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JKHY 
Jack Henry & Associates Inc (JKHY)
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Upturn Advisory Summary
01/09/2026: JKHY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $191.86
1 Year Target Price $191.86
| 4 | Strong Buy |
| 0 | Buy |
| 14 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.6% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 13.64B USD | Price to earnings Ratio 28.58 | 1Y Target Price 191.86 |
Price to earnings Ratio 28.58 | 1Y Target Price 191.86 | ||
Volume (30-day avg) 19 | Beta 0.73 | 52 Weeks Range 143.64 - 194.03 | Updated Date 01/9/2026 |
52 Weeks Range 143.64 - 194.03 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 1.23% | Basic EPS (TTM) 6.57 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.87% | Operating Margin (TTM) 28.55% |
Management Effectiveness
Return on Assets (TTM) 12.58% | Return on Equity (TTM) 23.45% |
Valuation
Trailing PE 28.58 | Forward PE 29.67 | Enterprise Value 13443736238 | Price to Sales(TTM) 5.64 |
Enterprise Value 13443736238 | Price to Sales(TTM) 5.64 | ||
Enterprise Value to Revenue 5.56 | Enterprise Value to EBITDA 16.12 | Shares Outstanding 72377132 | Shares Floating 71885691 |
Shares Outstanding 72377132 | Shares Floating 71885691 | ||
Percent Insiders 0.59 | Percent Institutions 100.85 |
Upturn AI SWOT
Jack Henry & Associates Inc
Company Overview
History and Background
Jack Henry & Associates Inc. was founded in 1976 by Jack Henry and John Tracy in Monett, Missouri. Initially focused on providing data processing services to community banks, the company has evolved significantly over the decades. Key milestones include its IPO in 1987, expansion into new technology solutions, and a consistent strategy of organic growth supplemented by strategic acquisitions. The company has remained dedicated to serving financial institutions, adapting its offerings to meet the evolving technological needs of banks and credit unions.
Core Business Areas
- Core Banking Solutions: Provides integrated technology solutions for financial institutions, including core processing systems, digital banking platforms, and payment processing. These solutions help banks manage customer accounts, conduct transactions, and offer digital services.
- Payments Solutions: Offers a suite of payment solutions that enable financial institutions to process various types of transactions, including ACH, wire transfers, and card payments, with a focus on security and efficiency.
- Technology and Consulting Services: Delivers a range of technology services, including IT infrastructure management, cybersecurity solutions, and strategic consulting to help financial institutions optimize their technology operations and navigate regulatory changes.
Leadership and Structure
Jack Henry & Associates Inc. operates with a management team led by a CEO, CFO, and other senior executives responsible for different business segments and corporate functions. The company is structured around its core product and service offerings, with dedicated teams focused on product development, sales, customer support, and strategic partnerships. While specific names and titles are subject to change, the leadership emphasizes operational efficiency, customer focus, and innovation within the financial technology sector.
Top Products and Market Share
Key Offerings
- Core Processing Systems (e.g., Symitar, Jack Henry):: These are the foundational systems that financial institutions use to manage customer accounts, loans, deposits, and other core banking functions. Market share is significant within the community and regional bank segment. Competitors include Fiserv (with its DNA platform), FIS (with its NCP platform), and Temenos. Specific market share data for individual products is not publicly disclosed by JKH, but the company is a leading provider in its segment.
- Digital Banking Platforms (e.g., Banno):: Offers comprehensive digital solutions for online and mobile banking, providing customers with a seamless and modern banking experience. These platforms are crucial for customer acquisition and retention. Competitors include Finastra, Q2, and Alkami Technology.
- Payments and Treasury Solutions: A suite of services for payment processing, fraud detection, and treasury management, crucial for the operational efficiency of financial institutions. This area competes with specialized payment processors and larger fintech companies.
Market Dynamics
Industry Overview
The financial technology (FinTech) industry, particularly the segment serving financial institutions, is characterized by rapid technological advancement, increasing regulatory scrutiny, and a growing demand for digital and integrated solutions. Banks and credit unions are under pressure to modernize their infrastructure to compete with larger institutions and agile fintech startups, driving demand for core banking modernization, digital transformation, and cybersecurity solutions.
Positioning
Jack Henry & Associates Inc. is a leading provider of core processing and technology solutions for community and regional financial institutions in the United States. Its competitive advantages lie in its deep understanding of the banking sector, its established client base, its robust and integrated product suite, and its commitment to customer service and regulatory compliance. The company is well-positioned to benefit from the ongoing digital transformation within the financial industry.
Total Addressable Market (TAM)
The TAM for core banking and financial technology solutions for financial institutions is substantial and growing, estimated to be in the tens of billions of dollars globally. This market includes core banking systems, digital banking, payments, analytics, and cybersecurity. Jack Henry & Associates Inc. primarily targets the US market for community and regional banks and credit unions, a significant segment within this larger TAM. The company holds a strong position within its niche, serving a large number of financial institutions.
Upturn SWOT Analysis
Strengths
- Strong and loyal customer base within the community and regional banking sector.
- Comprehensive and integrated suite of technology solutions.
- Deep industry expertise and understanding of financial institution needs.
- Reputation for reliability and stability.
- Significant investment in research and development.
Weaknesses
- Reliance on legacy systems in some areas, requiring continuous modernization.
- Potential for slower adoption of cutting-edge technologies compared to pure-play fintech startups.
- Competition from larger, more diversified financial technology providers.
- Market saturation in certain segments of the community banking sector.
Opportunities
- Continued demand for digital transformation and modernization from financial institutions.
- Expansion into new product areas like data analytics and AI-driven services.
- Growth in the credit union market.
- Strategic partnerships and potential for further acquisitions.
- Leveraging cloud technologies for enhanced scalability and efficiency.
Threats
- Increasing competition from large fintech players and challenger banks.
- Cybersecurity threats and data breaches.
- Evolving regulatory landscape that could impact compliance costs.
- Economic downturns affecting the profitability of financial institutions.
- Rapid technological obsolescence requiring constant innovation.
Competitors and Market Share
Key Competitors
- Fiserv Inc. (FISV)
- Fidelity National Information Services Inc. (FIS)
- Temenos AG (TEMN.SW - Swiss-listed, but significant US presence)
- Q2 Holdings Inc. (QTWO)
- Alkami Technology, Inc. (ALKT)
Competitive Landscape
Jack Henry & Associates Inc. competes in a dynamic and consolidated market. Its strength lies in its dedicated focus on community and regional banks, offering integrated solutions with strong customer support. Larger competitors like Fiserv and FIS have broader offerings, including services for larger enterprises, while specialized players like Q2 and Alkami focus heavily on digital engagement. Jack Henry's advantage is its deep relationship-based approach and its ability to provide a comprehensive, all-in-one platform.
Major Acquisitions
Apiture
- Year: 2021
- Acquisition Price (USD millions): 150
- Strategic Rationale: To enhance its digital banking capabilities and offer more modern, customer-centric digital experiences to its financial institution clients.
Meridian Outbound
- Year: 2019
- Acquisition Price (USD millions): 36
- Strategic Rationale: To expand its payment processing services and enhance its treasury management solutions.
Growth Trajectory and Initiatives
Historical Growth: Jack Henry & Associates Inc. has exhibited a consistent and steady growth trajectory over the past several years, driven by its strong market position, recurring revenue model, and strategic focus on providing essential technology solutions to financial institutions. The company has successfully navigated industry shifts by adapting its product offerings and investing in innovation.
Future Projections: Analyst estimates suggest continued revenue and earnings growth for Jack Henry & Associates Inc. The company is expected to benefit from the ongoing digital transformation in the financial services sector, increased demand for cloud-based solutions, and potential expansion into adjacent markets. Projections generally indicate a mid-to-high single-digit percentage growth in revenue and earnings over the next few years.
Recent Initiatives: Recent initiatives likely include investments in enhancing its digital banking platforms, strengthening its cybersecurity offerings, expanding cloud-native capabilities, and exploring strategic partnerships to broaden its service ecosystem. The company also continues to evaluate potential acquisitions to complement its existing business or enter new strategic areas.
Summary
Jack Henry & Associates Inc. is a robust player in the financial technology sector, excelling in providing core banking and digital solutions to community and regional financial institutions. Its strengths lie in its loyal customer base, integrated product suite, and deep industry expertise, ensuring consistent revenue and profit growth. While facing competition from larger and more agile fintech firms, the company's strategic focus on its niche and ongoing investments in modernization position it well for continued success. Key areas to monitor include cybersecurity and the pace of its digital transformation.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company's Investor Relations website and SEC filings (10-K, 10-Q)
- Financial data aggregators (e.g., Yahoo Finance, Refinitiv, Bloomberg)
- Industry research reports and market analysis publications
Disclaimers:
This information is for informational purposes only and does not constitute financial advice. Historical financial data and market share estimates are based on publicly available information and may not be entirely precise or comprehensive. Future projections are subject to change and involve inherent risks and uncertainties. Investors should conduct their own due diligence 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 & Director 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. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. 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, general ledger transactions, and maintain centralized accountholder information. The Payments segment offers secure payment processing tools and services, including ATM, automated clearing house origination and remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions. The Complementary segment provides software, and hosted processing platforms and services comprising digital/mobile banking, treasury, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate and Other segment offers hardware and other products. It offers specialized financial performance, imaging and payment, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. The company also provides SilverLake system, a system primarily designed for commercial-focused banks; Symitar, a system designed for credit unions; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and service solutions; data center solutions; and data and transaction processing, and software licensing and related services, as well as professional services. The company was founded in 1976 and is headquartered in Monett, Missouri.
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