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Jack Henry & Associates, Inc. logo

Jack Henry & Associates, Inc.

JKHY

Jack Henry & Associates is a leading provider of technology solutions and payment processing services primarily for community and regional financial institutions.

Market cap
$10.47B-6.7%
Revenue$2.5B+7.1%
Net income$502.8M+10.3%
Free cash flow$694.9M+18.1%
EPS (diluted)$6.97+11.7%
Trailing twelve months · change vs. prior year

Earnings

Q4 2026 report

August 18, 2026
Revenue$644.0MBeat by $12.4MEPS$1.57Beat by $0.10

Next report

Nov 3, 2026 (In 3 weeks)
Revenue estimate$685.3M
EPS estimate$2.06

Financials

Q4 2026

Income statement

See full
Revenue$644.0M+4.7%
Gross profit$273.8M+0.9%
Operating income$136.8M-12.2%
Net income$111.2M-12.8%
EPS (diluted)$1.57-10.3%

Balance sheet

See full
Cash & equivalents$12.1M-88.2%
Total debt$77.8M+52.0%
Total equity$2.1B-3.7%
Total assets$3.1B+3.3%

Cash flow

See full
Operating cash flow$302.7M-7.5%
CapEx$20.5M+68.3%
Free cash flow$282.2M-10.4%

Valuation & ratios

Valuation

See full
Market cap$10.47B-6.7%
Enterprise value$10.53B-5.0%
P/E20.8×-2.2×
P/S4.1×-0.5×

Profitability

See full
Gross margin43.7%+0.9pp
Operating margin25%+1.0pp
Net margin19.8%+0.6pp
FCF margin27.3%+2.5pp

Returns & leverage

See full
Return on equity24%+1.1pp
Debt / equity0×0.0×
Current ratio1.2×-0.1×

Segments

By segment

See full
Payments$240.4M+4.9%
Core Segment$191.6M+1.9%
Complementary$188.8M+4.7%
Corporate Services$23.2M—

By product

See full
Processing$283.8M+7.5%
Private and Public Cloud$204.0M+7.8%
On-Premise Support$84.2M-4.6%
Product Delivery and Service$76.8M-3.4%

Competitors

By market cap

Fidelity National Information Services logo
Fidelity National Information Services$17.6B-49.7%
Jack Henry & Associates, Inc. logo
Jack Henry & Associates, Inc.$10.5B-4.9%
Associated Banc-Corp logo
Associated Banc-Corp$5.4B+32.2%
Community Financial System logo
Community Financial System$3.1B+5.3%
Enterprise Financial Services logo
Enterprise Financial Services$2.1B+4.3%
nCino, Inc. logo
nCino, Inc.$2.1B-28.0%
NCR Voyix logo
NCR Voyix$987.2M-36.2%
Camden National logo
Camden National$937.6M+52.0%

By revenue growth

Associated Banc-Corp logo
Associated Banc-Corp+45.7%
Camden National logo
Camden National+23.4%
Fidelity National Information Services logo
Fidelity National Information Services+18.3%
Enterprise Financial Services logo
Enterprise Financial Services+14.4%
Community Financial System logo
Community Financial System+10.0%
nCino, Inc. logo
nCino, Inc.+8.6%
Jack Henry & Associates, Inc. logo
Jack Henry & Associates, Inc.+7.1%
NCR Voyix logo
NCR Voyix-1.8%

By net margin

Camden National logo
Camden National33.43%+10.6pp
Associated Banc-Corp logo
Associated Banc-Corp31.38%-6.3pp
Fidelity National Information Services logo
Fidelity National Information Services27.64%+26.6pp
Community Financial System logo
Community Financial System26.55%+1.6pp
Enterprise Financial Services logo
Enterprise Financial Services24.78%-5.1pp
Jack Henry & Associates, Inc. logo
Jack Henry & Associates, Inc.19.76%+0.6pp
nCino, Inc. logo
nCino, Inc.5.4%+11.3pp
NCR Voyix logo
NCR Voyix2.77%-33.2pp

Profile

Jack Henry & Associates is a leading provider of technology solutions and payment processing services primarily for community and regional financial institutions. The company offers integrated data processing systems that serve as the operational foundation for banks and credit unions, enabling them to manage deposits, loans, and general ledger transactions. Its value proposition centers on empowering smaller financial institutions to compete with larger entities through digital innovation, open-ecosystem connectivity, and comprehensive support services.

Competitive position

A dominant provider in the community and regional financial institution market, characterized by high client retention and a comprehensive 'single point of contact' service model.

GeographiesUnited States, Canada, Latin America, Caribbean
Customer segmentsCommunity Banks, Regional Banks, Credit Unions, Small and Medium-Sized Businesses
Business modelSubscription SaaS, Private Cloud Services, Transaction-based fees, Professional Services
SuppliersHardware Manufacturers, Public Cloud Providers, Payment Networks (Zelle, RTP, FedNow), Regulatory Agencies
CustomersCommunity Banks, Regional Banks, Credit Unions, Small and Medium-Sized Businesses, Fintech Startups
CountryUnited States of America
Listed1985
Employees7.1K
CEOGregory R. Adelson
SectorTechnology
IndustryInformation Technology Services
Websitejackhenry.com
FilingsSEC EDGAR

FAQ

What is Jack Henry & Associates, Inc.'s market cap?
Jack Henry & Associates, Inc. (JKHY) has a market capitalization of $10.5B and trades on NASDAQ.
What is Jack Henry & Associates, Inc.'s revenue and profitability?
Jack Henry & Associates, Inc. generated $2.5B in trailing twelve-month revenue with net income of $502.8M, representing a net margin of 19.8%. Gross margin stands at 43.7%, with free cash flow of $694.9M. The latest reported period is Q4 2026.
Who are Jack Henry & Associates, Inc.'s competitors?
Jack Henry & Associates, Inc.'s key competitors include Fidelity National Information Services, Inc., NCR Voyix, nCino, Inc. Common Stock, and others. These companies compete in similar markets and product categories.
Who does Jack Henry & Associates, Inc. partner with?
Jack Henry & Associates, Inc.'s notable partners include IBM Corporation, Lenovo, Dell, and others.
What subsidiaries does Jack Henry & Associates, Inc. have?
Jack Henry & Associates, Inc.'s subsidiaries include Victor Technologies, Inc..
Where is Jack Henry & Associates, Inc. headquartered?
Jack Henry & Associates, Inc. is headquartered in United States of America and employs approximately 7,120 people. It has been publicly traded since 1985.