Stocktoria
JACK HENRY & ASSOCIATES INC JKHY
JACK HENRY & ASSOCIATES INC (JKHY) earns a Piotroski F-score of 7/9 (strong financial health), with an Altman Z″ in the safe zone. It pays a dividend yielding 1.72% (safety: safe). FY2025 revenue was $2.4B at a 19.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.74 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-07-08 | Barclays | Overweight (init) |
| 2026-06-18 | RBC Capital | Outperform (main) |
| 2026-05-13 | DA Davidson | Buy (main) |
| 2026-05-11 | DA Davidson | Buy (main) |
| 2026-05-07 | RBC Capital | Outperform (main) |
| 2026-05-07 | Goldman Sachs | Neutral (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 7/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.048 |
| Retained earnings / assets | 1.108 |
| EBIT / assets | 0.187 |
| Equity / liabilities | 2.334 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| JKHY | JACK HENRY & ASSOCIATES INC | 7/9 | 7.63 | 21 | +7.2% |
| UIS | UNISYS CORP | 1/9 | -2.99 | — | -2.9% |
| LNWO | Light & Wonder, Inc. | 4/9 | 1.89 | — | +4% |
| WAY | Waystar Holding Corp. | 5/9 | 2.47 | 31.5 | +16.5% |
| NTCT | NETSCOUT SYSTEMS INC | 6/9 | 3.95 | 31.1 | +4.5% |
| ECX | ECARX Holdings Inc. | 2/9 | -10.09 | — | +9.9% |
| AGYS | AGILYSYS INC | 8/9 | 4.97 | 74.5 | +15.9% |
About JACK HENRY & ASSOCIATES INC
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.
FAQ
Is JKHY financially healthy?
JACK HENRY & ASSOCIATES INC's Piotroski F-score is 7/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does JKHY pay a dividend, and is it safe?
Yes. JACK HENRY & ASSOCIATES INC pays a dividend yielding about 1.72% with a 36.1% payout ratio, rated “safe” for safety.
How profitable is JKHY?
In FY2025, JACK HENRY & ASSOCIATES INC had a net margin of 19.2% and a return on equity of 21.4%.
Is JKHY overvalued or undervalued?
JACK HENRY & ASSOCIATES INC trades at about 24.4× trailing earnings — below its 10-year norm (10-year range 27.2×–46.2×, median 36.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for JKHY?
The average Wall-Street price target for JACK HENRY & ASSOCIATES INC is $186.67, about 22.6% above the recent price, from 15 analysts (consensus: buy).
Is JKHY a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on JACK HENRY & ASSOCIATES INC: a Piotroski F-score of 7/9, an Altman Z″ in the safe zone, a P/E of about 21.0×, a dividend yield of 1.72%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-06-30. Facts plus Stocktoria's own computed scores — not investment advice.