Jack Henry & Associates, Inc. (JKHY) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q1 27	$1.44	$1.53	+6.3%	—	—	—
Q4 26	$1.42	$1.56	+9.9%	—	—	—
Q3 26	$1.42	$1.66	+16.9%	—	—	—
Q2 26	$1.65	$1.86	+12.7%	—	—	—
Q1 26	$1.5	$1.56	+4.0%	—	—	—
Q4 25	$1.33	$1.45	+9.0%	—	—	—
Q3 25	$1.32	$1.35	+2.3%	—	—	—
Q2 25	$1.6	$1.59	-0.6%	—	—	—
Q1 25	$1.3	$1.33	+2.3%	—	—	—
Q4 24	$1.16	$1.19	+2.6%	—	—	—
Q3 24	$1.13	$1.22	+8.0%	—	—	—
Q2 24	$1.32	$1.39	+5.3%	—	—	—
Q1 24	$1.18	$1.34	+13.6%	—	—	—
Q4 23	$1.1	$1.12	+1.8%	—	—	—
Q3 23	$1.11	$1.1	-0.9%	—	—	—
Q2 23	$1.4	$1.46	+4.3%	—	—	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY26	—	$7.18	—	—	$2.5B	—
FY25	—	$6.26	—	—	$2.4B	—
FY24	—	$5.24	—	—	$2.2B	—
FY23	—	$5.03	—	—	$2.1B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Revenue	$1.4B	$1.5B	$1.6B	$1.7B	$1.8B	$1.9B	$2.1B	$2.2B	$2.4B	$2.5B
YoY change	+2.48%	+5.94%	+5.57%	+9.3%	+3.6%	+10.5%	+6.94%	+6.63%	+7.21%	+7.12%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Revenue	1.4B	1.5B	1.6B	1.7B	1.8B	1.9B	2.1B	2.2B	2.4B	2.5B
Cost of revenue	805.9M	853.1M	923M	1B	1.1B	1.1B	1.2B	1.3B	1.4B	1.4B
Gross profit	582.4M	617.7M	629.7M	688.6M	694.8M	814.3M	858.6M	916.1M	1B	1.1B
Gross margin	42%	42%	40.6%	40.6%	39.5%	41.9%	41.3%	41.3%	42.7%	43.7%
Research & development	84.8M	90.3M	96.4M	110M	109M	121.4M	142.7M	148.3M	162.8M	176.4M
Selling, general & administrative	159.2M	171.7M	186M	198M	187.1M	218.3M	235.3M	278.4M	283.1M	299.2M
Operating expenses	244M	262.1M	282.4M	308M	296.1M	339.7M	378M	426.7M	445.8M	475.7M
Operating income	338.4M	355.6M	347.3M	380.6M	398.7M	474.6M	480.7M	489.4M	568.7M	635M
Operating margin	24.4%	24.2%	22.4%	22.4%	22.7%	24.4%	23.1%	22.1%	23.9%	25%
Non-operating income, net	3.3M	1.9M	—	—	—	—	—	—	—	—
Pretax income	341M	356.2M	347.2M	381.1M	397.7M	472.3M	474.6M	498M	586M	652.8M
Income tax	111.4M	-8.9M	75.3M	84.4M	86.3M	109.4M	107.9M	116.2M	130.3M	150M
Net income	229.6M	365M	271.9M	296.7M	311.5M	362.9M	366.6M	381.8M	455.7M	502.8M
Net margin	16.5%	24.8%	17.5%	17.5%	17.7%	18.7%	17.6%	17.2%	19.2%	19.8%
EBITDA	478.5M	508.2M	508.8M	553.6M	574.6M	652.3M	680.4M	714.3M	801.2M	871.4M
EPS	3.17	4.88	3.53	3.87	4.21	4.98	5.03	5.24	6.26	7.18
Diluted EPS	3.14	4.85	3.52	3.86	4.12	4.94	5.02	5.23	6.24	6.98

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	Q3 26	Q4 26
Revenue	571.4M	545.7M	538.6M	559.9M	601M	573.8M	585.1M	615.4M	644.7M	619.3M	636.2M	644M
Cost of revenue	323M	321M	328.2M	327.3M	343.4M	332.9M	340.6M	343.9M	348.6M	351M	363.9M	370.2M
Gross profit	248.4M	224.7M	210.3M	232.6M	257.6M	241M	244.5M	271.5M	296.2M	268.3M	272.3M	273.8M
Gross margin	43.5%	41.2%	39.1%	41.5%	42.9%	42%	41.8%	44.1%	45.9%	43.3%	42.8%	42.5%
Research & development	36.9M	35.5M	36M	39.9M	39.7M	41.1M	39.4M	42.6M	39.3M	42.2M	45.1M	49.8M
Selling, general & administrative	78.8M	70.3M	62.2M	67.1M	66.6M	76.9M	66.3M	73.2M	72.8M	67M	72.2M	87.2M
Operating expenses	115.7M	105.8M	98.2M	107M	106.3M	118M	105.8M	115.8M	112.1M	109.2M	117.3M	137.1M
Operating income	132.7M	119M	112.1M	125.6M	151.3M	123M	138.7M	155.7M	184.1M	159.1M	155M	136.8M
Operating margin	23.2%	21.8%	20.8%	22.4%	25.2%	21.4%	23.7%	25.3%	28.5%	25.7%	24.4%	21.2%
Non-operating income, net	—	—	—	—	—	—	—	—	—	—	—	—
Pretax income	133.2M	120.2M	114.2M	130.4M	156.8M	127.4M	141.9M	159.9M	190.3M	164.2M	158.5M	139.7M
Income tax	31.6M	28.3M	27.1M	29.3M	37.6M	29.5M	30.8M	32.3M	46.3M	39.5M	35.6M	28.5M
Net income	101.7M	92M	87.1M	101.1M	119.2M	97.8M	111.1M	127.6M	144M	124.7M	122.9M	111.2M
Net margin	17.8%	16.9%	16.2%	18.1%	19.8%	17.1%	19%	20.7%	22.3%	20.1%	19.3%	17.3%
EBITDA	186.7M	174M	168.7M	185M	210.1M	181.9M	195.7M	213.5M	243.1M	218.5M	213.6M	196.3M
EPS	1.4	1.26	1.19	1.39	1.63	1.34	1.53	1.75	1.98	1.73	1.73	1.59
Diluted EPS	1.39	1.26	1.19	1.38	1.63	1.34	1.52	1.75	1.97	1.72	1.71	1.57

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26	Current
Market cap	8B	10.1B	10.3B	14.1B	12.1B	13.1B	12.2B	12.1B	13.1B	9.7B	10.4B
Enterprise value	8B	10B	10.2B	13.9B	12.1B	13.2B	12.5B	12.2B	13B	9.7B	10.4B
Shares outstanding	77.4M	77.2M	77M	76.6M	74M	72.9M	72.9M	72.9M	72.8M	70.1M	70.1M

Valuation

Metric	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26	Current
P/E	35	27.6	37.9	47.5	38.8	36.2	33.3	31.7	28.8	19.2	21.1
P/S	5.79	6.84	6.64	8.31	6.88	6.75	5.87	5.46	5.52	3.79	4.06
P/B	7.79	7.6	7.21	9.1	9.17	9.5	7.58	6.57	6.16	4.7	5.03
EV/EBITDA	16.7	19.7	20.1	25.1	21.1	20.2	18.3	17.1	16.3	11.1	14.8
EV/Sales	5.75	6.82	6.58	8.18	6.91	6.79	6	5.51	5.48	3.8	4.1
Earnings yield	2.85%	3.63%	2.64%	2.1%	2.57%	2.77%	3.01%	3.16%	3.47%	5.21%	4.73%
FCF yield	2.6%	2.61%	2.53%	2.36%	2.51%	2.39%	1.43%	2.77%	3.13%	5.25%	3.4%
PEG	—	—	—	—	—	—	—	—	—	—	-2.25

Profitability

Metric	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26	Current
Gross margin	42%	42%	40.6%	40.6%	39.5%	41.9%	41.3%	41.3%	42.7%	43.7%	42.5%
Operating margin	24.4%	24.2%	22.4%	22.4%	22.7%	24.4%	23.1%	22.1%	23.9%	25%	22.5%
Net margin	16.5%	24.8%	17.5%	17.5%	17.7%	18.7%	17.6%	17.2%	19.2%	19.8%	19.8%
ROE	22.2%	27.6%	19%	19.1%	23.6%	26.3%	22.8%	20.7%	21.4%	24.5%	24%
ROA	12%	18%	12.4%	12.2%	13.3%	14.8%	13.2%	13.1%	15%	16%	13%
ROIC	23.6%	27.5%	20.4%	22.2%	22.8%	25.2%	19.8%	19.2%	21.8%	23.5%	23.5%
Return on tangible assets	411.9%	-243.1%	-529.7%	237.7%	3.4K%	522.5%	-265.2%	-1.3K%	713.7%	883.7%	883.7%

Financial health

Metric	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26	Current
Current ratio	1.1	1.05	1.21	1.35	1.04	1.13	1.2	1	1.27	1.17	1.17
Quick ratio	1.1	1.05	1.21	1.35	1.04	1.13	1.2	1	1.27	1.17	1.17
Debt / equity	0.05	—	0	0	0.08	0.08	0.17	0.08	—	0.02	0.04
Debt / assets	0.03	—	0	0	0.04	0.05	0.1	0.05	—	0.01	0.01
Net debt / EBITDA	-0.14	—	-0.18	-0.38	0.09	0.1	0.39	0.16	—	0.03	0.03
Interest coverage	343.3	186.5	376	554.9	348.7	199.1	32.5	31.4	57.1	122.2	122.2
Effective tax rate	32.7%	0%	21.7%	22.1%	21.7%	23.2%	22.7%	23.3%	22.2%	23%	23%

Per share

Metric	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26	Current
Revenue per share	17.9	19.1	20.2	22.1	23.8	26.7	28.5	30.4	32.6	36.3	35.4
EPS (basic)	3.17	4.88	3.53	3.87	4.21	4.98	5.03	5.24	6.26	7.18	7.18
EPS (diluted)	3.14	4.85	3.52	3.86	4.12	4.94	5.02	5.23	6.24	6.98	6.97
Book value per share	13.3	17.1	18.6	20.2	17.8	19	22.1	25.3	29.3	29.3	29.3
FCF per share	2.7	3.4	3.38	4.35	4.11	4.3	2.39	4.61	5.63	7.23	7.15
Cash per share	1.48	0.41	1.22	2.78	0.69	0.67	0.17	0.53	1.4	0.17	0.17
Capex per share	—	—	—	—	—	—	—	—	0.73	0.96	0.95

Capital allocation

Metric	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26	Current
Capex / revenue	—	—	—	—	—	—	—	—	2.25%	2.64%	2.64%
Capex / operating cash flow	—	—	—	—	—	—	—	—	8.32%	8.81%	8.81%
Payout ratio	39.9%	28.8%	43.7%	43%	43%	38.3%	40.2%	40.8%	36.1%	33.9%	34.1%
Dividend yield	1.14%	1.04%	1.15%	0.9%	1.11%	1.06%	1.21%	1.29%	1.25%	1.77%	1.65%

Yield

1.65%

trailing twelve months

Frequency

Quarterly

Last dividend

$0.61

ex-dividend Sep 4, 2026

Payout ratio

34%

of earnings

Dividend growth

12 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Sep 4, 2026	$0.61
Jun 1, 2026	$0.61
Mar 5, 2026	$0.61

Period	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	Q3 26	Q4 26
Revenue	$571.4M	$545.7M	$538.6M	$559.9M	$601M	$573.8M	$585.1M	$615.4M	$644.7M	$619.3M	$636.2M	$644M
YoY change	+7.97%	+7.99%	+5.9%	+4.73%	+5.18%	+5.16%	+8.64%	+9.91%	+7.28%	+7.93%	+8.74%	+4.66%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Cash & short-term investments	114.8M	31.4M	93.6M	213.3M	51M	48.8M	12.2M	38.3M	102M	12.1M
Receivables	276.9M	297.3M	310.1M	300.9M	313.8M	355.7M	369.2M	340.5M	324.6M	355.4M
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	520M	470.7M	569.4M	669.1M	543.7M	613.5M	628M	632M	681.5M	649.1M
Property, plant & equipment	139.6M	141.6M	125.3M	127.2M	103.4M	82.4M	75.7M	81.2M	82.1M	128.3M
Goodwill & intangibles	1.9B	2.2B	2.2B	2.3B	2.3B	2.4B	2.9B	3B	3B	3.1B
Total assets	1.9B	2B	2.2B	2.4B	2.3B	2.5B	2.8B	2.9B	3B	3.1B
Accounts payable	6.8M	30.4M	9.8M	9.9M	18.5M	21M	19.2M	25.3M	28.2M	34.9M
Short-term debt	—	—	—	115K	110K	67K	—	90M	—	—
Total current liabilities	471.2M	448.1M	470M	494.8M	520.9M	543.8M	523.8M	633.8M	535.8M	556.2M
Long-term debt	50M	—	0	208K	100.1M	115M	275M	60M	—	40M
Total liabilities	876.9M	710.2M	755.8M	878.8M	1B	1.1B	1.2B	1.1B	913.1M	1.1B
Shareholders' equity	1B	1.3B	1.4B	1.5B	1.3B	1.4B	1.6B	1.8B	2.1B	2.1B
Total debt	50M	—	0	323K	100.2M	115.1M	275M	150M	—	40M
Net debt	-64.8M	—	-93.6M	-213M	49.2M	66.3M	262.8M	111.7M	—	27.9M

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	Q3 26	Q4 26
Cash & short-term investments	31.5M	26.7M	27.3M	38.3M	43.2M	25.7M	39.9M	102M	36.2M	28.2M	20.6M	12.1M
Receivables	296.9M	278.7M	271.1M	340.5M	313.9M	290.1M	288.7M	324.6M	314.5M	304.9M	288.9M	355.4M
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	563.5M	554.3M	522.6M	632M	634.5M	579.8M	593.2M	681.5M	651.7M	615.8M	594.8M	649.1M
Property, plant & equipment	-476.9M	-464.9M	-475.2M	81.2M	-485.1M	-495.8M	-505.7M	82.1M	-499.9M	-470M	-469.2M	128.3M
Goodwill & intangibles	2.9B	2.9B	2.9B	3B	3B	3B	3B	3B	3.1B	3.1B	3.1B	3.1B
Total assets	2.7B	2.8B	2.8B	2.9B	2.9B	2.9B	2.9B	3B	3B	3.1B	3.1B	3.1B
Accounts payable	20.3M	18.7M	26.9M	25.3M	20.5M	23.6M	12.8M	28.2M	17.7M	17.5M	19.9M	34.9M
Short-term debt	—	—	—	90M	90M	90M	90M	—	—	—	—	—
Total current liabilities	470.6M	404M	375M	633.8M	570.7M	497.4M	435.6M	535.8M	436.1M	384.9M	341.1M	556.2M
Long-term debt	245M	255M	250M	60M	50M	60M	80M	—	20M	20M	90M	40M
Total liabilities	1.1B	1B	990.6M	1.1B	1B	936.2M	895.6M	913.1M	874.2M	857M	915.7M	1.1B
Shareholders' equity	1.7B	1.7B	1.8B	1.8B	1.9B	2B	2B	2.1B	2.2B	2.2B	2.1B	2.1B
Total debt	245M	255M	250M	150M	140M	150M	170M	—	20M	20M	90M	40M
Net debt	213.5M	228.3M	222.7M	111.7M	96.8M	124.3M	130.1M	—	-16.2M	-8.2M	69.4M	27.9M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	FY26
Net income	229.6M	365M	271.9M	296.7M	311.5M	362.9M	366.6M	381.8M	455.7M	502.8M
Depreciation & amortization	139.8M	152M	160.6M	171.8M	175.7M	177.6M	190.7M	199.9M	204.8M	213.2M
Stock-based compensation	11.1M	11.8M	12.6M	16.9M	20.7M	24.8M	28.6M	28.9M	28.4M	32.5M
Change in working capital	-12.2M	34.8M	8.5M	1.9M	-10.6M	-11.6M	-18.9M	32.8M	8.2M	-35.9M
Operating cash flow	389.5M	488.7M	461.2M	511.8M	514.1M	585.6M	518.8M	642.5M	641.5M	762M
Capital expenditure	—	—	—	—	—	—	—	—	-53.4M	-67.1M
Investing cash flow	6.6M	-141.9M	-19.9M	-20.4M	-4.4M	-5M	-202.7M	-7.7M	-54.4M	-89.4M
Dividends paid	-91.7M	-105M	-118.7M	-127.4M	-133.8M	-139.1M	-147.2M	-155.9M	-164.6M	-170.4M
Share repurchases	-130.1M	-49M	-54.9M	-71.5M	-431.5M	-193.9M	-25M	-28.1M	-35.1M	-448.2M
Financing cash flow	-121.5M	-253.8M	-178.5M	-192.9M	-562.3M	-627.6M	-658.5M	-901.8M	-845.7M	-1B
Net change in cash	274.6M	92.9M	262.8M	298.5M	-52.6M	-47M	-342.3M	-267.1M	-258.5M	-341.5M
Free cash flow	209.1M	262.2M	260.3M	333M	304.3M	313.2M	174.6M	335.6M	410.3M	506.5M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	Q3 26	Q4 26
Net income	101.7M	92M	87.1M	101.1M	119.2M	97.8M	111.1M	127.6M	144M	124.7M	122.9M	111.2M
Depreciation & amortization	49.2M	49.9M	50.1M	50.7M	50.5M	51.8M	51M	51.5M	51.9M	53.2M	53.7M	54.5M
Stock-based compensation	7.1M	8.3M	6.9M	6.5M	6.7M	8.8M	6.9M	6M	6.3M	8.4M	8.2M	9.5M
Change in working capital	44M	-59.8M	-45.1M	93.6M	-13.5M	-52.2M	-44.5M	118.4M	-45.9M	-42.8M	-43.3M	96.1M
Operating cash flow	191.9M	84.1M	100.3M	266.2M	158.8M	101.6M	120.4M	327.1M	120.6M	152.7M	186M	302.7M
Capital expenditure	—	—	—	—	—	—	—	-12.2M	-8.9M	-21.2M	-16.5M	-20.5M
Investing cash flow	852K	-974K	-124K	-8.4M	-1M	0	0	-12.2M	-48.8M	-11.6M	-16.7M	-12.2M
Dividends paid	-37.9M	-37.9M	-40.1M	-40.1M	-40.1M	-40.1M	-42.3M	-42.2M	-42.1M	-41.8M	-43.5M	-42.9M
Share repurchases	-20M	0	0	-8.1M	0	-17.1M	-18M	1K	-62M	-63.2M	-159.2M	-163.8M
Financing cash flow	-117.4M	139.1M	-43.5M	-285.1M	-53.2M	-46.1M	-37.1M	-304.2M	-87.8M	-208.4M	-129.3M	-373.6M
Net change in cash	75.4M	222.2M	56.7M	-27.3M	104.5M	55.5M	83.3M	10.8M	-16M	-67.3M	40M	-83.2M
Free cash flow	105.8M	22.1M	44.1M	163.6M	59.2M	28.6M	51.3M	271.3M	62M	85.8M	121.9M	236.8M

Date	Ratio
Mar 5, 2001	2:1
Mar 3, 2000	2:1
Mar 14, 1997	3:2
Mar 11, 1994	4:3
Mar 9, 1993	3:2
Mar 4, 1992	3:2

Jack Henry & Associates, Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement

Split history