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Company Analysis

Jack Henry & Associates, Inc. JKHY

A comprehensive view of key metrics, scores, and financial health for Jack Henry & Associates, Inc.

Overview of Jack Henry & Associates, Inc.

JKHY NMS
Technology Information Technology Services Framework: Software & SaaS Large Cap
Jack Henry & Associates, Inc. (JKHY), is a Large Cap company, in the Information Technology Services industry, last closed at $159.83, about 0.8% undervalued vs fair value, -0.2% 1Y return, placing in the top 25% of its sector.
Metrics Gross Margin 43.7%
USD 159.83
-3.51%
(Delayed)
• Vol 90d: 32.8%
52-Week Range
Market Cap
$10.37B
Enterprise Value
$10.40B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 100%
Confidence: 62%
Updated: Sep 12
Top Beats

Quick Facts

Website https://www.jackhenry.com
HQ Monett, MO
Employees 7,200
Fiscal year Jun 30

Next Events

Earnings Nov 3 Estimated

Fair Value Snapshot

Bear Base Bull
$148
$161
$176
Current: $159.83 +1% vs base

Engine Room Money Flow™

Large Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$2.5B
7.1%%
Gross Profit
$1.1B
9.5%%
Operating Income (GAAP)
$635.0M
11.7%%
Operating Cash Flow
$762.0M
18.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
43.7%
Fair

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$618.6M
122.1% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
3
Active Leaks
1/3
Improving
0
High Impact
1
Critical
Locked Leak
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Locked Leak
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Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating Jack Henry & Associates, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
77
/100
Strong
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Premium Software Margins Gross margin quality is strong versus peers (score 0.89), consistent with premium software economics.
  • Revenue Converts Cleanly to Cash Cash conversion is strong (score 0.94), showing scalable economics.

Key risks

  • Liquidity Cushion Looks Thin Liquidity position is weak (score 0.33), leaving less room for error.
  • Returns Lack Durability Return durability is weak (score 0.00), reducing confidence in moat durability.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Pricing Power

Strong
88
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 94% Coverage
Trade-Off Triangle Visualization A ternary plot showing JKHY's balance between Growth (24.8%), Profitability (37.7%), and Safety (37.5%). Growth 25% Safety 38% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

42th percentile vs peers
43
Key Signals
Rev Growth YoY 7.2% 43p Revenue CAGR 3Y 6.9% 45p Buyback % -0.1% 68p TSR -16.4% 41p Def Rev Growth -6.6% 25p
Strengths
  • Interest Coverage Ratio in top 20% of peers (57.14, 89th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Operating Cash Flow Margin in top 20% of peers (27.0%, 81th percentile)
Risks

No significant risks identified for this axis.

Profitability

65th percentile vs peers
65
Key Signals
Strengths
Risks
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Safety

64th percentile vs peers
65
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Jack Henry & Associates, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$161.03
- - -
+0.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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