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Jack Henry & Associates (JKHY) Stock Analysis

This is a peer-relative look at Jack Henry & Associates (JKHY): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Jack Henry & Associates (JKHY)
Profile ItemJKHY
NameJack Henry & Associates, Inc.
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupFinancial Services
GICS IndustryFinancial Services
GICS Sub-IndustryTransaction & Payment Processing Services
Market Capitalization12.15 billion USD
CurrencyUSD
ExchangeNasdaq
Listing DateNovember 20, 1985
Security TypeCommon Stock

Price Performance

Cumulative Growth

JKHY
GSPC
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Jack Henry & Associates (JKHY) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Jack Henry & Associates (JKHY) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Jack Henry & Associates (JKHY) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Jack Henry & Associates (JKHY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: JKHYIndustry group median
Total Return (1Y)9.28%1.90%
Total Return (3Y, Annualized)6.53%12.71%
Total Return (5Y, Annualized)3.04%2.81%

Risk Profile

Drawdown History

JKHY
GSPC
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Jack Henry & Associates (JKHY) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Jack Henry & Associates (JKHY) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Jack Henry & Associates (JKHY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: JKHYIndustry group median
Volatility (1Y, Annualized)31.51%36.24%
Beta (5Y)0.511.04
Max Drawdown (5Y)-38.35%-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. JKHY is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Jack Henry & Associates (JKHY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: JKHYIndustry group median
Sharpe Ratio (1Y)0.16-0.09
Sortino Ratio (1Y)0.23-0.13

Profitability

ROE (TTM)

No usable ROE is available for Jack Henry & Associates (JKHY) this period, so the shareholder-equity return read is skipped.

JKHY

Financial Services industry group

--

Group distribution
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
JKHY
--
Largest peers
MA
231.37%
V
63.51%
MS
18.04%
GS
17.71%
BRK.A
12.12%
BRK.B
12.12%
JKHY
--
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Jack Henry & Associates (JKHY) doesn’t report ROE this period; the box shows the Financial Services group’s distribution and the dots its largest members.

Net Margin (TTM)

Jack Henry & Associates (JKHY) keeps 19.96% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

JKHY

Financial Services industry group

19.96%

Group distribution
Max
62.84%
Q3
28.05%
JKHY
19.96%
Median
15.36%
Q1
4.82%
Min
-28.52%
Largest peers
V
51.20%
MA
46.73%
GS
31.21%
MS
25.63%
BRK.A
22.30%
BRK.B
22.30%
JKHY
19.96%
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Where Jack Henry & Associates (JKHY) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Jack Henry & Associates (JKHY) turns 29.52% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

JKHY

Financial Services industry group

29.52%

Group distribution
Max
107.33%
Q3
55.90%
Median
30.09%
JKHY
29.52%
Q1
14.60%
Min
-44.34%
Largest peers
V
63.73%
MA
60.53%
MS
39.00%
GS
38.37%
BRK.A
32.56%
BRK.B
32.56%
JKHY
29.52%
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Where Jack Henry & Associates (JKHY) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Jack Henry & Associates (JKHY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: JKHYIndustry group median
ROE (TTM)--12.91%
ROA (TTM)--3.60%
Net Margin (TTM)19.96%15.36%
Operating Margin (TTM)29.52%30.09%
Gross Margin (TTM)----

Growth

Revenue Growth

Jack Henry & Associates (JKHY) grew revenue 7.12%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

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Jack Henry & Associates (JKHY): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

Jack Henry & Associates (JKHY) grew earnings per share 11.86%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Jack Henry & Associates (JKHY): EPS Growth across different time periods, set against Financial Services industry-group medians.

Growth Metrics

Jack Henry & Associates (JKHY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: JKHYIndustry group median
Revenue Growth (YoY)7.12%9.46%
Revenue Growth (3Y CAGR)6.99%10.90%
EPS Growth (YoY)11.86%7.46%
EPS Growth (3Y CAGR)11.61%13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Jack Henry & Associates (JKHY) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Jack Henry & Associates (JKHY) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Jack Henry & Associates (JKHY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: JKHYIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Jack Henry & Associates (JKHY) has dividend yield of 1.34%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

JKHY

Financial Services industry group

1.34%

Group distribution
Max
9.77%
Q3
3.92%
JKHY
1.34%
Median
1.09%
Q1
0.00%
Min
0.00%
Largest peers
MS
2.40%
GS
2.07%
JKHY
1.34%
V
0.66%
MA
0.53%
BRK.A
0.00%
BRK.B
0.00%
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Where Jack Henry & Associates (JKHY) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Jack Henry & Associates (JKHY) has payout ratio of 33.10%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

JKHY

Financial Services industry group

33.10%

Group distribution
Max
241.07%
Q3
97.36%
JKHY
33.10%
Median
25.77%
Q1
0.00%
Min
0.00%
Largest peers
JKHY
33.10%
MS
32.91%
GS
25.88%
V
21.75%
MA
17.63%
BRK.A
0.00%
BRK.B
0.00%
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Where Jack Henry & Associates (JKHY) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Jack Henry & Associates (JKHY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: JKHYIndustry group median
Dividend Yield (TTM)1.34%1.09%
Dividend Payout Ratio (TTM)33.10%25.77%

Valuation

P/E Ratio (TTM)

Jack Henry & Associates (JKHY) trades at P/E ratio of 23.80, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

JKHY

Financial Services industry group

23.80

Group distribution
Max
45.85
Q3
24.64
JKHY
23.80
Median
15.37
Q1
9.68
Min
0.16
Largest peers
V
34.31
MA
34.15
JKHY
23.80
MS
14.39
BRK.A
14.36
BRK.B
14.36
GS
12.45
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Where Jack Henry & Associates (JKHY) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Jack Henry & Associates (JKHY) trades at 4.67 on P/S ratio, in the higher sales-valuation quartile. Investors are paying up for each dollar of revenue, so stronger margins, growth, or revenue quality need to carry that price.

JKHY

Financial Services industry group

4.67

Group distribution
Max
9.23
JKHY
4.67
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
Largest peers
V
17.18
MA
15.67
JKHY
4.67
MS
3.55
GS
3.52
BRK.A
3.18
BRK.B
3.18
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Where Jack Henry & Associates (JKHY) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Jack Henry & Associates (JKHY) trades at 5.92 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.

JKHY

Financial Services industry group

5.92

Group distribution
Max
7.79
JKHY
5.92
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
Largest peers
MA
84.30
V
22.05
JKHY
5.92
MS
2.65
GS
2.36
BRK.A
1.72
BRK.B
0.00
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Where Jack Henry & Associates (JKHY) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Jack Henry & Associates (JKHY) metric values compared with Financial Services industry-group medians
MetricCurrent stock: JKHYIndustry group median
P/E Ratio (TTM)23.8015.37
P/S Ratio (TTM)4.672.72
P/B Ratio (MRQ)5.921.57
Free Cash Flow Yield (TTM)----