Jack Henry & Associates, Inc. (JKHY)
Jack Henry & Associates provides the essential software and technology systems that help smaller, community-focused banks and credit unions run their daily operations.
Is Jack Henry & Associates, Inc. a good stock for a UK beginner?
The honest version: Jack Henry & Associates provides the essential software and technology systems that help smaller, community-focused banks and credit unions run their daily operations.
Over about 2 years to 2026-07-31. This is the share price only - reinvesting the dividends would add to it. And it's the USD return - as a UK investor your actual £ return also moves with the exchange rate. Past performance is not a guide to the future, and it could just as easily have fallen.
Based on beta - how much the price swings versus the whole market. Bumpier isn't bad; it just means a rougher ride, which matters more the sooner you might need the money.
Prices move on results, news and the mood of the whole market - no single headline explains a day, and a quiet week is usually just noise, not a signal.
Dominance in the community banking sector through superior software integration.
Major technological shift that makes their core software obsolete.
What does Jack Henry & Associates, Inc. do?
Think of Jack Henry as the digital backbone for local banks; they provide the behind-the-scenes software that handles everything from processing payments to managing customer accounts. They make their money primarily through long-term service contracts and subscription fees, which creates a very steady, predictable stream of income. How well they keep these smaller financial institutions on modern tech without losing the personal touch that makes them popular is the thing to follow.
On our factor screen it looks strongest on quality and income, and weakest on value.
- ✓Pays a dividend - about 1.5% a year
- ✓Growing - revenue up about 9% over the year
- ✓Very profitable - turns about 21% of sales into profit
- ✓Low debt - a sturdier balance sheet
- ✓Strong return on shareholder money (ROE 25%)
- Quality screens high (71/100)
- Highly predictable revenue from long-term contracts
- Strong profit margins showing efficient operations
- Low volatility compared to the broader stock market
- Cybersecurity threats targeting financial infrastructure
- Consolidation in the banking industry reducing the number of potential clients
- Rapidly changing technology making current software platforms outdated
What do Jack Henry & Associates, Inc.'s numbers mean?
How much money does Jack Henry & Associates, Inc. make?
Revenue and profit by quarter, and how much of each sale turns into profit.
Does Jack Henry & Associates, Inc. pay a dividend?
Yes - Jack Henry & Associates, Inc. currently pays a dividend of about 1.5% a year (the yearly payout as a share of the price). A dividend is a slice of profit handed to shareholders; the yield moves as the price moves, and a company can cut or stop it.
When does Jack Henry & Associates, Inc. report earnings, and how did recent quarters go?
Jack Henry & Associates, Inc. is next scheduled to report on about 2026-08-18 - dates can move, and we don't predict results; this just tells you when to look.
Each quarter a company reports its results against what analysts expected. ‘Beating’ or ‘missing’ is about that expectation, not whether the business is doing well in absolute terms.
| Reported | Expected EPS: The earnings per share analysts expected for the quarter - the average of their forecasts. 'Beating' or 'missing' is measured against this number. | Actual EPS | vs expected |
|---|---|---|---|
| 2026-05-05 | $1.42 | $1.56 | Beat +10% |
| 2026-02-03 | $1.42 | $1.66 | Beat +17% |
| 2025-11-04 | $1.65 | $1.86 | Beat +13% |
| 2025-08-19 | $1.50 | $1.56 | Beat +4% |
| 2025-05-06 | $1.33 | $1.45 | Beat +9% |
| 2025-02-04 | $1.32 | $1.35 | Beat +2% |
Across the last 6 quarters here, Jack Henry & Associates, Inc. came in ahead of what analysts expected 6 times. One quarter is noise, not a trend.
See who else reports over the next two weeks →
Reported vs expected earnings per share (EPS) from published results; the expectation is the analyst consensus, not our view. Report dates are estimates that can move.
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Hewlett Packard EnterpriseWhat are the scenarios for Jack Henry & Associates, Inc.?
An illustrative range for the year ahead, with the assumption behind each case — not a prediction or a price target.
What are the pros and cons of Jack Henry & Associates, Inc.?
How many points the write-up makes each way — a balance check, not a score or verdict.
- Highly predictable revenue from long-term contracts
- Strong profit margins showing efficient operations
- Low volatility compared to the broader stock market
- Essential service provider for a stable industry
- Growth is tied to the health of smaller, regional banks
- High price-to-book ratio suggests the shares are not 'cheap' by traditional measures
- Recent share price decline indicates some investor caution
- Cybersecurity threats targeting financial infrastructure
- Consolidation in the banking industry reducing the number of potential clients
- Rapidly changing technology making current software platforms outdated
The write-up's own warning lights — if these start happening, the case above changes.
- A significant drop in the number of community banks and credit unions
- A sustained period where revenue growth falls below the rate of inflation
Built from public filings & market prices, checked for an education-only tone, and never a price target. How we make these →
This plain-English summary was auto-generated on 2026-08-01 from public data and checked for an education-only, no-advice tone (the figures above carry their own, usually fresher, 'as of' date). It's information, never a recommendation.