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

Jack Henry & Associates, Inc. is projected to see lower revenues than in the previous year, a trend that usually concerns investors. Declining revenues often harm a company's profitability, leading investors to exercise caution as they weigh the potential risks of continued financial downturns.

Financial Ratios:

currentRatio 1.600000
forwardPE 21.986273
debtToEquity 3.109000
earningsGrowth 0.284000
revenueGrowth 0.079000
grossMargins 0.438420
operatingMargins 0.256970
trailingEps 6.970000
forwardEps 6.993000

With a current ratio 1.6, Jack Henry & Associates, Inc. demonstrates the ability to service its short-term debt without difficulty. The company's strong cash reserves and current assets ensure that it can meet its liabilities, reflecting financial stability and healthy liquidity.
JKHY's Forward PE is positioned well, reflecting a favorable balance between stock price and earnings. The stock isn't overpriced, offering room for growth and making it a potentially rewarding investment as its value has room to rise further.
Jack Henry & Associates, Inc.'s positive gross and operating margins indicate the company's ability to operate profitably. These margins reflect strong financial management, with efficient cost control contributing to sustained profitability and a solid financial outlook.
JKHY's forward EPS exceeds its trailing EPS, indicating that the company is projected to be more profitable in the current financial year compared to the previous one. This suggests positive growth and improved earnings, signaling an optimistic outlook for JKHY's financial performance.

Price projections:

Price projections for JKHY
Price projections for JKHY

The present price of JKHY in relation to its projections indicates a lack of clear risks or opportunities. This balanced situation suggests that investors may find it prudent to wait for further signals before making significant moves in the stock.

Insider Transactions:

Insider Transactions for JKHY
Insider Transactions for JKHY


5 sales transactions of JKHY were conducted, with market price at 173.45799865722657.Throughout the period under consideration, no sell transactions were recorded.Investors are purchasing JKHY more frequently than selling it near the current price levels, which might point to a bullish sentiment. This pattern could be interpreted as a favorable outlook for the stock's future.

Recommendation changes over time:

Recommendations trend for JKHY
Recommendations trend for JKHY


Analysts have shown a buy bias for JKHY, signaling it as a strong investment choice. This positive outlook could motivate investors to allocate funds to JKHY, seeing it as a reliable and potentially profitable option, especially in an environment where the stock market is highly scrutinized.