# Jack Henry & Associates Inc. (JKHY) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Technology / IT Services. Price $165.64, market value $11.6 billion.

## Valuation
- **P/E (trailing): 23.8×** (5-yr avg 29.1×, 3-yr avg 26.3×). Jack Henry & Associates Inc. trades at 23.8× trailing earnings, close to its own five-year average of 29.1×. The Technology median in the September 2026 study was 32.1×. Forward P/E is 21.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.78**. A PEG of 1.78 is in the range usually read as fairly priced for its growth.
- **Price / sales: 4.6×**. Each dollar of revenue is priced at 4.6×.
- **Price / book: 5.7×**. The shares trade at 5.7× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 6.0%** (5-yr avg 4.5%). Free cash flow equals 6.0% of the market value, above its five-year average of 4.5%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 4.2%**. The inverse of the P/E: 4.2% of the price is earned each year.

## Profitability
- **Operating margin: 25.0%**. 25.0% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 19.8%**. 19.8% of each dollar of sales reaches the bottom line.
- **Return on equity: 24.5%**. 24.5% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 24.0%**. Return on all capital, debt included, is 24.0%: comfortably above what that capital costs.
- **Return on assets: 16.0%**. Each dollar of assets produces 16.0% of profit.

## Growth
- **Revenue growth (1 yr): 7.1%** (3-yr 7.0%/yr, 5-yr 7.7%/yr). Revenue grew 7.1% over the last year, against 7.7% a year compounded over five years.
- **EPS growth (1 yr): 11.9%** (3-yr 11.6%/yr, 5-yr 11.1%/yr). Earnings per share rose 11.9%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 26.6%/yr**. Free cash flow has compounded at 26.6% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 0.02**. Debt is 0.02 times equity: a conservative balance sheet.
- **Current ratio: 1.17** (quick 1.17). Current assets cover the next year's liabilities 1.17 times.
- **Altman Z-score: 8.79**. A Z-score of 8.79 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.47%** ($2.38 per share, trailing). Jack Henry & Associates Inc. yields 1.47%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 34%** (25% of free cash flow). 34% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 6.2%/yr** (1-yr 5.5%). The dividend has grown 6.2% a year over five years.

## Analyst view
- **Analyst consensus: buy** (15 analysts). 15 analysts cover Jack Henry & Associates Inc.; the consensus is buy, with an average price target of $191.53 (+16% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 3.9%** (YTD -8.5%, 3-mo 27.3%). The shares are up 3.9% over twelve months including dividends.
- **From 52-week high: -14.3%** (36.8% above the low). Trading 14% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): -0.01** (volatility 28%). Beta of -0.01 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=JKHY · Page: https://foliofundamentals.com/stocks/jkhy

Not investment advice.