Jack Henry & Associates, Inc. (JKHY)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I see Jack Henry as a high-quality, sticky financial-technology supplier to banks and credit unions. In FY2026, the year ended 2026-06-30, revenue was $2.5B, net income $502.8M, and diluted EPS $6.98; in FY2025, revenue was $2.4B, net income $455.7M, and diluted EPS $6.24. That is modest top-line growth with better profit growth, and FairStock's STALWART category, with profit 10.1% a year and revenue 7.7% over five years, fits the profile. The business description points to integrated core processing and payments work, which can create high switching costs and a durable competitive position. Financial health is excellent: FairStock shows ROE 24.04%, ROCE 12.99%, debt/equity 0.04, Altman Z 8.28, and trailing FCF of $506.5M. At the 2026-10-26 close of $162.35, however, FairStock's P/E is 23.26, P/B 5.54, PEG 0.85, EV/EBITDA 13.11, and FCF yield 4.4%. The Graham Number is $67.81, so the price is far above a strict Graham value marker; FairStock reports margin of safety of -139.71%. Piotroski is 5/9, not exceptional. I would call this a strong stalwart with a full price: quality is visible, but the Graham-style bargain is not.

In plain English: Jack Henry & Associates sells software and payment services that banks and credit unions use to run their operations. The business looks strong: it earns solid profits, carries little debt, and turned about $506.5 million into cash left after running and investing in the business over the trailing twelve months. At $162.35, the stock looks full compared with conservative accounting-based value measures, even though steady growth and high returns support the quality.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2026 10-Q (period ended 2025-12-31) · fiscal Q1 2026 10-Q (period ended 2025-09-30) · fiscal Q3 2025 10-Q (period ended 2025-03-31) · FY2026 10-K (period ended 2026-06-30) · FY2025 10-K (period ended 2025-06-30) · FY2024 10-K (period ended 2024-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer