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Upturn AI SWOT - About
JKHY 
Jack Henry & Associates Inc (JKHY)
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Upturn Advisory Summary
10/13/2025: 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 $183.18
1 Year Target Price $183.18
| 4 | Strong Buy |
| 0 | Buy |
| 14 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.65% | 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 10/13/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.01B USD | Price to earnings Ratio 24.29 | 1Y Target Price 183.18 |
Price to earnings Ratio 24.29 | 1Y Target Price 183.18 | ||
Volume (30-day avg) 19 | Beta 0.78 | 52 Weeks Range 144.12 - 194.68 | Updated Date 10/13/2025 |
52 Weeks Range 144.12 - 194.68 | Updated Date 10/13/2025 | ||
Dividends yield (FY) 1.51% | Basic EPS (TTM) 6.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.19% | Operating Margin (TTM) 25.3% |
Management Effectiveness
Return on Assets (TTM) 11.91% | Return on Equity (TTM) 22.94% |
Valuation
Trailing PE 24.29 | Forward PE 22.83 | Enterprise Value 10761775119 | Price to Sales(TTM) 4.64 |
Enterprise Value 10761775119 | Price to Sales(TTM) 4.64 | ||
Enterprise Value to Revenue 4.53 | Enterprise Value to EBITDA 13.43 | Shares Outstanding 72665198 | Shares Floating 72357642 |
Shares Outstanding 72665198 | Shares Floating 72357642 | ||
Percent Insiders 0.6 | Percent Institutions 100.43 |
Upturn AI SWOT
Jack Henry & Associates Inc
Company Overview
History and Background
Jack Henry & Associates Inc. was founded in 1976 by Jack Henry and Jerry Hall. Initially focused on providing data processing services to agricultural businesses, it evolved into a provider of technology solutions for financial institutions. Over the years, Jack Henry expanded its product offerings through organic growth and strategic acquisitions.
Core Business Areas
- Core Banking Solutions: Provides core banking platforms and related services to banks and credit unions, facilitating account management, loan processing, and regulatory compliance.
- Payments Solutions: Offers payment processing services, including card processing, ACH origination, and electronic bill presentment and payment.
- Complementary Solutions: Delivers a range of complementary solutions such as information security, fraud detection, and digital banking platforms.
Leadership and Structure
The company is led by a management team reporting to the Board of Directors. The organizational structure comprises different business units focused on specific product lines and customer segments.
Top Products and Market Share
Key Offerings
- SilverLake System: A core banking platform designed for commercial banks. While specific market share data is difficult to pinpoint, it's considered a leading solution for mid-tier banks. Competitors include FIS (FIS), Fiserv (FI), and Temenos.
- Symitar Episys: A core processing platform for credit unions. Competitors are Fiserv (FI) and CU Direct.
- Banno Digital Platform: A digital banking platform offering online and mobile banking solutions. Competitors include Q2 Holdings (QTWO), Alkami Technology (ALKT) and Fiserv (FI).
Market Dynamics
Industry Overview
The financial technology (fintech) industry is experiencing rapid growth, driven by increasing digitalization, regulatory changes, and the need for enhanced customer experiences. Competition is intense, with established players and emerging startups vying for market share.
Positioning
Jack Henry is a well-established player in the fintech industry, focusing on providing integrated solutions to community and regional financial institutions. Its competitive advantage lies in its long-standing relationships with these institutions and its comprehensive suite of products.
Total Addressable Market (TAM)
The TAM for financial technology serving community and regional financial institutions is estimated to be in the tens of billions of dollars. Jack Henry is positioned to capture a significant portion of this market through its existing customer base and expanding product offerings.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Comprehensive product suite
- Established reputation
- Recurring revenue model
- Focus on community and regional financial institutions
Weaknesses
- Reliance on traditional technology infrastructure
- Slower pace of innovation compared to some competitors
- Potential vulnerability to disruption from fintech startups
- Geographic concentration of customer base
Opportunities
- Expansion into new markets
- Development of innovative products and services
- Strategic acquisitions of complementary businesses
- Increased adoption of cloud-based solutions
- Partnerships with fintech startups
Threats
- Increased competition from established players and startups
- Regulatory changes
- Cybersecurity threats
- Economic downturn
- Rapid technological advancements
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Fiserv (FI)
- Q2 Holdings (QTWO)
Competitive Landscape
Jack Henry's competitive advantage lies in its focus on community and regional financial institutions, but faces stiff competition from larger and more diversified players like FIS and Fiserv.
Major Acquisitions
Payrailz
- Year: 2022
- Acquisition Price (USD millions): 290
- Strategic Rationale: Expanded Jack Henry's payment processing capabilities and enhanced its digital payments platform.
Growth Trajectory and Initiatives
Historical Growth: Jack Henry has experienced steady growth over the years, driven by organic expansion and acquisitions.
Future Projections: Analyst projections suggest continued growth for Jack Henry, driven by increasing demand for fintech solutions.
Recent Initiatives: Recent initiatives include the development of new digital banking platforms and strategic partnerships.
Summary
Jack Henry & Associates Inc. is a well-established fintech company with a strong focus on community and regional financial institutions. Its comprehensive product suite and long-standing customer relationships are major strengths. It needs to innovate faster to stay competitive. Cyber security and regulatory changes need to be monitored to stay on top.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Industry analysis
- Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and based on available estimates.
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 7240 | Website https://www.jackhenry.com |
Full time employees 7240 | 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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