JKHY Jack Henry & Associates Inc.
Loading price history…
Daily prices, adjusted for splits. P/E and P/S value each day on the results published by then; a gap in P/E means the trailing year had no profit.
Information Technology Services · Monett, MO · 7,300 employees · jackhenry.com
Jack Henry & Associates provides technology infrastructure and payment processing systems to banks and credit unions across the United States. Its offerings include core transaction and ledger platforms, digital banking systems, and electronic payment solutions. The firm generates revenue by hosting applications, processing data and payments, licensing software, and delivering technical support services.
Bull case
The company converts a solid share of its revenue into free cash flow after stock compensation is taken into account. It also maintains a wide economic moat, generating returns on capital that run comfortably above its financing costs.
- Trades at the 8th percentile of its own valuation history.
- The price assumes about +4% a year cash-flow growth; it delivered +28% a year over three years.
- Turns 26% of revenue into free cash after stock pay.
- Returns on capital run well above its cost of capital.
Bear case
The measurements do not currently make an active case against the business, although artificial intelligence tools could potentially replicate a minor portion of the services it sells.
- The share price trend is still falling.
Features
- V-DEEP-VALUE Deep value The price is 42% below its own-history reference value.
- V-WIDE-MOAT Wide moat Returns on capital run well above its cost of capital.
- F-UPSIDE Analyst upside Analysts' average target is 27% above the price.
AI impact
AI is not material to it Not material
Jack Henry sells financial software and payment platforms that incorporate automated tools and predictive features. While the company's reports do not show an artificial intelligence advantage, it faces the risk that rivals could deploy competing artificial intelligence capabilities into their products more quickly and effectively.
Where AI could hurt it
- AI tools could do part of what it sells (minor)
In the company's words
In addition, competitors and other third parties may incorporate artificial intelligence into products and offerings more quickly or more successfully than we do, which could impair our ability to compete effectively and adversely affect our results of operations.
Assessed by AI from the company's own annual report filed 28 Aug 2026. A reading of the business, not a forecast or a recommendation.
Valuation position
JKHY is at the 8th percentile of its own valuation history. Depending on how far back you look, it ranges from the 4th to the 14th percentile. This is a relative measurement, not a price target or recommendation, and it assumes the business is still the one its history describes.
Price ladder
The measured price sits in the Deep discount zone. These are reference zones, not buy instructions or forecasts that the prices will be reached.
Trend gate active: the price is still falling through this zone.
This ladder rests on the company's own valuation history alone: there are too few comparable companies to cross-check it, so treat its zones as less certain.
What the price assumes
The measured price implies roughly +4.3% annual cash-flow growth, between -1.8% and +8.8% under other reasonable assumptions. Over the last three years it delivered +28.3% a year.
An estimate that depends on its assumptions, not a forecast.
Quality versus peers
Each dimension is shown on its own; they are not combined into a score.
Current analyst snapshot
Shown for reference only; not used in any measurement.
What would have to break
- Not triggered — Revenue decline
- Not triggered — Margin break
- Not triggered — Cash burn with rising debt
- Not triggered — Heavy dilution
- Not triggered — Warning language in filings
News
No recent brief on this company.