Jack Henry & Associates Inc. (JKHY)

Name: Jack Henry & Associates Inc. (JKHY): results, filings decoded, planned insider sales, 13F holders, insiders, Congress and short interest
Creator: GreekSoup
License: https://creativecommons.org/licenses/by/4.0/

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Jack Henry & Associates Inc. (JKHY) reported revenue of $644 million for Q4 FY2026, the quarter ended 30 June 2026, up 4.7% on the same quarter a year earlier. Net income was $111 million, down 12.8% on the year, and diluted earnings per share $1.58. The figures are the company's own, from the 10-K it filed with the SEC on 28 August 2026.

Revenue$644 millionup 4.7%

Net income$111 milliondown 12.8%

Diluted EPS$1.58

QuarterQ4 FY2026ended 30 June 2026

Ratios

From the filings

ROE24.5%

ROCE30.4%

Operating margin25.0%

Net margin19.8%

FCF margin27.3%

Interest covern/a

Debt to equity0.02

Cash conversion1.52

Share count, 1 year-3.8%

Sales CAGR, 3 years7.0%

Profit CAGR, 3 years11.1%

EPS, TTM$6.98

At the close of 21 September 2026

Price$151.56

Market cap$10.6 billion

Stock P/E21.71

Price to book5.18

EV / EBITDAn/a

Dividend yield1.6%

Market cap / sales4.18

52-week high$192.60

52-week low$123.42

Price, 1 year-0.3%

Price CAGR, 3 years0.8%

Price CAGR, 5 years-2.1%

Every figure is arithmetic on the filed lines (hover a name for the formula); the priced ones use the latest daily close, CBOE delayed quotes, daily history, by CBOE, for splits. Debt to equity here stands on long-term debt as Jack Henry & Associates Inc. files it, with lease liabilities counted separately and never inside it. Nothing here is a valuation or a view.

Price, 17 September 2021 to 21 September 2026

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50-day average 200-day average Volume

Daily closes from CBOE delayed quotes, daily history, by CBOE, for splits; the last is 21 September 2026. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on JKHY

Filings	23 in twelve months: 13 current reports (8-K), about 8 results of operations; 3 officer or director change; 1 regulation fd disclosure; 1 other events; 1 material agreement
Planned insider sales	3 Form 144 notices in twelve months, $8.5 million; latest 24 August 2026
Options tape	put/call 1.31 by open interest on 23 September 2026; the straddle prices a 6.4% move to 16 October 2026
Holders	9 of the followed funds hold it; largest Geode Capital Management; 6 Schedule 13D or 13G filings in twelve months
Insider trading	2 sales and 2 purchases on Form 4 in twelve months
Congress	2 House trades disclosed in six months
Short interest	4.3 million shares short, 3.94 days to cover at 31 August 2026
Documents	the 10-K, the 10-Qs, the proxy and 8 earnings press releases, each linked

Quarterly results, the last 12 quarters

	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026	Q3 FY2026	Q4 FY2026 *
Revenue	571	546	539	560	601	574	585	615	645	619	636	644
Cost of revenue	323	321	328	327	343	333	341	344	349	351	364	370
Gross profit	248	225	210	233	258	241	245	271	296	268	272	274
Gross margin	43%	41%	39%	42%	43%	42%	42%	44%	46%	43%	43%	43%
R&D	36.9	35.5	36.0	39.9	39.7	41.1	39.4	42.6	39.3	42.2	45.1	49.8
SG&A	78.8	70.3	62.2	67.1	66.6	76.9	66.3	73.2	72.8	67.0	72.2	87.2
Operating income	133	119	112	126	151	123	139	156	184	159	155	137
Operating margin	23%	22%	21%	22%	25%	21%	24%	25%	29%	26%	24%	21%
Interest expense	4.2	3.9	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pre-tax income	133	120	114	130	157	127	142	160	190	164	159	140
Tax rate	24%	24%	24%	22%	24%	23%	22%	20%	24%	24%	22%	20%
Net income	102	92.0	87.1	101	119	97.8	111	128	144	125	123	111
Net margin	18%	17%	16%	18%	20%	17%	19%	21%	22%	20%	19%	17%
Diluted EPS	$1.39	$1.26	$1.19	$1.39	$1.63	$1.34	$1.52	$1.75	$1.97	$1.72	$1.71	$1.58
Operating cash flow	157	81.5	97.6	232	117	89.6	108	327	121	153	186	303
Capital expenditure	7.6	16.8	9.9	23.8	12.8	16.7	11.7	12.2	8.9	21.2	16.5	20.5
Free cash flow	150	64.7	87.7	208	104	73.0	96.1	315	112	131	170	282
Buybacks	20.0	0.0	0.0	8.1	0.0	17.1	18.0	-0.0	62.0	63.2	159	164
Dividends paid	37.9	37.9	40.1	40.1	40.1	40.1	42.3	42.2	42.1	41.8	43.5	42.9
Shares outstanding	73m	73m	73m	73m	73m	73m	73m	73m	72m	72m	71m	70m
Filing	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Profit and loss, 12 fiscal years and the trailing twelve months

	FY2015	FY2016 †	FY2017 †	FY2018 †	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	TTM
Revenue	1,256	1,355	1,431	1,537	1,553	1,697	1,758	1,943	2,078	2,216	2,375	2,544	2,544
Cost of revenue	720	774	806	853	923	1,008	1,063	1,129	1,219	1,299	1,361	1,434	1,434
Gross profit	536	581	612	663	630	689	695	814	859	916	1,015	1,111	1,111
Gross margin	42.7%	42.9%	42.8%	43.1%	40.6%	40.6%	39.5%	41.9%	41.3%	41.3%	42.7%	43.7%	43.7%
Research and development	71.5	81.2	84.8	90.3	96.4	110	109	121	143	148	163	176	176
Selling, general and administrative	n/a	158	159	172	186	198	187	218	235	278	283	299	299
Operating income	318	362	342	358	347	381	399	475	481	489	569	635	635
Operating margin	25.3%	26.7%	23.9%	23.3%	22.4%	22.4%	22.7%	24.4%	23.1%	22.1%	23.9%	25.0%	25.0%
Interest expense	1.6	1.4	1.0	1.9	0.9	0.7	1.1	2.4	15.1	n/a	n/a	n/a	n/a
Pre-tax income	316	361	341	356	347	381	398	472	475	498	586	653	653
Income tax	105	112	111	-8.9	75.3	84.4	86.3	109	108	116	130	150	150
Effective tax rate	33.3%	31.0%	32.7%	-2.5%	21.7%	22.1%	21.7%	23.2%	22.7%	23.3%	22.2%	23.0%	23.0%
Net income	211	249	230	365	272	297	311	363	367	382	456	503	503
Net margin	16.8%	18.4%	16.0%	23.8%	17.5%	17.5%	17.7%	18.7%	17.6%	17.2%	19.2%	19.8%	19.8%
Diluted EPS	$2.59	$3.12	$3.14	$4.85	$3.52	$3.86	$4.12	$4.94	$5.02	$5.23	$6.24	$6.98	$6.98
Filing	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K

Income statement lines from each year's 10-K, the year linked to its filing; TTM is the sum of the last four quarters. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Cash flow and capital returned

	FY2015	FY2016 †	FY2017 †	FY2018 †	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	TTM
Operating cash flow	374	366	357	412	431	511	462	505	382	568	642	762	762
Capital expenditure	54.4	56.3	41.9	40.1	53.6	53.5	23.0	34.7	39.2	58.1	53.4	67.1	67.1
Free cash flow	319	310	315	372	378	457	439	470	342	510	588	695	695
Free cash flow margin	25.4%	22.9%	22.0%	24.2%	24.3%	26.9%	25.0%	24.2%	16.5%	23.0%	24.8%	27.3%	27.3%
Share-based compensation	10.1	10.7	11.1	11.8	12.6	16.9	20.7	24.8	28.6	28.9	28.4	32.5	32.5
Buybacks	123	176	130	49.0	54.9	71.5	432	194	25.0	28.1	35.1	448	448
Dividends paid	76.4	84.1	91.7	105	119	127	134	139	147	156	165	170	170
Dividend per share	$0.94	$1.06	$1.18	$1.36	$1.54	$1.66	$1.78	$1.90	$2.02	$2.14	$2.26	$2.38	n/a
Diluted shares, weighted	82m	80m	78m	78m	77m	77m	76m	73m	73m	73m	73m	72m	72m
Shares outstanding at period end	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	70m
Filing	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K

Buybacks and dividends are the cash paid in the year, from the cash flow statement; the dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

	FY2015	FY2016 †	FY2017 †	FY2018 †	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	TTM
Total assets	1,837	1,816	1,909	2,033	2,185	2,428	2,336	2,456	2,774	2,924	3,044	3,146	3,146
Cash and equivalents	148	70.3	115	31.4	93.6	213	51.0	48.8	12.2	38.3	102	12.1	12.1
Receivables	245	254	277	297	310	301	307	348	361	333	318	349	349
Goodwill	550	553	552	650	667	686	687	687	805	805	805	828	828
Total debt, as filed	52.7	0.2	50.0	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Long-term debt	50.8	n/a	n/a	0.0	0.0	n/a	n/a	115	275	60.0	0.0	40.0	40.0
Long-term debt including finance leases	50.1	0.0	50.0	0.0	0.0	0.2	100	115	275	n/a	n/a	n/a	n/a
Borrowings, as the company tags them	n/a	n/a	n/a	n/a	n/a	0.2	100	115	n/a	n/a	n/a	n/a	n/a
Operating lease liabilities	n/a	n/a	n/a	n/a	n/a	56.6	49.4	40.8	40.5	51.1	41.8	28.9	28.9
Finance lease liabilities	n/a	n/a	n/a	n/a	n/a	0.2	0.1	n/a	n/a	n/a	n/a	n/a	n/a
Shareholders' equity	992	996	1,100	1,323	1,429	1,550	1,319	1,382	1,609	1,842	2,131	2,052	2,052
Filing	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K

At the fiscal year end; the TTM column is the latest quarter end. A line the company does not tag under the usual name is left out.

Compounded growth

	10 years	5 years	3 years	TTM
Sales growth, compounded	6.5%	7.7%	7.0%	7.1%
Profit growth, compounded	7.3%	10.1%	11.1%	10.3%
Return on equity, average	22.6%	23.1%	22.2%	24.5%

Compounded growth is the latest fiscal year over the year that many years earlier, annualised; the TTM column is the last four quarters over the four before. Return on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Peers: Services-Computer Integrated Systems Design

Company	Market cap	P/E	ROE	Op. margin	Sales growth TTM	Debt to equity	Div. yield
Leidos Holdings, Inc. LDOS	$16.1 billion	11.95	26.0%	11.5%	3.4%	1.14	1.3%
GoDaddy Inc. GDDY	$13.3 billion	15.57	13,586.6%	24.8%	7.4%	561.10	n/a
Jack Henry & Associates Inc. JKHY	$10.6 billion	21.71	24.5%	25.0%	7.1%	0.02	1.6%

The names on this site in the same industry (the SEC's SIC description), by market capitalisation. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close.

Filings

Filing	Period	Filed	Where
10-K	30 June 2026	28 August 2026	EDGAR
10-Q	31 March 2026	7 May 2026	EDGAR
10-Q	31 December 2025	6 February 2026	EDGAR
10-Q	30 September 2025	7 November 2025	EDGAR
10-K	30 June 2025	25 August 2025	EDGAR
10-Q	31 March 2025	12 May 2025	EDGAR
10-Q	31 December 2024	7 February 2025	EDGAR
10-Q	30 September 2024	8 November 2024	EDGAR
10-K	30 June 2024	26 August 2024	EDGAR
10-Q	31 March 2024	9 May 2024	EDGAR

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