Jack Henry & Associates, Inc. (JKHY) Stock Price & Analysis
Jack Henry & Associates, Inc. (JKHY) closed at USD 161.8 on Thursday, October 22, 2026, up 5.47% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 161.8; the Oct 22, 2026 session ranged USD 154.38–162.13 on volume of 848,669 shares. Market capitalization is —, with a 52-week range of USD 121.04–193.39 (NMS). Source: Nexqual, retrieved October 23, 2026 at 09:50 UTC.
Also available as compact Markdown for AI agents: nexqual.com/JKHY.md
Key facts (JKHY)
- Last four reported quarters (through Jun 30, 2026): revenue $2.54B, net income $503M (19.8% margin), free cash flow $695M (SEC filings).
- 1 of 80 tracked superinvestors hold JKHY (13F, Q2 2026): 0 new, 0 added, 1 reduced, 0 unchanged.
- Insider open-market purchases, last ~7 months: 2 Form 4 filings, $317K; 0 by opportunistic insiders, 0 by routine insiders.
- Total return with dividends: 1Y +5.5% vs S&P 500 +14.9%; 5Y -0.9% vs S&P 500 +80.3%.
- Next earnings: 2026-11-03, EPS estimate USD 2.01, revenue estimate $683M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (JKHY)
| USD | FY2022 | FY2023 | FY2024 | FY2025 | FY2026 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.94B | $2.08B | $2.22B | $2.38B | $2.54B | $2.54B |
| Gross profit | $814M | $859M | $916M | $1.01B | $1.11B | — |
| Operating income | $475M | $481M | $489M | $569M | $635M | $635M |
| Net income | $363M | $367M | $382M | $456M | $503M | $503M |
| EPS (diluted) | $4.94 | $5.02 | $5.23 | $6.24 | $6.98 | — |
| Free cash flow | $470M | $342M | $510M | $588M | $695M | $695M |
| Gross margin | 41.9% | 41.3% | 41.3% | 42.7% | 43.7% | — |
| Operating margin | 24.4% | 23.1% | 22.1% | 23.9% | 25.0% | 25.0% |
| Net margin | 18.7% | 17.6% | 17.2% | 19.2% | 19.8% | 19.8% |
| Revenue growth | +10.5% | +6.9% | +6.6% | +7.2% | +7.1% | — |
| Cash + short-term investments | $48.8M | $12.2M | $38.3M | $102M | $12.1M | — |
| Total debt | $115M | $275M | $150M | $0K | $40.0M | — |
Fiscal years end Jun. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (JKHY)
P/E at fiscal year-ends: Jun 2026 19.7x, Jun 2025 28.9x, Jun 2024 31.8x.
Superinvestors (SEC 13F-HR, Q2 2026) (JKHY)
1 of 80 tracked investors hold JKHY. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Torray Funds | 0.24% | $1.8M | Reduced -11.9% |
Insider purchases (SEC Form 4, open-market, last ~7 months) (JKHY)
2 purchases, $317K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-05-14 | Adelson Gregory R. | President & CEO | 2,000 | $267K | 133.42 | Too little history (no open-market trades in 2023–2025) |
| 2026-05-14 | Carsley Mimi | CFO and Treasurer | 375 | $50K | 134.12 | Too little history (no open-market trades in 2023–2025) |
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (JKHY)
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-09 | Piper Sandler | Upgrade | Neutral → Overweight | $175 |
| 2026-09-30 | RBC Capital | Reiterated | Outperform | $178 |
| 2026-09-30 | Morgan Stanley | Target lowered | Equal-Weight | $170 → $158 |
| 2026-09-28 | Seaport Global | Initiated | Buy | $193 |
| 2026-09-16 | Raymond James | Target raised | Strong Buy | $192 → $199 |
| 2026-09-16 | Piper Sandler | Target raised | Neutral | $171 → $175 |
| 2026-09-16 | RBC Capital | Reiterated | Outperform | $178 |
| 2026-09-14 | Keybanc | Initiated | Overweight | $190 |
| 2026-09-11 | Piper Sandler | Initiated | Neutral | $171 |
| 2026-09-02 | DA Davidson | Maintained | Buy | $198 |
| 2026-08-25 | Wolfe Research | Target raised | Outperform | $200 → $215 |
| 2026-08-24 | DA Davidson | Maintained | Buy | $198 |
Total return (dividends reinvested) (JKHY)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +5.5% | -0.9% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +5.5% | -0.2% |
| Volatility (annualized) | 29.9% | 23.8% |
| Max drawdown | -35.4% (Jan 2026→Jun 2026) | -37.0% (Aug 2022→Jun 2026) |
JKHY revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Payments | $240.4M | 37.3% | +4.9% |
| Core | $191.6M | 29.8% | +1.9% |
| Complementary | $188.8M | 29.3% | +4.7% |
| Total revenue | $644.0M | 100% | — |
JKHY revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Services and Support | $360.2M | 55.9% | +2.5% |
| Processing | $283.8M | 44.1% | +7.5% |
| Product Delivery and Service | $76.8M | 11.9% | -3.4% |
| Total revenue | $644.0M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
JKHY suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Supplier | Federal Deposit Insurance | “As a supplier of software and services to financial institutions, portions of our operations are subject to ongoing supervision and examination by the Office of the Comptroller of the Currency, the Federal Reserve Board, the Federal Deposit Insurance Corporation, and the Consumer Financial Protection Bureau.” |
Quoted from the company's 10-K filed Aug 28, 2026.
JKHY company outlook (results filed Aug 18, 2026)
- “Overall, we expect another strong performance in fiscal 2027." 6 Operating margin is calculated by dividing operating income by revenue.”
- “Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment. ***Non-GAAP adjustments unassigned to a segment were deconversion costs. 9 The table below shows our GAAP to non-GAAP guidance for the fiscal year ending June 30, 2027.”
- “Fiscal year 2027 non-GAAP guidance excludes the impacts of deconversion revenue and related operating expenses, acquisition revenues and related operating expenses, the revenues and operating expenses related to a contractual change, and the gain on assets, net, and assumes no additional acquisitions or dispositions will be made during the fiscal year.”
Quoted word-for-word from the SEC 8-K results press release.
JKHY analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $2.01 | $1.98 | +1.5% | $683.4M | 13 |
| Next quarter (ends Dec 2026) | $1.77 | $1.77 | -0.1% | $658.1M | 13 |
| Current fiscal year (ends Jun 2027) | $7.24 | $7.10 | +1.9% | $2.69B | 14 |
| Next fiscal year (ends Jun 2028) | $7.90 | $7.68 | +2.8% | $2.88B | 14 |
JKHY options: expected move
Options price a move of about ±7.7% (±$12.40) by Nov 20, 2026, which includes earnings on Nov 3, 2026. Over the last 8 reports the stock moved ±4.2% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 34.2% | ±7.7% |
| Dec 18, 2026 | 56 | 31.0% | ±9.7% |
| Mar 19, 2027 | 147 | 30.4% | ±15.3% |
| Jun 17, 2027 | 237 | 31.1% | ±19.8% |
30-day implied volatility 31% vs 33.4% realized over the last 30 trading days. Put/call ratio (volume) 0.73. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 09:50 UTC)
| Price | USD 161.8 |
|---|---|
| Change | ▲ 5.47% (up) |
| Previous Close | USD 161.8 |
| Open | USD 161.8 |
| Day Range | USD 154.38 – 162.13 |
| 52-Week Range | USD 121.04 – 193.39 |
| Volume | 848,669 shares |
| Market Cap | — |
| Exchange | NMS |
Technical Analysis (JKHY)
Nexqual's technical model rates JKHY "BUY" based on 5 bullish and 2 bearish signals across 127 daily candles, as of October 23, 2026 at 09:50 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 61.11 (neutral) |
| vs SMA50 | Above (USD 156.42) |
| MACD | 0.74 (positive) |
Earnings (JKHY)
| Next Earnings Date | 2026-11-03 |
|---|---|
| EPS Estimate | USD 2.01 |
| Revenue Estimate | $683.44M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.53 vs est 1.44 ▲ beat |
| 2026-03-31 | USD 1.56 vs est 1.42 ▲ beat |
| 2025-12-31 | USD 1.66 vs est 1.42 ▲ beat |
| 2025-09-30 | USD 1.86 vs est 1.65 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:50 UTC.
Financials & Fundamentals (JKHY)
| Total Revenue | $2.54B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +4.70% |
| Gross Margin | +43.90% |
| Operating Margin | +22.50% |
| Profit Margin | +19.76% |
| ROE | +24.04% |
| Debt / Equity | 0.04 |
| Current Ratio | 1.17 |
| Total Cash | $12.06M |
| Total Debt | $77.82M |
Source: Nexqual, October 23, 2026 at 09:50 UTC.
Ownership (JKHY)
| Insider Ownership | +0.62% |
|---|---|
| Institutional Ownership | +102.56% |
| Shares Outstanding | 70.11M |
| Float | 69.57M |
| Short % of Float | +6.86% |
Source: Nexqual, October 23, 2026 at 09:50 UTC.
From Jack Henry & Associates, Inc.'s Latest SEC 10-K Filing (filed 2026-08-28)
Key Strengths & Strategy (as disclosed to the SEC)
- The Jack Henry PlatformTM is the centerpiece of this strategy and operates as a single public cloud-native, API-first platform, which we are developing into a fully functional modern alternative for existing core functions.
- Although we believe our success depends upon our technical expertise more than our proprietary rights, our future success and ability to compete depend in part upon our proprietary technology.
- Instead, we rely on a combination of contractual rights, copyrights, trademarks, and trade secrets to establish and protect our proprietary technology.
- Despite our efforts to protect our proprietary rights, unauthorized parties can attempt to copy or otherwise obtain, or use our products or technology.
Partnerships
- Core banking platforms are: •SilverLake System®, a robust system primarily designed for commercial-focused banks that currently serves banks with assets ranging from $1 billion to up to $55 billion.
- Our core banking solutions generally serve commercial banks and savings institutions from de novo banks to those with up to $55 billion in assets.
Legal & Regulatory Risks (Item 1A, quoted)
- The software and services we provide to our clients are subject to government regulation that could hinder the development of our business, increase costs, or impose constraints on the way we conduct our operations.
- Compliance with data privacy and cybersecurity laws, regulations, and rules may adversely impact our expenses, development, and strategy.
- Failure to comply or readily address compliance and regulatory rule changes made by payment card networks could adversely affect our business.
- Our business may be adversely impacted by general U.S. and global market and economic conditions or specific conditions in the financial services industry.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
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| LDOS | Leidos Holdings, Inc. | USD 134.73 | ▲ 4.26% |
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Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:50 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt