JACK HENRY & ASSOCIATES INC (JKHY) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does JACK HENRY & ASSOCIATES INC Do?
Jack Henry & Associates, Inc. provides technology solutions and payment processing services primarily for financial services organizations in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutions under the Jack Henry Banking brand; core data processing solutions for various credit unions under the Symitar brand; and specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial institutions and corporate entities under the ProfitStars brand. It also provides a suite of integrated applications required to process deposit, loan, and general ledger transactions, as well as to maintain centralized customer/member information; and complementary products and services that enable core bank and credit union clients to respond to evolving customer/member demands. The company's Jack Henry Banking business brand offers SilverLake, a robust primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven, easy-to-use system for banks; and Core Director, a cost-efficient system with point-and-click operation. Its Symitar business brand provides Episys, a robust designed for credit unions. In addition, the company offers digital products and services and electronic payment solutions; purchases and resells hardware systems, including servers, workstations, scanners, and other devices; and provides implementation, training, and support services. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri. JACK HENRY & ASSOCIATES INC (JKHY) is classified as a large-cap stock in the Technology sector, specifically within the Computer Software industry. The company is led by CEO David B. Foss and employs approximately 6,850 people. With a market capitalization of $11.2B, JKHY is one of the prominent companies in the Technology sector.
JACK HENRY & ASSOCIATES INC (JKHY) Stock Rating — Hold (April 2026)
As of April 2026, JACK HENRY & ASSOCIATES INC receives a Hold rating with a composite score of 44.5/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.JKHY ranks #1,606 out of 4,446 stocks in our coverage universe. Within the Technology sector, JACK HENRY & ASSOCIATES INC ranks #174 of 584 stocks, placing it in the upper half of its Technology peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
JKHY Stock Price and 52-Week Range
JACK HENRY & ASSOCIATES INC (JKHY) currently trades at $148.17. The stock lost $5.21 (3.4%) in the most recent trading session. The 52-week high for JKHY is $193.39, which means the stock is currently trading -23.4% from its annual peak. The 52-week low is $144.12, putting the stock 2.8% above its annual trough. Recent trading volume was 755K shares, suggesting relatively thin trading activity.
Is JKHY Overvalued or Undervalued? — Valuation Analysis
JACK HENRY & ASSOCIATES INC (JKHY) carries a value factor score of 44/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 23.92x, compared to the Technology sector average of 45.27x — a discount of 47%. The price-to-book ratio stands at 5.19x, versus the sector average of 3.16x. The price-to-sales ratio is 4.72x, compared to 1.06x for the average Technology stock. On an enterprise value basis, JKHY trades at 18.89x EV/EBITDA, versus 12.79x for the sector.
Overall, JKHY's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
JACK HENRY & ASSOCIATES INC Profitability — ROE, Margins, and Quality Score
JACK HENRY & ASSOCIATES INC (JKHY) earns a quality factor score of 50/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 21.7%, compared to the Technology sector average of -1.4%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 15.6% versus the sector average of -1.0%.
On a margin basis, JACK HENRY & ASSOCIATES INC reports gross margins of 43.3%, compared to 50.9% for the sector. The operating margin is 24.8% (sector: -0.5%). Net profit margin stands at 19.6%, versus -1.5% for the average Technology stock. Revenue growth is running at 3.0% on a trailing basis, compared to 14.2% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
JKHY Debt, Balance Sheet, and Financial Health
JACK HENRY & ASSOCIATES INC has a debt-to-equity ratio of 39.0%, compared to the Technology sector average of 43.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 1.60x, suggesting adequate working capital coverage.
JKHY has a beta of 0.39, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for JACK HENRY & ASSOCIATES INC is 88/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
JACK HENRY & ASSOCIATES INC Revenue and Earnings History — Quarterly Trend
In TTM 2026, JACK HENRY & ASSOCIATES INC reported revenue of $2.42B and earnings per share (EPS) of $1.73. Net income for the quarter was $478M. Gross margin was 43.3%. Operating income came in at $605M.
In Q2 2026, JACK HENRY & ASSOCIATES INC reported revenue of $619M and earnings per share (EPS) of $1.73. Net income for the quarter was $125M. Gross margin was 43.3%. Revenue grew 7.9% year-over-year compared to Q2 2025. Operating income came in at $159M.
In Q1 2026, JACK HENRY & ASSOCIATES INC reported revenue of $645M and earnings per share (EPS) of $1.98. Net income for the quarter was $144M. Gross margin was 45.9%. Revenue grew 7.3% year-over-year compared to Q1 2025. Operating income came in at $184M.
In FY 2025, JACK HENRY & ASSOCIATES INC reported revenue of $2.38B and earnings per share (EPS) of $6.25. Net income for the quarter was $456M. Gross margin was 42.7%. Revenue grew 7.2% year-over-year compared to FY 2024. Operating income came in at $569M.
Over the past 8 quarters, JACK HENRY & ASSOCIATES INC has demonstrated a growth trajectory, with revenue expanding from $2.22B to $2.42B. Investors analyzing JKHY stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
JKHY Dividend Yield and Income Analysis
JACK HENRY & ASSOCIATES INC (JKHY) currently pays a dividend yield of 1.5%. At this yield, a $10,000 investment in JKHY stock would generate approximately $$154.00 in annual dividend income. With a net margin of 19.6%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
JKHY Momentum and Technical Analysis Profile
JACK HENRY & ASSOCIATES INC (JKHY) has a momentum factor score of 37/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 32/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 15/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
JKHY vs Competitors — Technology Sector Ranking and Peer Comparison
Within the Technology sector, JACK HENRY & ASSOCIATES INC (JKHY) ranks #174 out of 584 stocks based on the Blank Capital composite score. This places JKHY in the upper half of all Technology stocks in our coverage universe. Key competitors and sector peers include IHS Holding Ltd (IHS) with a score of 55.0/100, VERISIGN INC/CA (VRSN) with a score of 56.0/100, ESCO TECHNOLOGIES INC (ESE) with a score of 51.7/100, CareCloud, Inc. (CCLD) with a score of 46.9/100, and MMTec, Inc. (MTC) with a score of 47.4/100.
Comparing JKHY against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full JKHY vs S&P 500 (SPY) comparison to assess how JACK HENRY & ASSOCIATES INC stacks up against the broader market across all factor dimensions.
JKHY Next Earnings Date
No upcoming earnings date has been announced for JACK HENRY & ASSOCIATES INC (JKHY) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy JKHY? — Investment Thesis Summary
JACK HENRY & ASSOCIATES INC presents a balanced picture with arguments on both sides. Momentum is weak at 37/100, a headwind for near-term performance. Low volatility (stability score 88/100) reduces downside risk.
In summary, JACK HENRY & ASSOCIATES INC (JKHY) earns a Hold rating with a composite score of 44.5/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on JKHY stock.
Related Resources for JKHY Investors
Explore more research and tools: JKHY vs S&P 500 comparison, top Technology stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare JKHY head-to-head with peers: JKHY vs IHS, JKHY vs VRSN, JKHY vs ESE.