Feed / JKHY

Jack Henry & Associates, Inc.

JKHY

Technology · 161.45 +1.9% today

Isolated · not yet confirmedMarket checked 10 Sept, 15:55 GMT-4

Market read

Jack Henry & Associates, Inc.'s current read is isolated; its market group is not confirming.

No new filing conclusion is available. 0 of 23 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 3 directly disclosed connections are confirming.

P/E27.2xlatest annual facts
Revenue YoY+7.2%2025-06-30
Operating margin23.9%+1.9 pts YoY
Company+1.9% todayVolume comparison unavailable
Market group0 of 23 activeB2B Information Software · unavailable
Disclosed network0 of 3 confirmingNo filing-linked name is confirming now
What would change this read
  • Cloud, digital, card, and payment revenue grew as Jack Henry added clients and saw higher users and transaction volumes.
  • Higher personnel costs, including compensation and benefits, were a disclosed contributor to the period's expense increase.

Invalidation: The isolated read changes if JKHY's group or a disclosed connection begins moving with it.

Watch this read

Research brief

The story so far

Technology · Information Technology Services

No new filing conclusion is available. 0 of 23 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 3 directly disclosed connections are confirming.

Evidence that supports

No thresholded supportive filing evidence is available yet.

Evidence that challenges

No thresholded adverse filing evidence is available yet.

What would clarify the read
  • Cloud, digital, card, and payment revenue grew as Jack Henry added clients and saw higher users and transaction volumes.
  • Higher personnel costs, including compensation and benefits, were a disclosed contributor to the period's expense increase.

Company research

Understand the business, not just the ticker

As of Sep 11, 2026
Business model and earnings drivers

Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.

Key research questions
  • Which operating variable is changing?
  • Is that change durable, cyclical or one-off?
  • What evidence would disprove the current interpretation?
Annual periods9
Price observations601
Usable filing statements159
Verified relationships3
Evidence supporting the case
  • Latest annual revenue changed +7.1% year over year.
  • Operating margin changed +1.0 percentage points in the latest annual period.
  • Operating cash flow covered net income at 1.52x in the latest annual period.
Evidence challenging the case
  • Credit and interest rates has repeated adverse evidence across 5 filings.
Questions before a position
  • P/E is 56% below the available filing-peer median; determine whether growth and quality justify the difference.
  • EV/sales is 71% above the available filing-peer median; determine whether growth and quality justify the difference.
Longer-term price context

Price as of Sep 10, 2026

161.45
6m-3.3%12m-0.8%24m-6.8%
Annual trajectory

Reported annual revenue and per-share history. This is accounting history, not a forecast.

PeriodRevenueYoYDiluted EPSShare change
2022-06-30$1.9B+10.5%$4.94-2.9%
2023-06-30$2.1B+6.9%$5.02-0.5%
2024-06-30$2.2B+6.6%$5.23-0.1%
2025-06-30$2.4B+7.2%$6.24+0.0%
2026-06-30$2.5B+7.1%$6.98-1.4%

What management says matters

Persistent and emerging business drivers

Credit and interest ratesnegative · 5 filings
These expenditures were partially offset by borrowings and repayments on our credit facilities which netted to borrowings of $40,000 and $4,459 of net cash inflow related to stock-based compensation.
10-K · Aug 28, 2026
Product pipeline and R&Dmixed · 2 filings
We believe our research and development efforts are highly efficient because of the extensive experience of our research and development staff and because our product development is highly client driven.
10-K · Aug 28, 2026
Demand and volumepositive · 1 filings
This increase was primarily driven by non-acquisition-related increases in our data processing and hosting revenue within cloud and a rise in consulting, work orders, and release revenue.
10-K · Aug 28, 2026
Pricing and mixmixed · 1 filings
This increase was primarily due to higher personnel costs including increased compensation costs and employee headcount additions in the trailing twelve months and internal license and fees expenses from price increases and more deployments in the current fis…
10-K · Aug 25, 2025

Valuation discipline

Descriptive valuation snapshot

Price/sales 4.6× · EV/sales 4.6×. Comparisons use only industry-matched filing peers.

Scenario scaffold

Mechanical 2.0-year scenarios are available as editable assumptions, not consensus.

Price action

How the market is pricing the story

161.45+1.9% today

Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 10 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.

Developments

No sourced recent-development timeline yet

Jodie has not returned a relevant primary source or news item for JKHY. This is an evidence-coverage gap, not a conclusion that nothing material happened.

Business and financial condition

Reported financial figures are not available yet

Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.

Filing analysis

No comparable filing assessment is available yet

Jodie has not yet found a suitable current-versus-prior filing comparison for JKHY. This does not mean the latest filing was neutral or immaterial.

Business ecosystem

The relationships behind JKHY

Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.

Depends on

HPEHewlett Packard Enterprise CompanypartnerAug 25, 2025

We currently sell IBM Power Systems™; Lenovo ® , Dell, Hewlett Packard Enterprise, and Cisco servers and workstations; Canon ® , Digital Check, Epson ® , and Panini ® check scanners; and other devices that complement our software solutions.

FISFidelity National Information Services, Inc.competitorAug 25, 2025

Our core solutions compete with large vendors that provide information and transaction processing solutions to banks and credit unions, including Fidelity National Information Services, Inc.; Fiserv, Inc.; Corelation, Inc.; and Finastra.

FISVFiserv, Inc.competitorAug 25, 2025

Our core solutions compete with large vendors that provide information and transaction processing solutions to banks and credit unions, including Fidelity National Information Services, Inc.; Fiserv, Inc.; Corelation, Inc.; and Finastra.

Filing peers

Companies whose filings use similar operating language.

Open the three relationships above to see Jodie’s filing proof. Pro unlocks 6 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →

What is moving around it

Live connections

JKHY is currently a Follower in the organic co-movement group B2B Information Software. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 3 filing-linked names are in the relationship map; none is currently confirmed as moving with the group.

Context history

Theme membership history

No durable theme membership has been observed for this name yet.