JKHY
Premium GrowerAI pickJack Henry & Associates, Inc. · Technology · United States · $11.4B cap · $151.6M/day traded
$175.90 +0.4% · close 11 Nov · scored 11 Nov
Premium Grower: Strong business with the market behind it, priced at a premium.
After its 3 Nov results, analysts raised next year's EPS estimate 1.0%.
As of 11 Nov 2026, the MoatMap Score for Jack Henry & Associates, Inc. (JKHY) is 92/100, ranked against 25,000+ stocks in 38 markets (Quality 83, Value 43, Momentum 70, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
Jack Henry provides core banking, payments and digital banking software to more than 1,500 US community banks and credit unions. Replacing a core banking system is expensive and risky, so clients stay for many years, giving it high recurring revenue, strong returns on capital and a debt-free balance sheet. Higher-for-longer rates support its bank customers' profits and technology budgets, it keeps winning new clients such as Centreville Bank, and it is buying back shares (about 1.7% of shares in 90 days). Recent share weakness on worries about competition gives a better entry point for a business whose customer relationships are very hard to dislodge.
ABOUT JACK HENRY & ASSOCIATES, INC.
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Jack Henry & Associates, Inc. offers integrated technology solutions and services to financial institutions, encompassing core processing, payment solutions, and digital banking platforms. The company maintains a strong competitive position due to deep client relationships, high switching costs for financial institutions, and a comprehensive suite of mission-critical software. It is a dominant provider of core processing systems for community banks and credit unions in the U.S.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.9B | 2.1B | 2.2B | 2.4B | 6.9% | 2.6B | 2.5B | 2.7B | 4.3% |
| EPS | 4.98 | 5.03 | 5.24 | 6.26 | 7.9% | 7.28 | 6.87 | 7.56 | 6.5% |
| Shares | 72.9M | 72.9M | 72.9M | 72.8M | -0.1% | 70.1M | — | — | — |
| Debt | 115.1M | 275.0M | 150.0M | — | 14.2% | 77.8M | — | — | — |
| Equity | 1.4B | 1.6B | 1.8B | 2.1B | 15.5% | — | — | — | — |
| Op CF | 504.6M | 381.6M | 568.0M | 641.5M | 8.3% | 762.0M | — | — | — |
| Inv CF | -196.3M | -409.7M | -240.2M | -232.2M | — | — | — | — | — |
| Fin CF | -310.5M | -8.4M | -301.8M | -345.7M | — | — | — | — | — |
Above its 200-day average and 8% below its 52-week high.
Calmer than 70% of stocks we rank over the past year (volatility 32% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of JKHY are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| JKHY | Jack Henry & Associates, Inc.(you) | $11.4B | 92 |
| IT | Gartner, Inc. | $14.5B | 95 |
| EXLS | ExlService Holdings, Inc. | $6.4B | 92 |
| EPAM | EPAM Systems, Inc. | $7.0B | 94 |
| INGM | Ingram Micro Holding Corporation | $6.4B | 89 |
| CDW | CDW Corporation | $20.6B | 88 |
| CACI | CACI International Inc | $14.0B | 80 |
| SAIC | Science Applications International Corporation | $6.1B | 88 |
| LDOS | Leidos Holdings, Inc. | $17.1B | 79 |
| CTSH | Cognizant Technology Solutions Corporation | $31.8B | 97 |
Peer medians: ROE 6.0% · P/E 29.2x · Gross margin 52.2%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.