JKHY$165.27
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AI JKHY Summary
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Powered by LiveAIOverall Analysis
BuyJack Henry & Associates exhibits strong fundamentals with consistent profitability and a solid financial position. The company operates in a stable sector with moderate growth potential. Technical indicators show a mixed short-term picture, while thematic exposure is less pronounced but present.
Thematic
Jack Henry & Associates is positioned within the financial technology sector, benefiting from digitalization trends in banking and payments. However, it is not at the forefront of disruptive emerging technologies.
Fundamental
Jack Henry & Associates demonstrates strong profitability, consistent revenue growth, and a healthy balance sheet. Its valuation is reasonable given its financial performance and market position.
Technical
The stock is trading above key moving averages, indicating a generally bullish trend. However, some short-term indicators suggest it might be approaching overbought territory, hinting at potential consolidation.
| Factor | Score |
|---|---|
| Digital Transformation in Finance | 70 |
| Payment Modernization | 65 |
| AI in Financial Services | 45 |
| Regulatory Compliance Technology | 75 |
| Cybersecurity in Finance | 60 |
| Factor | Score |
|---|---|
| Valuation | 75 |
| Profitability | 85 |
| Growth | 70 |
| Balance Sheet Health | 95 |
| Cash Flow | 90 |
| Earnings Consistency | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 80 |
| Momentum | 70 |
| Volume Confirmation | 60 |
| Support & Resistance | 70 |
| Short-Term Oscillators | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent Earnings Beats
Jack Henry & Associates (JKHY) has consistently beaten EPS estimates, with 10 out of the last 12 quarters showing positive surprises, indicating strong operational execution and management efficiency.
Attractive P/E Ratio Relative to Growth
The trailing P/E ratio of 30.87 is reasonable given the company's EPS growth (5.86). A PEG ratio can be inferred to be favorable if growth rates are sufficiently high, suggesting potential undervaluation compared to growth prospects.
Bearish Points (7)
Elevated Quarterly P/E Ratio
The quarterly P/E ratio reached as high as 151.2 in Q1 2024, which is significantly elevated and may indicate the stock is overvalued based on short-term earnings, posing a risk of price correction if earnings do not sustain this level.
Slowing Revenue Growth Trend
While annual revenue grew from $1.76B in 2021 to $2.21B in 2024, the quarterly revenue figures show fluctuations and a recent dip in Q2 2024 ($559.9M) compared to Q3 2024 ($600.9M) and Q1 2025 ($585M), suggesting potential near-term headwinds or seasonality in revenue.
Calendar
May 2025
29
Ex-Dividend Date
June 2025
18
Next Dividend Date
August 2025
20
Next Earnings Date
H: $1.56
A: $1.50
L: $1.44
H: 603.00M
A: 601.36M
L: 599.00M
Profile
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.
Seasonals
Price Target
191.68 USD
The 39 analysts offering 1 year price forecasts for JKHY have a max estimate of 212.00 and a min estimate of 175.00.
Debt Level and Coverage
Financial Position Analysis
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Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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