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JKJKHY

Jack Henry & Associates, Inc.

$JKHY·$11B·Information Technology Services·Technology
$156.53+1.6%
Mentions · last 7 days
2026-07-26: 0 posts2026-07-27: 1 posts2026-07-28: 2 posts2026-07-29: 2 posts2026-07-30: 2 posts2026-07-31: 4 posts2026-08-01: 1 posts12
Price updated 3m ago·X counts updated 2d ago
JKJKHY
$JKHYJack Henry & Associates, Inc.
$156.53+1.62%12 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $JKHY, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersEvent coming upAI verdict · as of 2026-08-03

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

Jack Henry & Associates is the community-financial-institution-fintech franchise at 46%-of-range — Aug 18 Q4 FY26 print plus 4-quarter beat streak plus MCBANK selection is the substance.

Jack Henry & Associates Inc. is a specific US-listed community-financial-technology franchise — Core (core banking platforms for banks/credit unions), Payments, Complementary, and Corporate-and-Other segments serving US community financial institutions. Up 1% today, YTD n/a, t12m n/a on the sample, sitting at the 46th percentile of the 52-week range on an Aug-18-earnings tape.

Where it stands:

  • The business is executing on scale-plus-margin: reported quarters at $615M-$645M revenue with gross margin holding at 43-46%, operating margin 24-29%, and EPS printing $1.75, $1.98, $1.72, $1.71 — with 7-10% YoY revenue growth quarter after quarter.
  • The valuation is elevated but consistent with quality: TTM P/E of 22, forward P/E of 23 on FY26 EPS estimates of $6.85 rising to FY27 estimates of $7.25 and FY28 estimates of $7.88 (n=9-10 analysts). Price-to-sales of 4.4, EV/EBITDA of 12.4, ROE 24.0%, ROIC 18.6%, and a 6.7% FCF yield describe a specific quality-plus-consistency setup. Zero debt.
  • The 4-quarter earnings-beat streak is uniformly constructive: EPS $1.71 vs $1.43 (+20%), $1.72 vs $1.43 (+20%), $1.97 vs $1.71 (+15%), $1.75 vs $1.58 (+11%) — the specific pattern of a franchise where consensus is chronically low against the community-fintech execution.
  • The strategic tape is uniformly bullish: MCBANK Selects Jack Henry to Power Relationship-Driven Banking 7/30 plus Jack Henry Named a Best Company to Work For plus Dimensional Fund Advisors Purchases 86,810 Shares.

Aug 18 Q4 FY26 earnings needs continued Core-plus-Payments-plus-Complementary revenue growth plus dated commentary on the community-financial-institution demand and FY27 guidance trajectory to trigger the event-ahead tape; a specific customer-consolidation walk-back or a margin-compression disclosure would take the stock back toward the 200-day base.

What to watch: Aug 18 Q4 FY26 earnings — good = continued Core-plus-Payments-plus-Complementary revenue growth with dated commentary on the community-financial-institution demand and FY27 guidance trajectory; bad = a specific customer-consolidation walk-back or a margin-compression disclosure, which takes the stock back toward the 200-day base.

On the calendar: 2026-08-18 — Q4 FY26 earnings

Read the AI verdict + X sentiment for $JKHY

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What it does

Plain-English summary of the business — what they sell and how they make money.

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.

Industry overviewAI analysisGenerated by AI from underlying data

Where Information Technology Services sits in its cycle right now — and what that implies for $JKHY.

Information Technology Services · Technology

No material change from last week — SAIC, CACI, and LDOS benefit from multi-year DoD AI production contracts converting from pilots to deployed systems.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-12.4%YTD
-15.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
21.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
18.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
26.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
6.6%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
4.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
24.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
44.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 5, 2026$1.71$1.43+19.6%
Q4 2025Feb 3, 2026$1.72$1.43+20.3%
Q3 2025Nov 4, 2025$1.97$1.71+15.2%
Q2 2025Aug 19, 2025$1.75$1.58+10.8%
Next earningsTue, Aug 18·consensus EPS $1.46

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q3 FY26$636.2M+8.7%42.8%24.4%$1.71$169.5M
Q2 FY26$619.3M+7.9%43.3%25.7%$1.72$131.4M
Q1 FY26$644.7M+7.3%45.9%28.5%$1.98$111.7M
Q4 FY25$615.4M+9.9%44.1%25.3%$1.75$314.9M

Forward consensus

4-year forecast · up to 11 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$2.5B$2.5B – $2.5B$6.85$6.84 – $6.8611
FY27$2.7B$2.7B – $2.7B$7.25$6.66 – $7.5910
FY28$2.9B$2.8B – $2.9B$7.88$7.59 – $8.2910
FY29$3.0B$3.0B – $3.1B$8.93$8.85 – $8.991

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.46%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+10.0%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-3.4%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 70.6M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.5% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.575-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyMay 14Gregory R. AdelsonCEO2.0K sh$267KBuyMay 14Mimi CarsleyCFO375 sh$50K
+ 2 other (1 exempt · 1 gift) in window

See when $JKHY insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Here's Why Jack Henry (JKHY) is a Strong Growth Stockzacks.com·3d agoConestoga SMid Cap Composite Q2 2026 Portfolio Reviewseekingalpha.com·3d agoMCBANK Selects Jack Henry to Power Relationship-Driven Bankingprnewswire.com·5d agoDimensional Fund Advisors LP Purchases 86,810 Shares of Jack Henry & Associates, Inc. $JKHYdefenseworld.net·6d agoJack Henry Named a Best Company to Work For in U.S. News & World Report's 2026 - 2027 Rankingprnewswire.com·6d ago

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