Overall Fundamental outlook

Business Operations:

Sector: Technology
Industry: Information Technology Services

Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist of integrated applications required to process deposit, loan, general ledger transactions, and maintain centralized accountholder information. The Payments segment offers secure payment processing tools and services, including ATM, automated clearing house origination and remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions. The Complementary segment provides software, and hosted processing platforms and services comprising digital/mobile banking, treasury, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate and Other segment offers hardware and other products. It offers specialized financial performance, imaging and payment, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. The company also provides SilverLake system, a system primarily designed for commercial-focused banks; Symitar, a system designed for credit unions; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and service solutions; data center solutions; and data and transaction processing, and software licensing and related services, as well as professional services. The company was founded in 1976 and is headquartered in Monett, Missouri.

Revenue projections:

Revenue projections for JKHY
Revenue projections for JKHY

With JKHY's revenues forecasted to be lower than last year's, investors are expected to be cautious. A decline in revenue typically harms the company's bottom line, reducing profitability and making investors less confident about the company's ability to sustain its financial health.

Financial Ratios:

currentRatio 1.60000
forwardPE 21.21264
debtToEquity 3.10900
earningsGrowth 0.28400
revenueGrowth 0.07900
grossMargins 0.43842
operatingMargins 0.25697
trailingEps 6.97000
forwardEps 6.99300

With a current ratio of 1.6, JKHY has the liquidity needed to easily service its short-term debt. The company's cash reserves and current assets are sufficient, indicating that JKHY is in a strong position to meet its immediate financial obligations without difficulty.
JKHY's Forward PE being in a good range indicates that the stock is valued appropriately based on its earnings. This suggests the stock is not overpriced and leaves room for growth, providing investors with an opportunity for potential appreciation in value.
Positive gross and operating margins for JKHY suggest that the company is operating profitably. These margins highlight JKHY's efficiency in managing costs while maintaining healthy revenue streams, contributing to its overall financial strength.
JKHY's forward EPS is greater than its trailing EPS, indicating that the company is expected to deliver higher profitability this year. This suggests that JKHY is projected to improve its earnings, reflecting positive growth compared to last year's financial performance.

Price projections:

Price projections for JKHY
Price projections for JKHY

The current price of JKHY, relative to its projections, shows no clear risks or opportunities. This neutral assessment may encourage investors to take a cautious approach, awaiting further developments before making substantial changes.

Insider Transactions:

Insider Transactions for JKHY
Insider Transactions for JKHY


5 sales of JKHY stock were made, with market price at 173.45799865722657 per share.Throughout the period under consideration, there were no sell transactions.Investors have shown more interest in buying than selling JKHY at current price levels, which may point to a positive market sentiment. This could indicate that investors are expecting favorable results from the stock in the near future.

Recommendation changes over time:

Recommendations trend for JKHY
Recommendations trend for JKHY


Analysts have been favoring JKHY with a buy bias recently, signaling a promising investment opportunity. This optimistic outlook may attract more investors, positioning JKHY as a desirable option for those seeking to invest their money in a stable, profitable company with strong growth potential.