Stock Analysis
Henry (Jack) & AssociatesJKHY
P/E 20.69×· 5Y range 17.22–43.81×· bottom 5% of history
Sector: Technology · Industry: Services-Computer Integrated Systems Design
AnalystsStrong Buy23 analystsP/E 20.7× sits at the 5th percentile of its 5.086926762491444-year history.
Cash covers 141% of debt · Q2 2026.
PMP Verdict
Strong business, attractive price
Strengths
- Quality97
- Financial Health93
Risks
- Growth41
High-quality business at an attractive price.
Market context
-2.1% today· Z 1.7σ· B of A Securities reinstated a Neutral rating with a $165 price target, weighing on investor sentiment.
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
- ✓Altman Z 10.3 — safe-zone balance sheet
- ✓ROE 23.6% — efficient capital deployment
- ✓Interest coverage 31.2× — debt well covered
- ✓P/E 20.7× at bottom 5% of 5-year history
Why is JKHY moving?
SectorB of A Securities reinstated a Neutral rating with a $165 price target, weighing on investor sentiment.
Profile
Strong earnings quality, financial health, profitability, moat and valuation; growth lags behind.
How is each axis scored?
- Valuation77/100 · Strong
- P/E vs own history (5th pct)25/25
- FCF yield (6.8%)20/25
- P/S (4.3x)20/25
- EV/EBIT (16.4x)12/25
- Growth41/100 · Weak
- Revenue CAGR (7.0%)12/25
- Net income CAGR (8.5%)12/25
- EPS CAGR 5Y (9.0%)12/25
- Fwd implied growth (4.4%)5/25
- Profitability90/100 · Strong
- ROIC (23.5%)20/25
- ROE (23.6%)20/25
- Net margin (20.6%)25/25
- Operating margin (26.0%)25/25
- Financial Health93/100 · Strong
- Altman Z (10.29)25/25
- Current ratio (1.60)18/25
- Interest coverage (31.2x)25/25
- Net cash / debt (Net cash)25/25
- Quality97/100 · Strong
- Piotroski F (7/9)22/25
- Beneish M (-7.86)25/25
- FCF conversion (140%)25/25
- Margin stability (σ 1.6%)25/25
- Moat88/100 · Strong
- ROIC >12% years (9/9 yrs)25/25
- Median gross margin (41.6%)13/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 17.2%)25/25
About Henry (Jack) & Associates
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. Show more
Jack Henry serves almost 1,000 banks and over 700 credit unions.
Headquarters: MONETT, MO · Employees: 7,300 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
77B+P/E (TTM)20.7xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 17.2x–43.8x · 5th pct
P/FCF21.7xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.8%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 2.9%–8.1% · 95th pct
P/S (TTM)4.27xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 3.6x–8.1x · 5th pct
EV/EBIT16.4xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 13.8x–34.3x · 5th pct
EV/Sales4.3xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E19.8xB
Grade B: FairPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio4.88xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.46C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.55%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio33.9%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
90A+ROIC23.5%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE23.6%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA16.4%A
Grade A: StrongReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin20.6%A
Grade A: HighNet Income / Revenue
Operating Margin26.0%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin44.1%C
Grade C: AverageGross Profit / Revenue
FCF Margin28.9%A
Grade A: HighFCF / Revenue
True FCF Margin27.8%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
41D+Revenue CAGR7.0%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR8.5%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)9.0%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth4.4%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-7.3%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income5.6%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.2%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
93A+Altman Z-Score10.29A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.60xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio0.89xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage31.2xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBITNet CashA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.01xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt1.41xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
97A+Piotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-7.86A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion140.2%A
Grade A: StrongFCF / Net Income
Margin Stability1.6%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue2.3%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.83xC
Grade C: AverageRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Preece Richard Filed | Preece Richard | Grant / award | +270 | |
McLachlan Shanon G. Filed | McLachlan Shanon G. | Grant / award | +462 | |
McLachlan Shanon G. Filed | McLachlan Shanon G. | Tax withholding | -73 | |
McLachlan Shanon G. Filed | McLachlan Shanon G. | Grant / award | +196 | |
McLachlan Shanon G. Filed | McLachlan Shanon G. | Tax withholding | -68 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
McLachlan Shanon G. Filed | McLachlan Shanon G. | Grant / award | +183 | |
McLachlan Shanon G. Filed | McLachlan Shanon G. | Tax withholding | -31 | |
McLachlan Shanon G. Filed | McLachlan Shanon G. | Grant / award | +83 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
88AROIC >12% Years9/9 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)41.6%C
Grade C: ModerateMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor17.2%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$7.40
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$0.17
Cash & short-term investments per share (Finnhub)
Book Value / Share$29.28
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$20.00M
Total debt obligations (short + long term)
Cash & Equiv.$28.22M
Cash and short-term investments
Net Debt$-8.22MA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$2.20B
Shareholders' equity (book value)
Asset / Liability3.57xA
Grade A: SolidTotal Assets / Total Liabilities
Market
Market Cap$10.74B
Current Market Capitalization
Beta0.56B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Henry (Jack) & Associates (JKHY)
JKHY is down 2.10% at the last close — B of A Securities reinstated a Neutral rating with a $165 price target, weighing on investor sentiment.. Henry (Jack) & Associates meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 10.29 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -7.86 suggests a low likelihood of earnings manipulation.
- Henry (Jack) & Associates converts about 29% of revenue into free cash flow — strong cash generation.
- Company is effectively debt-free after netting cash.
- At a valuation score of 77/100, JKHY trades near the cheapest end of its own historical range (P/E 20.7).
- Return on equity of 23.6% is well above the market average.
See how JKHY ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all JKHY moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 8 | After-hours | 150.80 | +3.51% | 2.04 |
Frequently Asked Questions about JKHY
What is the current Henry (Jack) & Associates (JKHY) stock price?
JKHY is trading at $153.19 at the last market close, down 2.10% on the session. PreMarketPrice tracks JKHY pre-market, intraday and after-hours prices.
Is JKHY stock a buy right now?
PreMarketPrice's quantitative model rates Henry (Jack) & Associates's financial health at 93/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is JKHY stock overvalued?
Henry (Jack) & Associates trades at a trailing P/E of 20.7 and our valuation score rates it 77/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Henry (Jack) & Associates report earnings?
No confirmed earnings date is currently scheduled for JKHY. The Earnings section lists recent reports and updates as dates are announced.
What sector does Henry (Jack) & Associates operate in?
Henry (Jack) & Associates operates in the Technology sector, within the Services-Computer Integrated Systems Design industry. The Related Stocks section lists sector peers for comparison.
What does Henry (Jack) & Associates do?
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.
About Henry (Jack) & Associates (JKHY) Stock
Henry (Jack) & Associates (JKHY) is a US-listed stock operating in the Technology sector, specifically the Services-Computer Integrated Systems Design industry. As of the latest update, Henry (Jack) & Associates is trading at $153.19, down 2.10% on the day with a market capitalization of $10.7 billion. The financial health score for JKHY is 93/100, which indicates excellent financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for JKHY stock.
JKHY Stock Analysis & Key Metrics
On PreMarketPrice, you can track Henry (Jack) & Associates (JKHY) across multiple dimensions:
- Pre-market price & movement: Real-time JKHY stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for JKHY with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Henry (Jack) & Associates across multiple reporting periods.
- Financial health score: A composite score of 93/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for JKHY.
- Sector peers: Compare JKHY against 6 other technology stocks on key financial metrics.
Is JKHY a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Henry (Jack) & Associates (JKHY) as an investment. The financial health score of 93/100 suggests excellent financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Henry (Jack) & Associates (JKHY) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.