Is Jack Henry & Associates (JKHY) overvalued or fairly valued?

MarketChacha shows Jack Henry & Associates's valuation in context — a trailing P/E of about 23.9, a forward P/E of about 21.2, a price-to-book of about 5.7 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Jack Henry & Associates's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.32×) from reported figures — education, not a rating.

What is Jack Henry & Associates's revenue?

Jack Henry & Associates reported revenue of $2.4B for FY2025, with net profit of $455.7M, per official filings.

What is the share price of Jack Henry & Associates (JKHY)?

Jack Henry & Associates last traded at $165.64 (-1.6% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Jack Henry & Associates

JKHY · NASDAQ · Financials · United States

Snapshot

TickerJKHY

ExchangeNASDAQ

SectorFinancials

IndustryInformation Technology Services

CountryUnited States

Employees7,300

HeadquartersMonett, United States

Websitewww.jackhenry.com

Filings tracked17

About Jack Henry & Associates

Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate Services. The Core segment provides core information processing platforms to banks and credit unions, which consists of integrated applications required to process deposit, loan, general ledger transactions, and maintain centralized accountholder information. The Payments segment offers secure payment processing tools and services, including ATM, money movement and embedded payment capabilities, remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions. The Complementary segment provides software, and hosted processing platforms and services comprising digital/mobile banking, treasury, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate Services segment offers hardware and other products. It offers specialized financial performance, imaging and payment, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. The company also provides SilverLake system, a system primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks; and Symitar, a system designed for credit unions. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and services; and data and transaction processing, and software licensing and related services, as well as professional services. The company was founded in 1976 and is headquartered in Monett, Missouri.

Who owns it

Insiders0.6%
Institutions99.4%
Public & other0.0%

1,009 institutional holders

Ownership breakdown from public market data.

Top holders

Kayne Anderson Rudnick Investment Management LLC7.44%
Blackrock Inc.7.31%
Vanguard Capital Management LLC6.62%
State Street Corporation5.28%
Vanguard Portfolio Management LLC5.08%
Geode Capital Management, LLC3.93%
Morgan Stanley3.39%
Arrowstreet Capital, Limited Partnership3.00%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.32×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend17.6% → 19.2%

Margin has expanded by about 1.5 points — the business is getting more profitable.

Return on equity21.4%

Latest ROE of 21.4% — capital is generating a healthy return.

Growth qualityrev 7% · PAT 11%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $658.1M · EPS 1.76

Est. earnings growth +6.1%

Next fiscal year

Rev $2.9B · EPS 7.84

Est. earnings growth +8.5%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$2.4B

Net margin

19.2%

ROE

21.4%

Revenue CAGR (2y)

+6.9%

Profit CAGR (2y)

+11.5%

EPS (FY2025)

6.24

Net profit (FY2025)

$455.7M

Ask MarketChacha about JKHY

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$2.4B	$455.7M	6.24	19.2%	21.4%
FY2024	$2.2B	$381.8M	5.23	17.2%	20.7%
FY2023	$2.1B	$366.6M	5.02	17.6%	22.8%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$636.2M	$122.9M	1.71	19.3%
2025Q4	$619.3M	$124.7M	1.72	20.1%
2025Q3	$644.7M	$144.0M	1.97	22.3%
2025Q1	$585.1M	$111.1M	1.52	19.0%
2024Q4	$573.8M	$97.8M	1.34	17.1%
2024Q3	$601.0M	$119.2M	1.63	19.8%
2024Q1	$538.6M	$87.1M	1.19	16.2%
2023Q4	$545.7M	$92.0M	1.26	16.9%
2023Q3	$571.4M	$101.7M	1.39	17.8%
2023Q1	$508.6M	$81.5M	1.12	16.0%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC6/4/2026material
8-K — Other events, Exhibits
SEC5/12/2026material
10-Q — 10-Q - JKHY - 2026.03.31 - Q3 FY2026
SEC5/7/2026
8-K — Results of operations, Exhibits
SEC5/5/2026material
8-K — Results of operations, Exhibits
SEC4/28/2026material
8-K — Material agreement, Termination of agreement, Material financial obligation, Exhibits
SEC3/26/2026material
10-Q — 10-Q - JKHY - 2025.12.31 - Q2 FY2026
SEC2/6/2026
8-K — Results of operations, Exhibits
SEC2/3/2026material
8-K — Results of operations, Exhibits
SEC1/27/2026material

2025

8-K — Executive/director change, Shareholder vote results, Exhibits
SEC11/14/2025material
10-Q — 10-Q - JKHY - 2025.09.30 - Q1 FY2026
SEC11/7/2025
8-K — Results of operations, Exhibits
SEC11/4/2025material
8-K — Results of operations, Exhibits
SEC10/28/2025material
8-K — Executive/director change, Exhibits
SEC8/27/2025material
10-K — 10-K - JKHY - 2025.06.30 FY2025
SEC8/25/2025
8-K — Results of operations, Exhibits
SEC8/19/2025material
8-K — Results of operations, Exhibits
SEC8/11/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.