JKHY
TechnologyJack Henry & Associates, Inc. · Information Technology Services · $10B
What is Jack Henry & Associates, Inc.?
Jack Henry & Associates is a technology and payment processing company serving community banks and credit unions across the United States. Founded in 1985 and headquartered in Monett, Missouri, it has built a focused niche in financial institution software.
Jack Henry generates revenue by providing core data processing, digital banking, and payment solutions to financial institutions. Its three primary brands — Jack Henry Banking, Symitar, and ProfitStars — serve commercial banks, credit unions, and other financial organizations with integrated software platforms and transaction processing services.
Jack Henry was founded in 1985 and is headquartered in Monett, Missouri.
- Core banking platforms for community and mid-size banks
- Symitar credit union processing solutions
- ProfitStars risk management and payments tools
- Digital and mobile banking services
Is JKHY a Good Stock to Buy?
UQS Score rates JKHY as Good overall.
The Quality and Risk pillars both come in at Good, reflecting a business model with recurring revenue characteristics and relatively measured financial risk. Valuation is also rated Good, suggesting the stock is not obviously expensive relative to its profile.
Growth is the weakest pillar, indicating expansion has been below average — a consideration for investors prioritizing top-line acceleration. Moat is rated Neutral, meaning competitive advantages are present but not dominant.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does JKHY pay dividends?
Yes — Jack Henry & Associates, Inc. pays a dividend.
Jack Henry pays a regular dividend, consistent with its mature, recurring-revenue business model. The company's stable cash generation from long-term contracts with financial institutions supports ongoing distributions to shareholders.
When does JKHY report earnings?
Jack Henry & Associates reports earnings on a quarterly cadence, typical for US-listed equities.
The company's results tend to reflect steady, subscription-driven revenue from its bank and credit union client base. Growth has been measured rather than rapid, consistent with its Weak Growth pillar rating.
For the most recent quarter's results, visit Jack Henry & Associates' investor relations page directly.
JKHY Price History
+7.1% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Jack Henry & Associates, Inc.?
Based on Jack Henry & Associates, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Jack Henry & Associates do?
Jack Henry provides technology platforms and payment processing services to community banks and credit unions. Its core brands — Jack Henry Banking, Symitar, and ProfitStars — deliver integrated software for deposit processing, digital banking, and risk management.
Does JKHY pay dividends?
Yes, Jack Henry pays a regular dividend. The company's recurring-revenue model and long-term client contracts support consistent dividend payments. Check the company's investor relations page for the current dividend schedule.
When does JKHY report earnings?
Jack Henry reports on a quarterly basis, in line with standard US-listed company practice. For exact upcoming report dates, refer to the investor relations section of the Jack Henry website.
Is JKHY a good stock to buy?
UQS Score rates JKHY as Good overall, with particular strength in Quality and Risk. Growth is rated Weak, which may matter depending on your investment goals. The full pillar breakdown is available to UQS Pro members.
Is JKHY overvalued?
The UQS Valuation pillar for JKHY is rated Good, suggesting the stock does not appear significantly overpriced relative to its quality profile. For detailed valuation metrics, sign up for a UQS Pro account.
What is JKHY's market cap bracket?
Jack Henry & Associates is classified as a large-cap company, reflecting its established scale within the financial technology sector.
Is JKHY a long-term quality investment?
From a long-term quality standpoint, JKHY scores Good on both Quality and Risk pillars, indicating a relatively stable business. However, the Weak Growth rating suggests investors should weigh whether the company's expansion pace aligns with their long-term expectations.
What sector does JKHY belong to?
Jack Henry & Associates operates in the Technology sector, specifically within financial technology — providing software and payment infrastructure to banks and credit unions rather than serving general consumers.
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Pro Analysis
JKHY — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 13, 2026 | 56.7 | 64.3 | 55.0 | 20.8 | 80.0 | 71.2 | +1.7 |
| May 7, 2026 | 55.0 | 61.9 | 55.0 | 20.3 | 76.4 | 68.4 | +0.4 |
| May 3, 2026 | 54.6 | 61.9 | 55.0 | 20.3 | 76.4 | 65.6 | -0.1 |
| Apr 26, 2026 | 54.7 | 61.9 | 55.0 | 20.3 | 76.4 | 66.3 | +0.2 |
| Apr 22, 2026 | 54.5 | 61.9 | 55.0 | 20.3 | 76.4 | 65.2 | -0.1 |
| Apr 19, 2026 | 54.6 | 61.9 | 55.0 | 20.4 | 76.4 | 65.5 | -0.2 |
| Apr 18, 2026 | 54.8 | 62.4 | 55.0 | 20.4 | 76.4 | 66.4 | +0.3 |
| Apr 14, 2026 | 54.5 | 62.4 | 55.0 | 20.4 | 76.4 | 64.0 | -0.2 |
| Apr 12, 2026 | 54.7 | 62.4 | 55.0 | 20.4 | 76.4 | 65.2 | +0.5 |
| Apr 11, 2026 | 54.2 | 62.4 | 55.0 | 20.4 | 76.4 | 62.0 | +0.1 |
JKHY — Pillar Breakdown
Quality
— 64.6/100 (25%)Jack Henry & Associates, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
How effectively capital is deployed to generate returns.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Asset productivity — how much gross profit each dollar of assets generates.
Free cash flow relative to market value.
Growth
— 20.8/100 (20%)Jack Henry & Associates, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 80.0/100 (15%)Jack Henry & Associates, Inc. carries minimal financial risk with conservative leverage and strong solvency.
Debt levels relative to earnings capacity.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 72.6/100 (15%)Jack Henry & Associates, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 55/100 (25%)Jack Henry & Associates, Inc. has meaningful competitive advantages that should protect its market position. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for JKHY.
Score Composition
Financial Data
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How is the JKHY UQS Score Calculated?
The UQS (Unified Quality Score) for Jack Henry & Associates, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Jack Henry & Associates, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Jack Henry & Associates, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.