JKHY · Jack Henry & Associates Inc

Track JKHY — free

$143.80 -0.04 (-0.03%)

S&P 500 member Russell 1000 member Rebalance outlook locked

Market Cap

$10.36B

70.11M

Volume · Oct 1 1.06M Avg daily vol (3M) 1.05M

Up next

Next earnings call

Nov 29, 2026 Est · unconfirmed · in 8 wks

Latest filing: 10-K

filed Aug 28, 2026

Q4 2026 earnings call transcript

call held Aug 19, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

View all 115 metrics

Revenue (TTM)

$2.54B

Trailing 12 months

Net income (TTM)

$502.78M

Trailing 12 months

Revenue growth YoY

+4.7%

Year over year

Operating margin

25.0%

Trailing 12 months

P / E (TTM)

20.5

Trailing earnings · reciprocal yield 4.9%

FCF yield

6.7%

TTM · current market cap

Return on invested capital

—

Trailing 12 months

Net cash

—

Latest balance sheet

Dividend yield

—

Trailing 12 months

Shares change YoY

-1.4%

Year over year · fewer shares

Price change (1Y)

-3.8%

Trailing year

Short interest

6.1%

Latest settlement · 4.7 days to cover

View all 115 metrics

AI Brief

Q4 FY26 earnings call · Aug 19, 2026

Q4 FY26

TL;DR. Jack Henry reported record fiscal 2026 results, with non-GAAP revenue up 7% and full-year non-GAAP operating margin expanding 92 bps to 24%, alongside a record 58 competitive core wins (including the largest new bank client in company history, Wood Forest at $9.2B in assets). For fiscal 2027, the company guided non-GAAP revenue growth of 6.3%-7.3% and non-GAAP margin expansion of 20-40 bps, citing headwinds from medical cost normalization and AI/infrastructure investments, while returning 122% of free cash flow to investors in fiscal 2026.

Bullish

+ Record fiscal 2026 non-GAAP revenue up 7% to $2.5B with full-year non-GAAP operating margin expanding 92 bps to 24%, the third consecutive year of 60+ bps expansion.
+ Record 58 competitive core wins in fiscal 2026, surpassing the prior record of 57 set in 2019 and 2024, with 14 wins from institutions over $1B in assets.
+ Signed the largest new bank client in company history, Wood Forest National Bank ($9.2B in assets), and won 45 core deals over $1B in assets representing ~$98B in total assets over the past three years.
+ Trifecta deals (core + digital + card) rose to 59% of core wins in fiscal 2026, up from 39% the prior year, and 60% of total sales were new contracts versus 45% the prior year.

Bearish

− Q4 SG&A expense increased 19% on both GAAP and non-GAAP bases driven by higher personnel costs including increased medical costs from 'second-half normalization trends'.
− Fiscal 2027 guidance flags headwinds from self-insured medical costs normalizing, plus rising cyber, infrastructure, AI/frontier-model, and EC2030 data center consolidation investments.
− Q1 fiscal 2027 non-GAAP revenue growth is expected to come in 'modestly below the low end' of the full-year guidance range due to the Connect conference timing shift and one-time revenue items.

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Equibles Rating

blended score · not investment advice

Overall

Sell

SellHoldBuy

Technical Sell Momentum Very Weak Sentiment Neutral Fundamentals Strong Quant / Vol Moderate

Market backdrop VIX 16.4 · calm Equity put/call 0.57

Technical

price trend

Sell

50 / 200-day cross No cross

Price vs 200-day avg −9%

below

Price vs 50-day avg −9%

below

RSI (14) 32

neutral

MACD trend Negative

52-week position 30%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Weak

1-month return −14%

trailing

6-month return −2%

trailing

YTD return −21%

this year

Relative strength −15%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $157 › 200d $158 — 200d above 50d

Institutional flow Distributing

1 of 715 funds reported for Sep 30 · net -50 sh shares

Insider flow Flat

No net insider activity over 90 days

Short interest Falling

6.10% of float · ▼ -1.1% MoM · 4.7 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

715 holders — mid 3-yr range

Squeeze score 53

elevated · 0–100

Fundamentals

Strong

Revenue growth +7%

Y/Y

Gross margin 40%

contracting

EPS growth +12%

Y/Y

Free cash flow $694.9M

Valuation P/E 21.2

in line

Balance sheet $102.0M

net cash

Quant / Vol

risk profile

Moderate

Volatility 29%

annualized · 1-yr

Max drawdown −36%

past year

ATR 3.1%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Beat or met 8 of last 8

Latest guidance · from the Earnings Call filed Aug 19, 2026

full year

Full-year GAAP revenue growth guidance 5.5% – 6.5%

Non-GAAP revenue 6.3% – 7.3%

Full-year GAAP tax rate 23%

GAAP EPS $7.33 – $7.38

prior FY $6.98 midpoint +5.4% Y/Y

Free cash flow conversion 85% – 100%

fiscal 2027

Deconversion revenue Initiated $23M

first quarter

Deconversion revenue $11M

Guided vs delivered · last 8 settled

EPS Full year fiscal 2025

guided $5.78 – $5.87

guided $5.78 – $5.87 $6.24 Beat +7.1%

GAAP EPS Full year fiscal 2024

guided $5.15 – $5.19

guided $5.15 – $5.19 $5.23 Beat +1.2%

GAAP EPS FY22

guided $4.06 – $4.07

guided $4.06 – $4.07 $4.94 Beat +21.4%

EPS guidance FY 2021

guided $3.98 – $4.02

guided $3.98 – $4.02 $4.12 Beat +3.0%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Sell

3 · 4 · 0

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

−9% Bearish

Price vs 50-day avg

−9% Bearish

RSI (14)

32 Neutral

MACD trend

Negative Bearish

52-week position

30% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $157 › 200d $158 — 200d above 50d

Institutional flow Distributing

1 of 715 funds reported for Sep 30 · net -50 sh shares

Insider flow Flat

No net insider activity over 90 days

Short interest Falling

6.10% of float · ▼ -1.1% MoM · 4.7 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

715 holders — mid 3-yr range

Price context

position in its 52-week range

Range low $123 Now $144 · 30% Range high $193

vs 200-day avg -9% vs 50-day avg -9%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Processing revenue	$1.1B	fiscal 2026 filing	+8.2%

Clients	7,200	as described in the About section	—
Competitive core wins	58	fiscal 2026	—
Free cash flow conversion (excluding proceeds from sale of assets) non-GAAP	100.7%	Year Ended June 30, 2026	—
FY'26 EBITDA growth non-GAAP	9.4%	Year Ended June 30, 2026	—
Non-GAAP adjusted net income non-GAAP	$477.07M	Year Ended June 30, 2026	—
GAAP → non-GAAP reconciliation GAAP GAAP Net Income $502.78M -$29.95M Net income from deconversions +$0K Net income related to a contract change -$6.83M Gain on assets, net +$2.96M Net loss from the acquisition +$8.12M Tax impact of adjustments = NON-GAAP ADJUSTED NET INCOME $477.07M
Non-GAAP adjusted operating income non-GAAP	$601.21M	Year Ended June 30, 2026	—
GAAP → non-GAAP reconciliation GAAP GAAP Operating Income $635.03M -$29.95M Operating income from deconversions +$0K Operating income related to a contract change -$6.83M Gain on assets, net +$2.96M Operating loss from the acquisition = NON-GAAP ADJUSTED OPERATING INCOME $601.21M
Non-GAAP Adjusted Operating Margin non-GAAP	24.1%	Year Ended June 30, 2026	—
Non-GAAP adjusted revenue non-GAAP	$2.5B	Year Ended June 30, 2026	—
GAAP → non-GAAP reconciliation GAAP GAAP Revenue $2.54B -$42.83M Deconversion revenue +$0K Revenue related to a contract change -$5.19M Revenue from the acquisition = NON-GAAP ADJUSTED REVENUE $2.5B
Non-GAAP Adjusted Segment Income non-GAAP	451.53M	Year Ended June 30, 2026	—
Non-GAAP Adjusted Segment Income Margin non-GAAP	60.1%	Year Ended June 30, 2026	—
NOPAT ROIC non-GAAP	23.2%	Year Ended June 30, 2026	—
Operating cash conversion non-GAAP	151.6%	Year Ended June 30, 2026	—
Return on Average Stockholders' Equity	24%	Year Ended June 30, 2026	—
ROIC	23.2%	fiscal year 2026	—
Segment Income Margin	60.3%	Year Ended June 30, 2026	—
Stock repurchases	$448M	fiscal year ended June 30, 2026	—
deconversion revenue	$42.8M	Aug 11, 2026	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Information Technology Services — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
JKHY Jack Henry & Associates Inc this stock	$10.36B	-21.2%	+7.4%	21.2	6.1%
IBM International Business Machines Corp	$212.46B	-23.8%	+7.6%	20.0	2.4%
ACN Accenture plc	$116.59B	-20.9%	+7.4%	14.0	3.7%
INFY Infosys Ltd	$42.53B	-36.3%	—	—	3.1%
CTSH Cognizant Technology Solutions Corp	$27.26B	-26.7%	+7.0%	12.5	7.6%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Reducing

Holders

715

% held: 99.2%
Reported: 1 of 715
Top holder: KAYNE ANDERSON RUDNICK IN…

Held Float

View

Held by Funds

Fund positions

639

View

Short & Settlement

Short Interest Falling

Shares short

4.3M

Days to cover: 4.7d
Change: -47.9K sh

View

Short Volume

Short vol %

63%

As of: Oct 1, 2026

Short Total

View

Fails to Deliver

FTD shares

377

Value: $60.7K
As of: Sep 14, 2026

View

Off-Exchange

Off-exchange %

45.5%

Week of: Aug 24, 2026

Off-exch Lit

View

Smart Money

Congressional Trades Buy

Member

Gilbert Cisneros

Amount: $1.0K–$15.0K
Traded: Jun 16, 2026

View

Financials

Revenue (FY)

$2.5B

Net income (FY): $502.8M
EPS diluted: $6.98

View

Buybacks

Remaining

shares 5.5M

View

Filings

SEC Filings

Latest

10-K

Filed: Aug 28, 2026
This year: 13

View

Proposed Sales

Value

$3.8M

Shares: 22.5K
Filed: Aug 24, 2026

View

Earnings & Events

Webcasts

Last webcast

Sep 29, 2026

View

Investor Relations

Upcoming events

View

Performance

	5D	20D	120D	MTD	YTD
JKHY	-2.7%	-13.9%	-2.3%	+0.4%	-21.2%
SPY	-0.4%	-0.2%	+12.4%	+0.2%	+12.0%
vs SPY	-2.2%	-13.7%	-14.7%	+0.2%	-33.2%

Capital returns

Buyback program · as of Jun 30, 2026

Authorized

—

Spent (derived)

—

Remaining

shares 5.46M

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 779152 CUSIP 426281101 13F (30d) 26 filings 14 filers Visit website Investor relations

JKHY · Jack Henry & Associates Inc

Price & Indicators

Up next

Metrics snapshot

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns