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Upturn AI SWOT - About
JKHY 
Jack Henry & Associates Inc (JKHY)
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Upturn Advisory Summary
08/14/2025: JKHY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
19 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $191.27
1 Year Target Price $191.27
| 4 | Strong Buy |
| 0 | Buy |
| 14 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.66% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.60B USD | Price to earnings Ratio 27.08 | 1Y Target Price 191.27 |
Price to earnings Ratio 27.08 | 1Y Target Price 191.27 | ||
Volume (30-day avg) 19 | Beta 0.74 | 52 Weeks Range 157.80 - 195.38 | Updated Date 08/15/2025 |
52 Weeks Range 157.80 - 195.38 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.36% | Basic EPS (TTM) 5.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-19 | When - | Estimate 1.55 | Actual - |
Profitability
Profit Margin 18.5% | Operating Margin (TTM) 23.71% |
Management Effectiveness
Return on Assets (TTM) 11.81% | Return on Equity (TTM) 22.49% |
Valuation
Trailing PE 27.08 | Forward PE 24.94 | Enterprise Value 11726075770 | Price to Sales(TTM) 5 |
Enterprise Value 11726075770 | Price to Sales(TTM) 5 | ||
Enterprise Value to Revenue 5.05 | Enterprise Value to EBITDA 15.18 | Shares Outstanding 72816000 | Shares Floating 72325934 |
Shares Outstanding 72816000 | Shares Floating 72325934 | ||
Percent Insiders 0.61 | Percent Institutions 99.98 |
Upturn AI SWOT
Jack Henry & Associates Inc
Company Overview
History and Background
Jack Henry & Associates was founded in 1976 by Jack Henry and Jerry Hall in Monett, Missouri. Initially focused on providing data processing services to financial institutions, it has grown into a leading provider of technology solutions and payment processing services for community banks and credit unions. Significant milestones include numerous acquisitions and expansions into various technology areas.
Core Business Areas
- Core Solutions Segment: Provides core information processing platforms and complementary solutions required to process transactions, automate workflows, and manage information for banks and credit unions.
- Payments Solutions Segment: Offers payment processing and related services, including card processing, digital payment solutions, and risk management.
- Complementary Solutions Segment: Encompasses a range of specialized solutions, such as imaging, item processing, and security solutions.
Leadership and Structure
The leadership team includes David Foss as Chairman and CEO. The organizational structure is based on functional departments, with divisions for core solutions, payments, and complementary solutions.
Top Products and Market Share
Key Offerings
- SilverLake System: A core banking platform for larger banks. Market share information not publicly disclosed but estimated to be significant within its target market. Competitors include FIS (FIS), Fiserv (FI) and Temenos (TEMN).
- CIF 20/20: A core banking platform targeting community banks. Market share information not publicly disclosed but a very significant market share. Competitors include FIS (FIS), Fiserv (FI) and Finastra.
- Symitar Episys: A core processing solution for credit unions. Has a significant market presence within the credit union segment. Competitors include Fiserv (FI), Corelation, and CU*Answers.
- JHA PayCenter: A payments processing hub that offers various services, including card processing, mobile payment solutions, and fraud detection. Competitors include Fiserv (FI), Global Payments (GPN), and Fidelity National Information Services (FIS).
Market Dynamics
Industry Overview
The financial technology (fintech) industry is characterized by constant innovation, increasing regulatory compliance requirements, and growing demand for digital banking solutions. Consolidation is a continuing factor.
Positioning
Jack Henry & Associates is positioned as a provider of comprehensive, integrated solutions for community and regional financial institutions. Its competitive advantage lies in its long-standing relationships, deep industry knowledge, and focus on customer service.
Total Addressable Market (TAM)
The total addressable market (TAM) for banking software and related services is estimated to be in the tens of billions of dollars annually. Jack Henry is well-positioned to capture a significant portion of this market, given its established customer base and comprehensive product offerings.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Integrated product suite
- Deep industry expertise
- Consistent profitability
- Good financial stability
Weaknesses
- Slower innovation compared to fintech startups
- Reliance on legacy systems
- Limited international presence
- Can be expensive compared to more modular or cloud-based solutions
Opportunities
- Growing demand for digital banking solutions
- Expansion into new markets
- Strategic acquisitions
- Partnerships with fintech companies
- Increased regulatory compliance needs
Threats
- Increasing competition from fintech companies
- Cybersecurity threats
- Regulatory changes
- Economic downturn
- Consolidation of financial institutions
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Fiserv (FI)
- Global Payments (GPN)
Competitive Landscape
Jack Henry & Associates competes with larger, more diversified companies like FIS and Fiserv. Its advantage lies in its focus on community and regional financial institutions. However, it can lack the scale and resources of its larger competitors.
Major Acquisitions
Payrailz
- Year: 2022
- Acquisition Price (USD millions): 290
- Strategic Rationale: To enhance Jack Henry's payment processing capabilities with modern payment technology and accelerate its digital payment strategy.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been consistent, driven by organic growth and acquisitions.
Future Projections: Analysts project continued revenue and earnings growth in the mid-single digits. Demand for digital banking should continue.
Recent Initiatives: Recent initiatives include investments in cloud-based solutions and partnerships with fintech companies. Focusing on modernizing its product suite.
Summary
Jack Henry & Associates is a fundamentally sound company with a strong focus on community and regional financial institutions. Its consistent profitability, integrated product suite, and deep industry expertise position it well for future growth. However, it must continue to innovate and adapt to compete with fintech companies. Cybersecurity and regulatory compliance are key factors to monitor.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Analyst reports
- Company Website
- Market research reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change over time. Please consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Jack Henry & Associates Inc
Exchange NASDAQ | Headquaters Monett, MO, United States | ||
IPO Launch date 1985-11-20 | CEO & President Mr. Gregory R. Adelson | ||
Sector Technology | Industry Information Technology Services | Full time employees 7200 | Website https://www.jackhenry.com |
Full time employees 7200 | Website https://www.jackhenry.com | ||
Jack Henry & Associates, Inc., a financial technology company that connects people and financial institutions through technology solutions and payment processing services that reduce the barriers to financial health. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist of integrated applications required to process deposit, loan, and general ledger transactions, and maintain centralized customer/member information. The Payments segment provides secure payment processing tools and services, including ATM, debit, and credit card processing services, online and mobile bill pay solutions, ACH origination and remote deposit capture processing, and risk management products and svervices. The Complementary segment provides additional software, hosted processing platforms, and services, including digital/mobile banking, treasury services, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate and Other segment offers hardware and other products. The company offers specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. Its core banking platform offerings include SilverLake system, CIF 20/20, and Core Director, as well as core credit union platform under the Symitar name. In addition, the company provides digital products and services and electronic payment solutions; hardware systems; implementation, training, and support services; and software licensing and related services, as well as professional services, and data centers. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri.
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