Jack Henry & Associates (JKHY)
Market Price (4/16/2026): $153.39 | Market Cap: $11.1 BilSector: Financials | Industry: Transaction & Payment Processing Services
Jack Henry & Associates (JKHY)
Market Price (4/16/2026): $153.39Market Cap: $11.1 BilSector: FinancialsIndustry: Transaction & Payment Processing Services
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.3% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 19% Low stock price volatilityVol 12M is 23% Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Cloud Computing. Themes include Digital Payments, Online Banking & Lending, Show more. | Weak multi-year price returns2Y Excs Rtn is -44%, 3Y Excs Rtn is -64% | Key risksJKHY key risks include [1] its dependence on the financial health and technology spending of its core community bank and credit union clients. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.3% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 19% |
| Low stock price volatilityVol 12M is 23% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Cloud Computing. Themes include Digital Payments, Online Banking & Lending, Show more. |
| Weak multi-year price returns2Y Excs Rtn is -44%, 3Y Excs Rtn is -64% |
| Key risksJKHY key risks include [1] its dependence on the financial health and technology spending of its core community bank and credit union clients. |
Qualitative Assessment
AI Analysis | Feedback
Jack Henry & Associates (JKHY) stock has lost about 15% since 12/31/2025 because of the following key factors:
1. Broader Fintech Sector Downturn: Jack Henry & Associates experienced a decline within a larger industry trend, as the fintech sector faced a significant sell-off in the first quarter of 2026. The F-Prime Fintech Index market cap saw a substantial reduction, and the Global X FinTech ETF (FINX) dropped 19.1% year-to-date as of February 23, 2026, indicating widespread market discipline and a downturn across the sector.
2. Market Consolidation and Potential Impact on Market Share: The ongoing consolidation within the financial institutions market presents a risk to Jack Henry & Associates. This industry-specific trend could potentially impact the company's market share and client base as financial institutions merge and streamline their technology providers.
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1. Broader Fintech Sector Downturn: Jack Henry & Associates experienced a decline within a larger industry trend, as the fintech sector faced a significant sell-off in the first quarter of 2026. The F-Prime Fintech Index market cap saw a substantial reduction, and the Global X FinTech ETF (FINX) dropped 19.1% year-to-date as of February 23, 2026, indicating widespread market discipline and a downturn across the sector.
2. Market Consolidation and Potential Impact on Market Share: The ongoing consolidation within the financial institutions market presents a risk to Jack Henry & Associates. This industry-specific trend could potentially impact the company's market share and client base as financial institutions merge and streamline their technology providers.
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Stock Movement Drivers
Fundamental Drivers
The -15.6% change in JKHY stock from 12/31/2025 to 4/15/2026 was primarily driven by a -20.6% change in the company's P/E Multiple.| (LTM values as of) | 12312025 | 4152026 | Change |
|---|---|---|---|
| Stock Price ($) | 181.82 | 153.40 | -15.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 2,419 | 2,465 | 1.9% |
| Net Income Margin (%) | 19.9% | 20.6% | 3.6% |
| P/E Multiple | 27.5 | 21.8 | -20.6% |
| Shares Outstanding (Mil) | 73 | 72 | 0.7% |
| Cumulative Contribution | -15.6% |
Market Drivers
12/31/2025 to 4/15/2026| Return | Correlation | |
|---|---|---|
| JKHY | -15.6% | |
| Market (SPY) | -5.4% | 0.9% |
| Sector (XLF) | -4.7% | 37.0% |
Fundamental Drivers
The 3.7% change in JKHY stock from 9/30/2025 to 4/15/2026 was primarily driven by a 7.3% change in the company's Net Income Margin (%).| (LTM values as of) | 9302025 | 4152026 | Change |
|---|---|---|---|
| Stock Price ($) | 147.90 | 153.40 | 3.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 2,375 | 2,465 | 3.8% |
| Net Income Margin (%) | 19.2% | 20.6% | 7.3% |
| P/E Multiple | 23.6 | 21.8 | -7.5% |
| Shares Outstanding (Mil) | 73 | 72 | 0.8% |
| Cumulative Contribution | 3.7% |
Market Drivers
9/30/2025 to 4/15/2026| Return | Correlation | |
|---|---|---|
| JKHY | 3.7% | |
| Market (SPY) | -2.9% | 3.9% |
| Sector (XLF) | -2.8% | 39.0% |
Fundamental Drivers
The -14.8% change in JKHY stock from 3/31/2025 to 4/15/2026 was primarily driven by a -32.6% change in the company's P/E Multiple.| (LTM values as of) | 3312025 | 4152026 | Change |
|---|---|---|---|
| Stock Price ($) | 180.11 | 153.40 | -14.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 2,273 | 2,465 | 8.4% |
| Net Income Margin (%) | 17.8% | 20.6% | 15.5% |
| P/E Multiple | 32.4 | 21.8 | -32.6% |
| Shares Outstanding (Mil) | 73 | 72 | 0.9% |
| Cumulative Contribution | -14.8% |
Market Drivers
3/31/2025 to 4/15/2026| Return | Correlation | |
|---|---|---|
| JKHY | -14.8% | |
| Market (SPY) | 16.3% | 31.7% |
| Sector (XLF) | 5.8% | 48.3% |
Fundamental Drivers
The 5.9% change in JKHY stock from 3/31/2023 to 4/15/2026 was primarily driven by a 23.5% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 3312023 | 4152026 | Change |
|---|---|---|---|
| Stock Price ($) | 144.80 | 153.40 | 5.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,995 | 2,465 | 23.5% |
| Net Income Margin (%) | 17.7% | 20.6% | 16.6% |
| P/E Multiple | 30.0 | 21.8 | -27.1% |
| Shares Outstanding (Mil) | 73 | 72 | 1.0% |
| Cumulative Contribution | 5.9% |
Market Drivers
3/31/2023 to 4/15/2026| Return | Correlation | |
|---|---|---|
| JKHY | 5.9% | |
| Market (SPY) | 63.3% | 29.8% |
| Sector (XLF) | 69.4% | 41.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| JKHY Return | 4% | 6% | -6% | 9% | 5% | -17% | -0% |
| Peers Return | -22% | -34% | 34% | 60% | -26% | -25% | -38% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 2% | 85% |
Monthly Win Rates [3] | |||||||
| JKHY Win Rate | 67% | 42% | 50% | 75% | 42% | 0% | |
| Peers Win Rate | 43% | 40% | 55% | 65% | 50% | 25% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| JKHY Max Drawdown | -11% | -6% | -21% | -2% | -16% | -19% | |
| Peers Max Drawdown | -31% | -45% | -16% | -4% | -37% | -30% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: FISV, FIS, QTWO, ALKT, SSNC. See JKHY Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/15/2026 (YTD)
How Low Can It Go
| Event | JKHY | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -34.6% | -25.4% |
| % Gain to Breakeven | 52.8% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -25.7% | -33.9% |
| % Gain to Breakeven | 34.6% | 51.3% |
| Time to Breakeven | 43 days | 148 days |
| 2018 Correction | ||
| % Loss | -25.7% | -19.8% |
| % Gain to Breakeven | 34.5% | 24.7% |
| Time to Breakeven | 408 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -50.9% | -56.8% |
| % Gain to Breakeven | 103.6% | 131.3% |
| Time to Breakeven | 641 days | 1,480 days |
Compare to FISV, FIS, QTWO, ALKT, SSNC
In The Past
Jack Henry & Associates's stock fell -34.6% during the 2022 Inflation Shock from a high on 8/5/2022. A -34.6% loss requires a 52.8% gain to breakeven.
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About Jack Henry & Associates (JKHY)
Jack Henry & Associates, Inc. provides technology solutions and payment processing services primarily for financial services organizations in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutions under the Jack Henry Banking brand; core data processing solutions for various credit unions under the Symitar brand; and specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial institutions and corporate entities under the ProfitStars brand. It also provides a suite of integrated applications required to process deposit, loan, and general ledger transactions, as well as to maintain centralized customer/member information; and complementary products and services that enable core bank and credit union clients to respond to evolving customer/member demands. The company's Jack Henry Banking business brand offers SilverLake, a robust primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven, easy-to-use system for banks; and Core Director, a cost-efficient system with point-and-click operation. Its Symitar business brand provides Episys, a robust designed for credit unions. In addition, the company offers digital products and services and electronic payment solutions; purchases and resells hardware systems, including servers, workstations, scanners, and other devices; and provides implementation, training, and support services. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri.
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Here are 1-3 brief analogies for Jack Henry & Associates (JKHY):
- They are like SAP or Oracle for banks and credit unions, providing the core software that powers their entire operations.
- Imagine Salesforce for financial institutions' back office, handling all their core data, transactions, and payments.
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- SilverLake: A robust core processing system primarily designed for commercial-focused banks.
- CIF 20/20: A parameter-driven, easy-to-use core processing system for banks.
- Core Director: A cost-efficient core processing system with point-and-click operation for banks.
- Episys: A robust core data processing solution specifically designed for credit unions.
- Payment Processing Services: Provides electronic payment solutions and services.
- Financial Performance Solutions: Offers specialized tools for financial institutions to manage and improve their financial performance.
- Imaging & Payments Processing: Provides solutions for document imaging and processing payments.
- Information Security & Risk Management: Delivers solutions to help financial institutions manage security and mitigate risks.
- Retail Delivery Solutions: Offers technology to enhance customer interactions and services at retail branches.
- Online & Mobile Solutions: Provides digital platforms for online and mobile banking.
- Implementation, Training & Support Services: Offers comprehensive services to assist clients with system setup, user training, and ongoing technical support.
- Hardware Systems Reselling: Purchases and resells hardware like servers, workstations, and scanners to financial institutions.
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Jack Henry & Associates (JKHY) primarily sells its technology solutions and payment processing services to other companies, specifically financial services organizations and corporate entities.
The provided background information does not list specific names of customer companies. However, it clearly describes the major categories of organizations that utilize Jack Henry & Associates' services. These major customer categories include:
- Banks: Jack Henry & Associates provides information and transaction processing solutions for banks, ranging from community institutions to multi-billion-dollar asset organizations. These services are offered under the Jack Henry Banking brand, with specific systems like SilverLake, CIF 20/20, and Core Director.
- Credit Unions: The company offers core data processing solutions for various credit unions under its Symitar business brand, with Episys being a prominent solution.
- Corporate Entities: Through its ProfitStars brand, Jack Henry & Associates provides specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to general corporate entities, in addition to financial institutions.
Thus, Jack Henry & Associates' customer base primarily consists of financial institutions (banks and credit unions) and corporate entities, rather than individual consumers.
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- Alphabet Inc. (GOOGL)
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Greg Adelson, President and Chief Executive Officer
Greg Adelson assumed the role of President and Chief Executive Officer of Jack Henry & Associates, Inc. on July 1, 2024. He joined Jack Henry in 2011 as Group President of iPay Solutions™ and has since held several key positions, including General Manager of JHA Payment Solutions™, Chief Operating Officer, and President. With more than 25 years of financial services experience, Adelson has been instrumental in leading significant initiatives such as the creation of the PayCenter™ payments hub and the acquisition of Ensenta Corporation. Prior to joining Jack Henry, he held executive leadership positions as Chief Revenue Officer of Regulus, Chief Operating Officer of FSV Payments and National Processing Company, and President of ChoicePay.
Mimi Carsley, Chief Financial Officer and Treasurer
Mimi Carsley became Chief Financial Officer and Treasurer of Jack Henry & Associates, Inc. on September 1, 2022. She brings over 30 years of financial industry experience to the company. Before joining Jack Henry, Carsley served as interim CFO, treasurer, and senior vice president for Blucora, a technology company. Her previous experience also includes serving as Executive Vice President of Corporate Development for LPL Financial and as CFO and COO at Bluewater Global Ltd., which is noted as a private equity investment company and business consulting firm. Additionally, she spent 10 years at Microsoft in various financial roles, including corporate development and as a divisional CFO.
Shanon G. McLachlan, Senior Vice President and Chief Operating Officer
Shanon McLachlan is the Senior Vice President and Chief Operating Officer of Jack Henry & Associates. He is responsible for overseeing all business lines and infrastructure, with a focus on strategic objectives, technology modernization, and operational optimization. He has more than 30 years of financial services experience within the banking and credit union industries.
Renee A. Swearingen, Senior Vice President, Chief Accounting Officer and Assistant Treasurer
Renee Swearingen serves as Senior Vice President, Chief Accounting Officer and Assistant Treasurer at Jack Henry & Associates, Inc. She leads the development and execution of financial strategies, collaborates with businesses on goals and initiatives, and manages finance, accounting, and procurement. Swearingen joined Jack Henry in 1996 and has over 25 years of experience in accounting and finance.
Craig K. Morgan, General Counsel and Secretary
Craig K. Morgan holds the position of General Counsel and Secretary at Jack Henry & Associates, Inc.
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The key risks to Jack Henry & Associates (JKHY) primarily stem from the highly dynamic and sensitive nature of the financial technology sector it operates within. These risks include:
- Cybersecurity Threats and Data Breaches: As a provider of technology solutions and payment processing services for financial institutions, Jack Henry & Associates handles vast amounts of sensitive financial data. The company faces a significant and ongoing risk from cyberattacks, data breaches, fraud, and other security incidents. A successful breach could lead to severe reputational damage, substantial financial losses, regulatory penalties, and a loss of customer trust. This risk is compounded by the increasing sophistication of cybercriminals and the potential for vulnerabilities through third-party vendors.
- Intense Competition and Rapid Technological Obsolescence: The financial technology industry is characterized by rapid technological advancements and intense competition from both established players and agile new fintech entrants. Jack Henry & Associates must continuously innovate and evolve its core processing solutions (such as SilverLake, CIF 20/20, Core Director, and Episys), payment processing services, and complementary offerings to remain competitive. A failure to adapt quickly to new technologies or to provide compelling features and solutions could lead to a loss of market share or hinder its ability to attract new clients and retain its high customer retention rate.
- Regulatory Compliance and Evolving Financial Industry Landscape: The financial services industry is subject to extensive and continuously evolving regulations, including those related to banking, data privacy (e.g., GDPR, CCPA), and payment processing. Jack Henry & Associates must ensure its products and services comply with these complex and changing legal and regulatory requirements. Non-compliance could result in significant fines, operational disruptions, and damage to client relationships and reputation. The company's ability to navigate new regulatory mandates and assist its clients in meeting their compliance obligations is crucial to its business.
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The clear emerging threat for Jack Henry & Associates is the rise of modern, cloud-native, modular core banking platforms and Banking-as-a-Service (BaaS) providers. These solutions offer financial institutions greater flexibility, speed, and cost efficiency by enabling them to assemble services from various components rather than relying on monolithic, integrated core systems. This shift could potentially disrupt the demand for Jack Henry's traditional core banking products and services, which are typically more comprehensive and less inherently modular.
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Jack Henry & Associates (JKHY) Addressable Markets
Jack Henry & Associates provides technology solutions and payment processing services for financial institutions, primarily in the United States. The addressable markets for their main products and services in the U.S. are as follows:
- Core Banking Software Solutions: The U.S. core banking software market was valued at approximately USD 5.30 billion in 2024 and is projected to grow to USD 16.81 billion by 2032. Another estimate places the U.S. core banking software market at USD 5.74 billion in 2024, with a projection to reach USD 25.0 billion by 2035. Globally, the core banking solutions market was valued at USD 16.71 billion in 2024, with the U.S. market capturing the largest revenue share of 84.8% within North America. Jack Henry is recognized as a major player in this market.
- Payment Processing Solutions: The U.S. payment processing solutions market generated revenue of USD 16.00 billion in 2023 and is expected to reach USD 36.75 billion by 2030. Another report valued the USA payment processing solutions market at USD 40 billion based on historical analysis (likely around 2023). The global payment processing solutions market size was valued at USD 66.8 billion in 2024 and is expected to reach around USD 198.9 billion by 2034, with North America dominating and the U.S. leading the regional market.
- Digital Banking Platforms: The U.S. digital banking market generated approximately USD 1.84 billion in revenue in 2024 and is anticipated to reach USD 3.86 billion by 2032. The digital banking platforms market size in North America is valued to increase by USD 32.23 billion at a CAGR of 16.6% from 2025 to 2030. The global digital banking platform market is expected to reach USD 11.5 billion by 2024 and is further anticipated to reach USD 31.3 billion by 2033, with North America contributing significantly to the market share.
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Expected Drivers of Future Revenue Growth for Jack Henry & Associates (JKHY)
Over the next 2-3 years, Jack Henry & Associates (JKHY) is expected to drive future revenue growth through several key initiatives and market trends:
- Expansion of Digital and Cloud-Based Solutions: Jack Henry is experiencing strong growth in its cloud revenue and the adoption of digital and cloud-based offerings. Cloud revenue, a significant recurring contributor, has shown consistent increases, with a 7% rise in one quarter and an 8% increase in another, now representing 33% of total revenue. This trend is supported by clients increasingly investing in technology and a focus on cloud-native innovation.
- Market Share Gains and Core System Wins: The company is actively gaining market share, particularly through competitive core system wins among financial institutions. Jack Henry's core sales team reported 22 competitive core wins in a recent quarter, including institutions with over $1 billion in assets. Over the past eight years, the company's core market share has increased by 17% among banks and 40% among credit unions. An improving market backdrop, coupled with a competitor's platform consolidation, is expected to create additional share gain opportunities. The company also noted a pipeline of approximately 1,400 potential core consolidation opportunities.
- Growth in the Payments Segment and Faster Payment Adoption: The payments segment is a consistent driver of revenue growth, fueled by increases in card-related services, transaction and digital revenue, and payment processing, notably from PayCenter. There is rapid growth in the usage of faster payment solutions such as Zelle, RTP, and FedNow, with transaction volumes up significantly year-over-year. Jack Henry is also strategically focusing on SMB solutions and embedded payments, including partnerships, to reclaim market share.
- Leveraging Industry Consolidation: Mergers and acquisitions among financial institutions are generating deconversion revenue for Jack Henry as new clients transition to its platforms. This industry consolidation presents a significant opportunity, with one major competitor migrating approximately 1,400 banks off legacy platforms over the next 3-5 years, which Jack Henry aims to capitalize on through incremental core transition wins.
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Share Repurchases
- Jack Henry & Associates' Board of Directors increased the existing share repurchase authorization by 5.0 million shares on May 17, 2021, bringing the total current authorization to 5.2 million shares.
- The company accelerated its share buyback program to $200 million from a previous $35 million, as of March 11, 2026.
- Share repurchases are financed with available cash reserves or short-term borrowings on its existing credit facility.
Share Issuance
- Specific dollar amounts for share issuances over the last 3-5 years are not readily available in the provided information.
- The number of shares outstanding for Jack Henry & Associates in 2025 was 0.073 billion, a 0.03% increase from the previous year.
- In 2024, shares outstanding were 0.073 billion, a 0.1% decline from 2023.
Outbound Investments
- Jack Henry & Associates acquired Victor Technology in October 2025.
- The company acquired Payrailz in August 2022.
- Jack Henry & Associates continues to pursue targeted acquisitions in cloud-native fintech.
Capital Expenditures
- Capital expenditures totaled $30.096 million for the fiscal six months ended December 31, 2025.
- Capital expenditures were $29.469 million for the fiscal six months ended December 31, 2024.
- A significant portion of investment is directed towards "computer software developed," amounting to $92.484 million for the fiscal six months ended December 31, 2025, and $85.803 million for the fiscal six months ended December 31, 2024.
Latest Trefis Analyses
Trade Ideas
Select ideas related to JKHY.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 03312026 | ALKT | Alkami Technology | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 3.1% | 3.1% | 0.0% |
| 03202026 | MKTX | MarketAxess | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -5.2% | -5.2% | -5.7% |
| 09262025 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 3.3% | 6.5% | -2.1% |
| 03312023 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 1.0% | 16.8% | -7.7% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 55.70 |
| Mkt Cap | 14.2 |
| Rev LTM | 4,368 |
| Op Inc LTM | 1,037 |
| FCF LTM | 956 |
| FCF 3Y Avg | 753 |
| CFO LTM | 1,227 |
| CFO 3Y Avg | 1,004 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 7.5% |
| Rev Chg 3Y Avg | 6.7% |
| Rev Chg Q | 8.1% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | 19.7% |
| Op Mgn 3Y Avg | 19.6% |
| QoQ Delta Op Mgn LTM | 0.3% |
| CFO/Rev LTM | 27.1% |
| CFO/Rev 3Y Avg | 24.3% |
| FCF/Rev LTM | 19.7% |
| FCF/Rev 3Y Avg | 17.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 14.2 |
| P/S | 3.4 |
| P/EBIT | 14.1 |
| P/E | 21.8 |
| P/CFO | 12.8 |
| Total Yield | 5.1% |
| Dividend Yield | 0.4% |
| FCF Yield 3Y Avg | 4.3% |
| D/E | 0.3 |
| Net D/E | 0.3 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -2.2% |
| 3M Rtn | -21.0% |
| 6M Rtn | -21.7% |
| 12M Rtn | -30.9% |
| 3Y Rtn | 16.7% |
| 1M Excs Rtn | -7.0% |
| 3M Excs Rtn | -21.4% |
| 6M Excs Rtn | -28.4% |
| 12M Excs Rtn | -62.2% |
| 3Y Excs Rtn | -50.9% |
Comparison Analyses
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Payments | 818 | 767 | 719 | 642 | 598 |
| Core | 691 | 649 | 622 | 564 | 561 |
| Complementary | 618 | 584 | 544 | 506 | 484 |
| Corporate and Other | 89 | 78 | 57 | 46 | 54 |
| Total | 2,216 | 2,078 | 1,943 | 1,758 | 1,697 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Core | 403 | ||||
| Payments | 376 | ||||
| Complementary | 367 | ||||
| Research and Development | -148 | ||||
| Corporate and Other | -230 | ||||
| Selling, General, and Administrative | -278 | ||||
| Total | 489 |
Price Behavior
Price Behavior
| Market Price | $153.40 | |
| Market Cap ($ Bil) | 11.1 | |
| First Trading Date | 03/26/1990 | |
| Distance from 52W High | -20.1% | |
| 50 Days | 200 Days | |
| DMA Price | $161.85 | $166.34 |
| DMA Trend | down | down |
| Distance from DMA | -5.2% | -7.8% |
| 3M | 1YR | |
| Volatility | 30.9% | 23.4% |
| Downside Capture | 0.29 | 0.24 |
| Upside Capture | -79.63 | 20.39 |
| Correlation (SPY) | -2.5% | 16.6% |
JKHY Betas & Captures as of 3/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.49 | -0.15 | 0.04 | 0.07 | 0.41 | 0.44 |
| Up Beta | -1.49 | -1.26 | -0.35 | 0.03 | 0.43 | 0.43 |
| Down Beta | -0.99 | 0.09 | 0.31 | -0.00 | 0.42 | 0.35 |
| Up Capture | -57% | -50% | -44% | 16% | 19% | 18% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 7 | 17 | 27 | 65 | 128 | 387 |
| Down Capture | 3% | 38% | 44% | 7% | 57% | 76% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 15 | 25 | 36 | 61 | 123 | 360 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with JKHY | |
|---|---|---|---|---|
| JKHY | -10.0% | 23.3% | -0.51 | - |
| Sector ETF (XLF) | 13.0% | 15.3% | 0.60 | 42.3% |
| Equity (SPY) | 22.0% | 12.9% | 1.36 | 17.6% |
| Gold (GLD) | 49.0% | 27.5% | 1.44 | -14.7% |
| Commodities (DBC) | 25.0% | 16.1% | 1.38 | -10.1% |
| Real Estate (VNQ) | 17.3% | 13.7% | 0.92 | 30.0% |
| Bitcoin (BTCUSD) | -10.4% | 42.6% | -0.14 | 6.4% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with JKHY | |
|---|---|---|---|---|
| JKHY | 1.0% | 23.3% | 0.01 | - |
| Sector ETF (XLF) | 10.2% | 18.7% | 0.43 | 42.3% |
| Equity (SPY) | 10.9% | 17.0% | 0.50 | 39.9% |
| Gold (GLD) | 21.9% | 17.8% | 1.01 | 1.7% |
| Commodities (DBC) | 11.5% | 18.8% | 0.50 | 6.2% |
| Real Estate (VNQ) | 4.0% | 18.8% | 0.12 | 43.9% |
| Bitcoin (BTCUSD) | 5.1% | 56.5% | 0.31 | 9.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with JKHY | |
|---|---|---|---|---|
| JKHY | 7.4% | 23.4% | 0.31 | - |
| Sector ETF (XLF) | 13.2% | 22.2% | 0.55 | 44.7% |
| Equity (SPY) | 13.8% | 17.9% | 0.67 | 52.0% |
| Gold (GLD) | 14.3% | 15.9% | 0.75 | 3.3% |
| Commodities (DBC) | 8.7% | 17.6% | 0.41 | 16.2% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.22 | 45.8% |
| Bitcoin (BTCUSD) | 67.8% | 66.9% | 1.07 | 9.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/27/2026 | 0.5% | -7.2% | -9.7% |
| 10/28/2025 | -2.9% | -1.2% | 12.7% |
| 8/11/2025 | 0.8% | 1.5% | 0.7% |
| 4/30/2025 | 0.3% | -1.0% | 4.8% |
| 1/27/2025 | -1.4% | -1.6% | -3.3% |
| 10/28/2024 | -0.5% | 0.4% | -5.7% |
| 8/12/2024 | 1.5% | 0.8% | 7.3% |
| 4/29/2024 | -2.1% | -0.7% | -2.4% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 8 | 7 | 9 |
| # Negative | 16 | 17 | 15 |
| Median Positive | 1.1% | 0.8% | 4.8% |
| Median Negative | -2.6% | -3.7% | -5.2% |
| Max Positive | 3.5% | 5.1% | 12.7% |
| Max Negative | -12.9% | -15.8% | -18.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/06/2026 | 10-Q |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/25/2025 | 10-K |
| 03/31/2025 | 05/12/2025 | 10-Q |
| 12/31/2024 | 02/07/2025 | 10-Q |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/26/2024 | 10-K |
| 03/31/2024 | 05/09/2024 | 10-Q |
| 12/31/2023 | 02/08/2024 | 10-Q |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/24/2023 | 10-K |
| 03/31/2023 | 05/08/2023 | 10-Q |
| 12/31/2022 | 02/09/2023 | 10-Q |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/25/2022 | 10-K |
| 03/31/2022 | 05/06/2022 | 10-Q |
Recent Forward Guidance [BETA]
Latest: Q2 2026 Earnings Reported 2/3/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Revenue | 2.51 Bil | 2.52 Bil | 2.52 Bil | 0.6% | Raised | Guidance: 2.50 Bil for 2026 | |
| 2026 Operating Margin | 24.3% | 24.4% | 24.5% | 1.7% | 0.4% | Raised | Guidance: 24.0% for 2026 |
| 2026 EPS | 6.61 | 6.67 | 6.72 | 3.6% | Raised | Guidance: 6.43 for 2026 | |
| 2026 Adjusted Revenue | 2.47 Bil | 2.48 Bil | 2.49 Bil | 0.2% | Raised | Guidance: 2.48 Bil for 2026 | |
| 2026 Adjusted Operating Margin | 23.7% | 23.8% | 23.9% | 0.8% | 0.2% | Raised | Guidance: 23.6% for 2026 |
Prior: Q1 2026 Earnings Reported 11/4/2025
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Revenue | 2.49 Bil | 2.50 Bil | 2.51 Bil | 0.5% | Raised | Guidance: 2.49 Bil for 2026 | |
| 2026 Operating Margin | 23.9% | 24.0% | 24.1% | -0.4% | -0.1% | Lowered | Guidance: 24.1% for 2026 |
| 2026 EPS | 6.38 | 6.43 | 6.49 | 0.9% | Raised | Guidance: 6.38 for 2026 | |
| 2026 Adjusted Revenue | 2.46 Bil | 2.48 Bil | 2.49 Bil | 0.1% | Raised | Guidance: 2.47 Bil for 2026 | |
| 2026 Adjusted Operating Margin | 23.5% | 23.6% | 23.7% | 0.4% | 0.1% | Raised | Guidance: 23.5% for 2026 |
| 2026 Free Cash Flow Conversion | 0.85 | 0.93 | 1 | ||||
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Foss, David B | Direct | Sell | 12032025 | 174.92 | 20,000 | 3,498,400 | 22,413,024 | Form | |
| 2 | McLachlan, Shanon G | COO | Direct | Sell | 11132025 | 160.83 | 227 | 36,508 | 228,379 | Form |
| 3 | Foss, David B | Direct | Sell | 8062025 | 167.28 | 5,780 | 966,878 | 23,296,249 | Form | |
| 4 | Swearingen, Renee Ann | Sr VP & Chief Accounting Offic | Direct | Sell | 5152025 | 179.10 | 1,010 | 180,891 | 124,116 | Form |
| 5 | McLachlan, Shanon G | COO | Direct | Sell | 5152025 | 179.42 | 246 | 44,137 | 132,950 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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