Jack Henry & Associates/$JKHY

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About Jack Henry & 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. Jack Henry serves almost 1,000 banks and over 700 credit unions.
Ticker
$JKHY
Sector
Finance
Primary listing
NASDAQ
Employees
7,300

JKHY Metrics

BasicAdvanced
$10B
20.52
$6.98
0.55
$2.41
1.70%

What the Analysts think about JKHY

Analyst ratings (Buy, Hold, Sell) for Jack Henry & Associates stock.
Analyst projections of the future price of Jack Henry & Associates stock.

Bulls say / Bears say

Jack Henry is gaining share and moving upmarket. It recorded a fiscal 2026 high of 58 competitive core wins, including 14 institutions with more than $1 billion of assets, and won Woodforest National Bank, its largest new core client. (PR Newswire, Morningstar)
Cloud migration and payments are adding growth avenues beyond the legacy core. By fiscal year-end, 79% of core clients were in the private cloud, while client adoption grew 25% for Zelle, 24% for RTP and 29% for FedNow. (TradingKey, PR Newswire)
The financial base remains healthy: fiscal 2026 revenue rose 7.1%, operating income 11.7% and EPS 11.9%, with $539.3 million of free cash flow. Management forecasts another 6.3% to 7.3% of non-GAAP revenue growth and 20 to 40 basis points of margin expansion in fiscal 2027. (PR Newswire, StockTitan)
The fourth quarter showed weaker operating leverage: revenue rose 4.7%, but operating income fell 12.2% and EPS dropped 10.2% as cost of revenue, research and development, and selling expenses grew faster than sales. (PR Newswire)
Fiscal 2027 still carries meaningful margin risk. Management expects higher medical, cybersecurity, AI infrastructure and data-centre consolidation costs, while first-half comparisons will be difficult and GAAP operating margin is guided below fiscal 2026's level. (PR Newswire, TradingKey)
Aggressive shareholder returns reduced financial headroom: cash and equivalents fell to $12.1 million after $448 million of buybacks and $170.4 million of dividends, while year-end debt was $40 million. (StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 15 Sept 2026.

JKHY Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

JKHY Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

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