JKHY
JACK HENRY & ASSOCIATES INC
Technology • CIK: 0000779152
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Market Cap
$13.26B
P/E (TTM)
26.1x
Rev Growth (TTM)
+8.4%
Net Margin (TTM)
20.6%
FCF Yield (TTM)
4.9%
FCF Margin (TTM)
26.5%
Cash Flow Health
Free Cash Flow8/8 positive
TTM$654M
Q '26
$131M+18%
Q '26
$112M-65%
FCF Margin
TTM26.5%
Q '2621.2%+22%
Sector: 14.5%Top 25%
OCF Margin28.7%
OCF/NI1.40x
CapEx Coverage13.1x
FCF Yield4.9%
FCF Growth (2Y)+12%
Cash Conversion Cycle
39 days
DSO: 44+DIO: 0−DPO: 5
Capital Allocation & Returns
Balanced
Total Shareholder YieldTTM
TTM2.4%
Div Yield1.3%
+Buyback (TTM)1.1%
Balancing returns with reinvestment
Dividend & Payout Metrics
Dividend Yield (TTM)1.3%
FCF Payout Ratio25.8%
Free Cash Flow (TTM)$654.2M
Stock Repurchases (TTM)$143.2M
Capital Return / FCF47.6%
Est. Dividends Paid (TTM)$168.6M
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
23.2%
Moderate
+0.2% YoY+9.1%
P25MedianP75
75th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
20.0%
8Q: 18.9%
Asset Turnover
0.82x
8Q: 0.81x
Leverage (1+D/E)
1.01x
D/E: 0.01x
DuPont: 16.6% ≈ 23.2% ROIC
Asset & CapEx Efficiency
Fixed Asset Turn
11.35x
8Q:10.79x
+156.0%
Invested Cap Turn
1.16x
8Q:1.14x
+4.9%
CapEx Intensity
2.5%
8Q:2.4%
CapEx/Depreciation
1.29x
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q 2026 | Q 2026 | Q4 2025 | Q3 2025 | Q 2025 | Q 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $2.5B | $619.3M↓3.9% | $644.7M↑4.8% | $615.4M↑5.2% | $585.1M↑2.0% | $573.8M↓4.5% | $601.0M↑7.3% | $559.9M↑4.0% | $538.6M |
Operating Income | $637.7M | $159.1M↓13.5% | $184.1M↑18.2% | $155.7M↑12.2% | $138.7M↑12.8% | $123.0M↓18.7% | $151.3M↑20.4% | $125.6M↑12.1% | $112.1M |
Net Income | $507.4M | $124.7M↓13.4% | $144.0M↑12.8% | $127.6M↑14.8% | $111.1M↑13.6% | $97.8M↓17.9% | $119.2M↑17.9% | $101.1M↑16.0% | $87.1M |
Operating Cash Flow | $708.2M | $152.7M↑26.6% | $120.6M↓63.1% | $327.1M↑203.3% | $107.8M↑20.3% | $89.6M↓23.3% | $116.9M↓49.6% | $231.8M↑137.6% | $97.6M |
Free Cash Flow | $654.2M | $131.4M↑17.7% | $111.7M↓64.5% | $314.9M↑227.6% | $96.1M↑31.7% | $73.0M↓29.9% | $104.1M↓50.0% | $208.0M↑137.3% | $87.7M |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
26.1x
Valuation Lenses
Earnings
26.1x
vs – sector
Cash Flow
27.6x
EV/FCF vs –
Growth-Adj
1.0xPEG
Fair for growth
Quality-Adj
1.1P/E per %ROIC
ROIC: 23.2%
Shareholder Returns
Dividend
1.3%
Buyback
1.1%
Total Yield
2.4%
Market Cap$13.26B
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
92/100
Exceptional
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Top 25%
24.1%
8Q:–
Return on Invested Capital (ROIC)Top 25%
23.2%
8Q:–
+9.1%
vs Sector:0.1%
DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)
NOPAT Margin: 20.0%
Asset Turnover: 0.82x
Earnings Quality
Cash Conversion
1.40x
OCF / Net Income ✓
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin43.8%
Capital Efficiency
Invested Capital Turnover1.16x
Working Capital
Cash Conversion Cycle39 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
64/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
8.4%
OpInc Growth YoY
29.4%
EPS Growth YoY
25.6%
FCF 3Y CAGR
11.8%
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
43.8%
Operating
25.9%
Top 25% in sector
Net
20.6%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
+6.0 pts
FCF: 26.5% | Net: 20.6%
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $8.22M
Interest Coverage
–
+Net cash position: $8.22M
Leverage Metrics
Debt-to-Equity
0.01x
Balance sheet risk & solvency analysis