Jack Henry & Associates Inc

  • Earnings Score
  • Moat Score
  • Safety Score
  • Final Score
  • Market Cap $12.46B
  • PE 31
  • Debt $150.00M
  • Cash $25.65M
  • EV $12.59B
  • FCF $472.78M

Earnings

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Sales & Net Margins

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Earnings$405.21M
EBIT$528.73M
ROE21%
ROA18%
FCF$472.78M
Equity$1.98B
Growth Stability94%
PE30.76
PEG4.38
PB6.31
P/FCF26.36
P/S5.48
Price/Cash0
Debt/Equity0.08
Debt/FCF0.32
Net Margins18%
Gross Margins41%
Op. Margins23%
Earnings CAGR5%
Sales Growth YoY5%
Sales Growth QoQ-5%
Sales CAGR6%
FCF CAGR4%
Equity CAGR7%
Earnings Stability0.58
Earnings Growth YoY6%
Earnings Growth QoQ-18%
Earnings CAGR 5Y7%
Sales CAGR 5Y7%
FCF CAGR 5Y-1%
Equity CAGR 5Y6%
Earnings CAGR 3Y7%
Sales CAGR 3Y7%
FCF CAGR 3Y1%
Equity CAGR 3Y15%
Market Cap$12.46B
Revenue$2.27B
Dividend Yield1%
Payout Ratio40%
Assets$2.91B
Total Debt$150.00M
Cash$25.65M
Shares Outstanding72.83M
EV12.59B
Earnings Score45%
Moat Score96%
Safety Score97%
Final Score79%
Working Capital82.43M
Current Ratio1.17
Gross Profit$941.53M
Shares Growth 3y-0%
Equity Growth QoQ3%
Equity Growth YoY15%

Assets & ROA

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Stockholders Equity & ROE

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Jack Henry is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing for U.S. banks and credit unions, with a focus on small and midsize banks. Jack Henry serves about 1,000 banks and 800 credit unions.

SEC Filings

Direct access to Jack Henry & Associates Inc (JKHY) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2024
    • 10-Q Dec 31
    • 10-Q Sep 30
    • 10-K Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-Q Dec 31
    • 10-Q Sep 30
    • 10-K Jun 30
    • 10-Q Mar 31
  • 2022
    • 10-Q Dec 31
    • 10-Q Sep 30
    • 10-K Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Jack Henry & Associates Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Jack Henry & Associates Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 5%
Stability 58%
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Jack Henry & Associates Inc Discounted Cash Flow

Fully customizable DCF calculator online for Jack Henry & Associates Inc.

= $6.4B
012345678910TV
fcf$473M$494M$515M$538M$562M$587M$613M$640M$668M$698M$729M$7.3B
DCF$449M$426M$404M$384M$364M$346M$328M$312M$296M$281M$2.8B
Value$6.4B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years06/201506/201606/201706/201806/201906/202006/202106/202206/202306/2024TTM
Net Margins17%18%17%25%18%17%18%19%18%17%18%
ROA-20%19%19%16%16%17%19%17%17%18%
ROE-25%24%30%19%19%24%26%23%21%21%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years06/201506/201606/201706/201806/201906/202006/202106/202206/202306/2024TTM
Debt over FCF-00.160000.230.240.80.290.32
Debt over Equity0.0500.050000.080.080.170.080.08
Growth Stability---100%94%100%99%100%100%100%94%

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years06/201506/201606/201706/201806/201906/202006/202106/202206/202306/2024CAGR 5Y
Revenue YoY growth-8%6%7%1%9%4%11%7%7%7%
Earnings YoY growth-18%-1%53%-28%9%5%17%1%4%7%
Equity YoY growth-0%4%23%13%8%-15%5%16%15%6%
FCF YoY growth--3%2%18%1%21%-4%7%-27%49%-1%