83M	$66.97M	$72.17M
Operating Expenses	$105.76M	$115.80M	$112.11M	$109.20M	$117.28M
Operating Income	$138.74M	$155.70M	$184.06M	$159.15M	$155.05M
EBITDA	$195.65M	$213.54M	$243.10M	$218.49M	$213.57M
Pretax Income	$141.91M	$159.95M	$190.32M	$164.19M	$158.54M
Income Tax	$30.80M	$32.34M	$46.33M	$39.52M	$35.65M
Net Income	$111.11M	$127.60M	$143.99M	$124.67M	$122.89M
Diluted EPS	1.52	1.75	1.97	1.72	1.71
Diluted Shares	73.01M	73.00M	72.91M	72.41M	71.98M

JKHY Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$39.87M	$101.95M	$36.24M	$28.22M	$20.57M
Receivables	$282.16M	$317.98M	$308.43M	$300.89M	$286.00M
Current Assets	$593.24M	$681.46M	$651.65M	$615.83M	$594.84M
Total Assets	$2.93B	$3.04B	$3.05B	$3.06B	$3.05B
Current Liabilities	$435.62M	$535.78M	$436.13M	$384.93M	$341.13M
Long-Term Debt	$80.00M	—	$20.00M	$20.00M	$90.00M
Total Debt	$170.00M	—	$20.00M	$20.00M	$90.00M
Total Liabilities	$895.59M	$913.14M	$874.24M	$856.99M	$915.75M
Retained Earnings	$3.29B	$3.37B	$3.47B	$3.56B	$3.64B
Shareholders' Equity	$2.04B	$2.13B	$2.17B	$2.20B	$2.13B
Working Capital	$157.61M	$145.68M	$215.52M	$230.90M	$253.71M
Net Debt	$130.13M	—	—	—	$69.43M

JKHY Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$107.85M	$327.11M	$120.59M	$152.66M	$186.03M
Capital Expenditure	-$56.52M	-$55.85M	-$58.59M	-$66.90M	-$64.13M
Free Cash Flow	$51.33M	$271.26M	$62.00M	$85.77M	$121.90M
Depreciation & Amortisation	$51.01M	$51.49M	$51.89M	$53.16M	$53.65M
Stock-Based Compensation	$6.87M	$5.98M	$6.32M	$8.44M	$8.20M
Investing Cash Flow	-$56.52M	-$55.85M	-$98.50M	-$57.30M	-$64.34M
Financing Cash Flow	-$37.12M	-$209.18M	-$87.80M	-$103.38M	-$129.34M
Dividends Paid	-$42.27M	-$42.18M	-$42.15M	-$41.83M	-$43.48M
Share Repurchases	-$18.00M	$1.00K	-$62.05M	-$63.19M	-$159.18M
Net Change in Cash	$14.22M	$62.08M	-$65.71M	-$8.02M	-$7.64M

Market Snapshot

About

Jack Henry & Associates, Inc. is a leading provider of technology solutions and payment processing services primarily to financial institutions. The company offers core banking systems, digital banking platforms, payment processing solutions, and complementary services to community and regional banks and credit unions. Jack Henry provides integrated software solutions that help financial institutions improve operational efficiency, enhance customer experience, and manage regulatory compliance. The company serves thousands of financial institutions across the United States with both on-premise and cloud-based technology solutions.