0.41%
0.64%
-4.51%
2.70%
7.09%
4.68%
15.02%
AI Spotlight on JKHY
Company Description
Jack Henry & Associates, Inc.provides technology solutions and payment processing services primarily for financial services organizations in the United States.It operates through four segments: Core, Payments, Complementary, and Corporate and Other.
The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutions under the Jack Henry Banking brand; core data processing solutions for various credit unions under the Symitar brand; and specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial institutions and corporate entities under the ProfitStars brand.It also provides a suite of integrated applications required to process deposit, loan, and general ledger transactions, as well as to maintain centralized customer/member information; and complementary products and services that enable core bank and credit union clients to respond to evolving customer/member demands.The company's Jack Henry Banking business brand offers SilverLake, a robust primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven, easy-to-use system for banks; and Core Director, a cost-efficient system with point-and-click operation.
Its Symitar business brand provides Episys, a robust designed for credit unions.In addition, the company offers digital products and services and electronic payment solutions; purchases and resells hardware systems, including servers, workstations, scanners, and other devices; and provides implementation, training, and support services.Jack Henry & Associates, Inc.
was founded in 1976 and is headquartered in Monett, Missouri.
Market Data
| Last Price | 174.81 |
| Change Percentage | 0.41% |
| Open | 172.48 |
| Previous Close | 174.09 |
| Market Cap ( Millions) | 12754 |
| Volume | 103288 |
| Year High | 189.63 |
| Year Low | 157 |
| M A 50 | 174.52 |
| M A 200 | 171.62 |
Financial Ratios
| FCF Yield | 2.62% |
| Dividend Yield | 1.26% |
| ROE | 21.97% |
| Debt / Equity | 7.27% |
| Net Debt / EBIDTA | 14.08% |
| Price To Book | 6.65 |
| Price Earnings Ratio | 32.05 |
| Price To FCF | 38.24 |
| Price To sales | 5.69 |
| EV / EBITDA | 18.72 |
News
- Jan -27 - Jack Henry & Associates Announces Fiscal Second Quarter 2025 Deconversion Revenue Results
- Jan -23 - Jack Henry Celebrates its Successful Collaboration with Corpay for International Wires
- Jan -22 - JACK HENRY & ASSOCIATES TO PROVIDE WEBCAST OF SECOND QUARTER 2025 EARNINGS CALL
- Dec -19 - Jack Henry's Symitar Solidifies Position as the Leading Platform for Credit Unions
- Dec -05 - Jack Henry Named One of America's Most Trusted Companies in Forbes Ranking
- Dec -02 - Jack Henry & Associates: A Better-Than-Fair Price Stock Benefiting From Durable Competitive Advantages
- Nov -18 - CommonWealth Central Credit Union Invests in the Future with Jack Henry
- Nov -13 - JACK HENRY & ASSOCIATES ANNOUNCES REGULAR QUARTERLY DIVIDEND
- Nov -12 - First Bank of Alabama Selects Jack Henry to Innovate and Propel Growth
- Nov -08 - Jack Henry CEO, CFO Featured at Several Upcoming Conferences
- Nov -06 - JKHY Q1 Earnings Beat Estimates, Shares Rise on Strong FY25 View
- Nov -06 - Jack Henry & Associates, Inc. (JKHY) Q1 2025 Earnings Call Transcript
- Nov -06 - Compared to Estimates, Jack Henry (JKHY) Q1 Earnings: A Look at Key Metrics
- Nov -05 - Jack Henry (JKHY) Q1 Earnings and Revenues Top Estimates
- Nov -05 - Jack Henry & Associates profit jumps on robust demand for banking technology
- Nov -05 - Jack Henry & Associates, Inc. Reports First Quarter Fiscal 2025 Results
- Nov -04 - Jack Henry Hosts Inaugural Developer Conference
- Oct -31 - Gear Up for Jack Henry (JKHY) Q1 Earnings: Wall Street Estimates for Key Metrics
- Oct -29 - Jack Henry (JKHY) Reports Next Week: Wall Street Expects Earnings Growth
- Oct -28 - Jack Henry & Associates Announces First Quarter 2025 Deconversion Revenue Results
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Payments
Expected Growth : 8 %
What the company do ?
Payments from Jack Henry & Associates, Inc. enable financial institutions to process transactions efficiently, offering a range of payment solutions for customers.
Why we expect these perspectives ?
The 8% growth in payments from Jack Henry & Associates, Inc. is driven by increasing adoption of digital banking solutions, rising demand for payment processing services, and strategic partnerships with financial institutions. Additionally, the company's investments in cloud-based infrastructure and innovative payment technologies have enhanced its scalability and competitiveness, contributing to the growth.
Segment n°2 -> Core
Expected Growth : 6 %
What the company do ?
The Core from Jack Henry & Associates, Inc. is a banking and credit union core processing system that provides a centralized platform for managing daily operations, customer relationships, and financial transactions.
Why we expect these perspectives ?
Core segment growth of 6% at Jack Henry & Associates, Inc. is driven by increasing demand for digital banking and payment solutions, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on innovation, customer relationships, and operational efficiency also contribute to its growth.
Segment n°3 -> Complementary
Expected Growth : 5 %
What the company do ?
Complementary from Jack Henry & Associates, Inc. is a digital banking platform offering online and mobile banking, bill pay, and account management services.
Why we expect these perspectives ?
Complementary growth driven by increasing demand for digital banking and payment solutions, expansion into new markets, strategic partnerships, and innovative product offerings. Additionally, the company's focus on cloud-based services, cybersecurity, and data analytics has contributed to its growth.
Segment n°4 -> Corporate and Other Segment
Expected Growth : 4 %
What the company do ?
The Corporate and Other Segment from Jack Henry & Associates, Inc. includes unallocated corporate expenses, interest income, and other non-operating items.
Why we expect these perspectives ?
The 4% growth in Corporate and Other Segment of Jack Henry & Associates, Inc. is driven by increasing demand for digital banking and payment solutions, strategic acquisitions, and expansion of existing customer relationships. Additionally, the company's investments in innovation and technology, such as cloud-based services and data analytics, are contributing to revenue growth.
Jack Henry & Associates, Inc. Products
| Product Range | What is it ? |
|---|---|
| Core Director | A core banking system that provides a comprehensive platform for managing customer accounts, transactions, and banking operations. |
| Symitar Episys | A core processing system designed for credit unions, offering a range of features for managing member accounts, transactions, and operations. |
| Silverlake System | A core banking system that provides a comprehensive platform for managing customer accounts, transactions, and banking operations. |
| JHA Payment Processing | A payment processing solution that enables financial institutions to process transactions, manage payment networks, and provide card services. |
| JHA Card Processing | A card processing solution that enables financial institutions to issue and manage debit and credit cards, as well as provide cardholder services. |
| JHA Online Banking | An online banking platform that enables financial institutions to provide online banking services to customers. |
| JHA Mobile Banking | A mobile banking platform that enables financial institutions to provide mobile banking services to customers. |
Jack Henry & Associates, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Jack Henry & Associates, Inc. is low due to the company's strong brand recognition and customer loyalty in the financial technology industry.
Bargaining Power Of Customers
The bargaining power of customers for Jack Henry & Associates, Inc. is medium due to the presence of some large financial institutions that can negotiate prices, but the company's diversified customer base mitigates this risk.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Jack Henry & Associates, Inc. is low due to the company's ability to negotiate prices with its suppliers and the availability of alternative suppliers.
Threat Of New Entrants
The threat of new entrants for Jack Henry & Associates, Inc. is medium due to the presence of some barriers to entry, such as high capital requirements and regulatory hurdles, but the company still needs to innovate to stay ahead of potential new competitors.
Intensity Of Rivalry
The intensity of rivalry for Jack Henry & Associates, Inc. is high due to the presence of several established competitors in the financial technology industry, leading to a competitive pricing environment and a need for the company to differentiate itself.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 28.96% |
| Debt Cost | 7.09% |
| Equity Weight | 71.04% |
| Equity Cost | 7.26% |
| WACC | 7.21% |
| Leverage | 40.76% |
Jack Henry & Associates, Inc. : Quality Control
Jack Henry & Associates, Inc. passed 6 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| LDOS | Leidos Holdings, Inc., together with its subsidiaries, provides services and solutions in the defense, intelligence, civil, and health markets in the United States and internationally. It operates through three segments: … |
| ASGN | ASGN Incorporated provides information technology services and professional solutions in the technology, digital, and creative fields for commercial and government sectors in the United States. It operates through two segments: … |
| EXLS | ExlService Holdings, Inc. operates as a data analytics, and digital operations and solutions company in the United States and internationally. It operates through Insurance, Healthcare, Analytics, and Emerging Business segments. … |
| CACI | CACI International Inc, together with its subsidiaries, provides expertise and technology to enterprise and mission customers in support of national security missions and government modernization/transformation in the intelligence, defense, and … |
| DLB | Dolby Laboratories, Inc. creates audio and imaging technologies that transform entertainment and communications at the cinema, DTV, transmissions and devices, mobile devices, OTT video and music services, and home entertainment … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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ExlService
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Leidos
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CACI
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Jack Henry
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5
Dolby Laboratories
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6
