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JKHYJack Henry & Associates

Financials · IT Services · Nasdaq
JKHY quote by TradingView
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FY2026 at a glance

Sales up 7.1%, free cash flow up to $694.9M

XBRL, from each 10-K
RevenueStatements ↓
$2.5B
from $2.4B in FY2025
FY2017FY2026
Net incomeStatements ↓
$502.8M
from $455.7M in FY2025
FY2017FY2026
Free cash flowStatements ↓
$694.9M
from $588.1M in FY2025
FY2017FY2026
EPS (diluted)Statements ↓
$6.98
from $6.24 in FY2025
FY2017FY2026
Operating marginStatements ↓
25.0%
from 23.9% in FY2025
FY2017FY2026
Total debtStatements ↓
$40.0M
from $0 in FY2025
FY2017FY2026
Price and key numbers

The latest figures

All key numbers (40, from the latest 10-K and 10-Q) From EDGAR
EPS (ttm)7.29Sales (ttm)2.6BNet income (ttm)519.2MSales growth+7.1%EPS growth+11.9%Sales Q/Q+8.8%
Free cash flow717.4MGross margin43.8%Oper. margin25.3%Net margin20.0%FCF margin27.6%ROE24.7%
ROA16.3%R&D / sales6.9%Dividend2.38Debt/Eq0.04Curr. ratio1.38Cash25.4M
Op. cash flow (ttm)802.6MEBITDA677.1MEBITDA margin26.6%Net debt59.6MQuick ratio1.38ROIC22.4%
Payout ratio34.1%Tax rate23.0%Stock pay / sales1.3%Shares out.69.6MShares Y/Y-1.4%Book / share30.16
Cash / share0.36Sales / share37.36Asset turnover0.81Days sales out.50Sales 3Y CAGR+7.0%Sales 5Y CAGR+7.7%
EPS 3Y CAGR+11.6%EPS 5Y CAGR+11.1%Employees7,300Sales / employee356K

Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.

JKHY against Financials peers

Ten years, side by side → · All 76 →
GrowthProfitBalanceCleanInsiders
JKHYPeer median

Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How

Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.

Sales growth
+7.1%40th of 76 · median +7.2%
Net margin
20.0%40th of 76 · median 20.4%
Return on equity
24.7%15th of 74 · median 16.7%
Free cash flow margin
27.6%17th of 49 · median 21.5%
Debt / equity (less is better)
0.042nd of 62 · median 0.70
JKHY and the 5 peers closest in revenue
CompanyRevenue (ttm)Sales growthGross marginNet marginROEFCF marginDebt / equity
JKHY Jack Henry & Associates$2.6B +7.1%43.8%20.0%24.7%27.6%0.04
CPAY Corpay$5.2B +13.9%-23.7%37.7%25.5%3.41
HOOD Robinhood Markets$5.1B +51.6%-39.0%19.7%-0.26
ERIE Erie Indemnity$4.1B +7.2%-14.0%22.6%13.4%-
MSCI MSCI$3.4B +9.7%-40.3%-45.9%-
FDS FactSet$2.5B +6.7%50.6%21.5%26.6%28.6%0.68
Where each dollar goes

From $1.9B of sales to $362.9M of profit

FY2022, from the 10-K income statement
Revenue to Gross profit: $814.3MRevenue to Cost of revenue: $1.1BGross profit to Operating profit: $474.6MGross profit to Operating expenses: $339.7MOperating profit to Net profit: $362.9MOperating profit to Tax & other: $111.7MOperating expenses to R&D: $121.4MOperating expenses to SG&A: $218.3M Revenue: $1.9B Revenue$1.9B +11% Y/Y Gross profit: $814.3M · 42% margin Gross profit$814.3M42% margin Cost of revenue: $1.1B · 58% of revenue Cost of revenue$1.1B58% of revenue Operating profit: $474.6M · 24% margin Operating profit$474.6M24% margin +19% Y/Y Operating expenses: $339.7M · 17% of revenue Operating expenses$339.7M17% of revenue Net profit: $362.9M · 19% margin Net profit$362.9M19% margin +17% Y/Y Tax & other: $111.7M · 6% of revenue Tax & other$111.7M6% of revenue R&D: $121.4M · 6% of revenue R&D$121.4M6% of revenue SG&A: $218.3M · 11% of revenue SG&A$218.3M11% of revenue

Swipe sideways for the whole flow →

From $2.1B of sales to $366.6M of profit

FY2023, from the 10-K income statement
Revenue to Gross profit: $858.6MRevenue to Cost of revenue: $1.2BGross profit to Operating profit: $480.7MGross profit to Operating expenses: $378.0MOperating profit to Net profit: $366.6MOperating profit to Tax & other: $114.0MOperating expenses to R&D: $142.7MOperating expenses to SG&A: $235.3M Revenue: $2.1B Revenue$2.1B +7% Y/Y Gross profit: $858.6M · 41% margin Gross profit$858.6M41% margin Cost of revenue: $1.2B · 59% of revenue Cost of revenue$1.2B59% of revenue Operating profit: $480.7M · 23% margin Operating profit$480.7M23% margin +1% Y/Y Operating expenses: $378.0M · 18% of revenue Operating expenses$378.0M18% of revenue Net profit: $366.6M · 18% margin Net profit$366.6M18% margin +1% Y/Y Tax & other: $114.0M · 5% of revenue Tax & other$114.0M5% of revenue R&D: $142.7M · 7% of revenue R&D$142.7M7% of revenue SG&A: $235.3M · 11% of revenue SG&A$235.3M11% of revenue

Swipe sideways for the whole flow →

From $2.2B of sales to $381.8M of profit

FY2024, from the 10-K income statement and revenue by product
Processing to Revenue: $939.6MPrivate and Public Cloud to Revenue: $682.1MOn-Premise Support to Revenue: $355.1MProduct Delivery and Service to Revenue: $238.7MRevenue to Gross profit: $916.1MRevenue to Cost of revenue: $1.3BGross profit to Operating profit: $489.4MGross profit to Operating expenses: $426.7MOperating profit to Net profit: $381.8MOperating profit to Tax & other: $107.6MOperating expenses to R&D: $148.3MOperating expenses to SG&A: $278.4M Processing: $939.6M · 42% Processing$939.6M42% Private and Public Cloud: $682.1M · 31% Private and Public Cloud$682.1M31% On-Premise Support: $355.1M · 16% On-Premise Support$355.1M16% Product Delivery and Service: $238.7M · 11% Product Delivery and Se…$238.7M11% Revenue: $2.2B Revenue$2.2B +7% Y/Y Gross profit: $916.1M · 41% margin Gross profit$916.1M41% margin Cost of revenue: $1.3B · 59% of revenue Cost of revenue$1.3B59% of revenue Operating profit: $489.4M · 22% margin Operating profit$489.4M22% margin +2% Y/Y Operating expenses: $426.7M · 19% of revenue Operating expenses$426.7M19% of revenue Net profit: $381.8M · 17% margin Net profit$381.8M17% margin +4% Y/Y Tax & other: $107.6M · 5% of revenue Tax & other$107.6M5% of revenue R&D: $148.3M · 7% of revenue R&D$148.3M7% of revenue SG&A: $278.4M · 13% of revenue SG&A$278.4M13% of revenue

Swipe sideways for the whole flow →

From $2.4B of sales to $455.7M of profit

FY2025, from the 10-K income statement
Revenue to Gross profit: $1.0BRevenue to Cost of revenue: $1.4BGross profit to Operating profit: $568.7MGross profit to Operating expenses: $445.8MOperating profit to Net profit: $455.7MOperating profit to Tax & other: $113.0MOperating expenses to R&D: $162.8MOperating expenses to SG&A: $283.1M Revenue: $2.4B Revenue$2.4B +7% Y/Y Gross profit: $1.0B · 43% margin Gross profit$1.0B43% margin Cost of revenue: $1.4B · 57% of revenue Cost of revenue$1.4B57% of revenue Operating profit: $568.7M · 24% margin Operating profit$568.7M24% margin +16% Y/Y Operating expenses: $445.8M · 19% of revenue Operating expenses$445.8M19% of revenue Net profit: $455.7M · 19% margin Net profit$455.7M19% margin +19% Y/Y Tax & other: $113.0M · 5% of revenue Tax & other$113.0M5% of revenue R&D: $162.8M · 7% of revenue R&D$162.8M7% of revenue SG&A: $283.1M · 12% of revenue SG&A$283.1M12% of revenue

Swipe sideways for the whole flow →

From $2.5B of sales to $502.8M of profit

FY2026, from the 10-K income statement and revenue by product
Processing to Revenue: $1.1BPrivate and Public Cloud to Revenue: $816.1MOn-Premise Support to Revenue: $336.8MProduct Delivery and Service to Revenue: $295.1MRevenue to Gross profit: $1.1BRevenue to Cost of revenue: $1.4BGross profit to Operating profit: $635.0MGross profit to Operating expenses: $475.7MOperating profit to Net profit: $502.8MOperating profit to Tax & other: $132.3MOperating expenses to R&D: $176.4MOperating expenses to SG&A: $299.2M Processing: $1.1B · 43% Processing$1.1B43% Private and Public Cloud: $816.1M · 32% Private and Public Cloud$816.1M32% On-Premise Support: $336.8M · 13% On-Premise Support$336.8M13% Product Delivery and Service: $295.1M · 12% Product Delivery and Se…$295.1M12% Revenue: $2.5B Revenue$2.5B +7% Y/Y Gross profit: $1.1B · 44% margin Gross profit$1.1B44% margin Cost of revenue: $1.4B · 56% of revenue Cost of revenue$1.4B56% of revenue Operating profit: $635.0M · 25% margin Operating profit$635.0M25% margin +12% Y/Y Operating expenses: $475.7M · 19% of revenue Operating expenses$475.7M19% of revenue Net profit: $502.8M · 20% margin Net profit$502.8M20% margin +10% Y/Y Tax & other: $132.3M · 5% of revenue Tax & other$132.3M5% of revenue R&D: $176.4M · 7% of revenue R&D$176.4M7% of revenue SG&A: $299.2M · 12% of revenue SG&A$299.2M12% of revenue

Swipe sideways for the whole flow →

Where each $100 of sales went

FY2022
FY2023
FY2024
FY2025
FY2026
  • Cost of revenue
  • R&D
  • Sales, admin & other
  • Tax, less other income
  • Net profit

Band widths are the money. Gross profit is revenue less cost of revenue; operating expenses are gross profit less operating profit; R&D is from the income statement and the rest of the operating expenses is everything else; tax includes interest and other items when they are small. Y/Y is the change from the fiscal year before. Revenue by part only for the years in the last two 10-Ks' segment tables. The full income statement →

Profitability

2 of 3
  • !
    Net margin below the peer median20.0% vs 20.4%
  • ✓
    Return on equity above 15%24.7%
  • ✓
    A profit in every one of 10 years
Net margin, FY2017 to FY2026: 16.0% → 19.8%

Balance sheet

3 of 3
  • ✓
    Debt smaller than equityDebt / equity 0.04 on the latest balance sheet (peer median 0.70)
  • ✓
    Current assets cover current liabilitiesCurrent ratio 1.38
  • ✓
    Net debt under 3 years of free cash flow$59.6M net debt, 0.1 years
Debt / equity at each year end, FY2017 to FY2026: 0.05 → 0.02

Cash and shareholders

4 of 4
  • ✓
    Free cash flow positive in every one of 10 years$694.9M last year
  • ✓
    Share count down over 5 years−4.8%
  • ✓
    Dividend per share up over 5 years$1.78 → $2.38
  • ✓
    Cash from operations above net income$762.0M vs $502.8M
Free cash flow, FY2017 to FY2026: 315.4M → 694.9M

Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.

Revenue and net income, FY2017 to FY2026

Revenue 2.5B Net income 502.8M
FY2017 revenue 1.4B · Revenues, 0000779152-18-000060 FY2017 net income 229.6M · NetIncomeLoss, 0000779152-19-000048 1.4B FY2017 FY2018 revenue 1.5B · Revenues, 0000779152-18-000060 FY2018 net income 365.0M · NetIncomeLoss, 0000779152-20-000064 1.5B FY2018 FY2019 revenue 1.6B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000779152-21-000073 FY2019 net income 271.9M · NetIncomeLoss, 0000779152-21-000073 1.6B FY2019 FY2020 revenue 1.7B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000779152-22-000076 FY2020 net income 296.7M · NetIncomeLoss, 0000779152-22-000076 1.7B FY2020 FY2021 revenue 1.8B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000779152-23-000062 FY2021 net income 311.5M · NetIncomeLoss, 0000779152-23-000062 1.8B FY2021 FY2022 revenue 1.9B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000779152-24-000079 FY2022 net income 362.9M · NetIncomeLoss, 0000779152-24-000079 1.9B FY2022 FY2023 revenue 2.1B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000779152-25-000055 FY2023 net income 366.6M · NetIncomeLoss, 0000779152-25-000055 2.1B FY2023 FY2024 revenue 2.2B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000779152-26-000067 FY2024 net income 381.8M · NetIncomeLoss, 0000779152-26-000067 2.2B FY2024 FY2025 revenue 2.4B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000779152-26-000067 FY2025 net income 455.7M · NetIncomeLoss, 0000779152-26-000067 2.4B FY2025 FY2026 revenue 2.5B · RevenueFromContractWithCustomerExcludingAssessedTax, 0000779152-26-000067 FY2026 net income 502.8M · NetIncomeLoss, 0000779152-26-000067 2.5B FY2026

From XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →

Statements

Income statement, balance sheet and cash flow

XBRL, each 10-K and 10-Q

JKHY's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.

Annual Quarterly
Revenue2.5B
FY2017: 1.4BFY2018: 1.5BFY2019: 1.6BFY2020: 1.7BFY2021: 1.8BFY2022: 1.9BFY2023: 2.1BFY2024: 2.2BFY2025: 2.4BFY2026: 2.5B FY2018FY2020FY2022FY2024FY2026
Net income502.8M
FY2017: 229.6MFY2018: 365.0MFY2019: 271.9MFY2020: 296.7MFY2021: 311.5MFY2022: 362.9MFY2023: 366.6MFY2024: 381.8MFY2025: 455.7MFY2026: 502.8M FY2018FY2020FY2022FY2024FY2026
Free cash flow694.9M
FY2017: 315.4MFY2018: 372.0MFY2019: 377.5MFY2020: 457.0MFY2021: 439.1MFY2022: 470.0MFY2023: 342.4MFY2024: 509.9MFY2025: 588.1MFY2026: 694.9M FY2018FY2020FY2022FY2024FY2026
EPS (diluted)6.98
FY2017: 2.93FY2018: 4.70FY2019: 3.52FY2020: 3.86FY2021: 4.12FY2022: 4.94FY2023: 5.02FY2024: 5.23FY2025: 6.24FY2026: 6.98 FY2018FY2020FY2022FY2024FY2026
Dividend per share2.38
FY2017: 1.18FY2018: 1.36FY2019: 1.54FY2020: 1.66FY2021: 1.78FY2022: 1.90FY2023: 2.02FY2024: 2.14FY2025: 2.26FY2026: 2.38 FY2018FY2020FY2022FY2024FY2026
Diluted shares72.0M
FY2017: 78.3MFY2018: 77.6MFY2019: 77.3MFY2020: 76.9MFY2021: 75.7MFY2022: 73.5MFY2023: 73.1MFY2024: 73.0MFY2025: 73.0MFY2026: 72.0M FY2018FY2020FY2022FY2024FY2026

The segments changed

10-K filed 2026-08-28

Compared with the 10-K of Aug 25, 2025: new segment Corporate Services; no longer reported: Corporate and Other.

When a company changes its segments, the years before are usually recast, so growth by segment is not comparable with what earlier 10-Ks showed. Found by comparing the segments with revenue in the last two 10-Ks (XBRL) and by the 10-K's own words, without AI.

Revenue by business segment

year to Jun 30, 2026
RevenueSharevs year before
Payments 936.0M36.8% +7.2%
Core Segment 768.5M30.2% +4.8%
Complementary 752.2M29.6% +8.3%
Corporate Services 87.7M3.4% +18.3%

10-K 0000779152-26-000067, segment and revenue notes (XBRL).

Revenue by product or service

year to Jun 30, 2026
RevenueSharevs year before
Services and Support 1.4B56.9% +6.3%
Processing 1.1B43.1% +8.2%
Private and Public Cloud 816.1M32.1% +7.8%
On-Premise Support 336.8M13.2% -4.6%
Product Delivery and Service 295.1M11.6% +17.2%

10-K 0000779152-26-000067, segment and revenue notes (XBRL).

Income statement

From EDGAR
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Revenue1.4B1.5B1.6B1.7B1.8B1.9B2.1B2.2B2.4B2.5B
Cost of revenue805.9M853.1M923.0M1.0B1.1B1.1B1.2B1.3B1.4B1.4B
Gross profit612.1M---------
R&D84.8M90.3M96.4M110.0M109.0M121.4M142.7M148.3M162.8M176.4M
SG&A159.2M171.7M186.0M198.0M187.1M218.3M235.3M278.4M283.1M299.2M
Operating income341.7M357.5M347.3M380.6M398.7M474.6M480.7M489.4M568.7M635.0M
Interest expense996K1.9M926K688K1.1M2.4M15.1M---
Pretax income341.0M356.2M347.2M381.1M397.7M472.3M474.6M498.0M586.0M652.8M
Income tax111.4M-8.9M75.3M84.4M86.3M109.4M107.9M116.2M130.3M150.0M
Net income229.6M365.0M271.9M296.7M311.5M362.9M366.6M381.8M455.7M502.8M
EPS (diluted)2.934.703.523.864.124.945.025.236.246.98
Diluted shares78.3M77.6M77.3M76.9M75.7M73.5M73.1M73.0M73.0M72.0M
Depreciation & amortization49.7M48.0M47.4M52.2M52.5M50.8M48.7M46.3M43.7M42.1M
EBITDA391.4M405.5M394.7M432.8M451.2M525.4M529.4M535.7M612.4M677.1M
Gross margin42.8%---------
Operating margin23.9%23.3%22.4%22.4%22.7%24.4%23.1%22.1%23.9%25.0%
Net margin16.0%23.8%17.5%17.5%17.7%18.7%17.6%17.2%19.2%19.8%
Revenue growth-+7.4%+1.0%+9.3%+3.6%+10.5%+6.9%+6.6%+7.2%+7.1%
EPS growth-+60.4%-25.1%+9.7%+6.7%+19.9%+1.6%+4.2%+19.3%+11.9%

Balance sheet

From EDGAR
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Cash114.8M31.4M93.6M213.3M51.0M48.8M12.2M38.3M102.0M12.1M
Receivables276.9M297.3M310.1M300.9M306.6M348.1M361.3M333.0M318.0M349.1M
Current assets520.0M470.7M569.4M669.1M543.7M613.5M628.0M632.0M681.5M649.1M
Property & equipment282.9M285.6M272.5M273.4M252.5M211.7M205.7M215.1M221.0M220.5M
Goodwill552.5M649.9M666.9M686.3M687.5M687.5M804.8M804.8M804.8M827.7M
Total assets1.9B2.0B2.2B2.4B2.3B2.5B2.8B2.9B3.0B3.1B
Accounts payable6.8M30.4M9.8M9.9M18.5M21.0M19.2M25.3M28.2M34.9M
Current liabilities471.2M448.1M470.0M494.8M520.9M543.8M523.8M633.8M535.8M556.2M
Total debt50.0M00323K100.2M115.0M275.0M60.0M040.0M
Total liabilities876.9M710.2M755.8M878.8M1.0B1.1B1.2B1.1B913.1M1.1B
Shareholders' equity1.1B1.3B1.4B1.5B1.3B1.4B1.6B1.8B2.1B2.1B
Retained earnings1.6B1.9B2.1B2.2B2.4B2.6B2.9B3.1B3.4B3.7B

Cash flow

From EDGAR
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Operating cash flow357.3M412.1M431.1M510.5M462.1M504.6M381.6M568.0M641.5M762.0M
Capital spending41.9M40.1M53.6M53.5M23.0M34.7M39.2M58.1M53.4M67.1M
Free cash flow315.4M372.0M377.5M457.0M439.1M470.0M342.4M509.9M588.1M694.9M
Stock-based pay (added back)11.1M11.8M12.6M16.9M20.7M24.8M28.6M28.9M28.4M32.5M
Dividends paid91.7M105.0M118.7M127.4M133.8M139.1M147.2M155.9M164.6M170.4M
Buybacks130.1M49.0M54.9M71.5M431.5M193.9M25.0M28.1M35.1M448.2M
Acquisitions0137.6M20.0M30.4M2.3M0229.6M0042.4M
Debt repaid30.2M175.0M35.0M55.0M100.1M317.1M650.1M600.0M500.0M440.0M
Investing cash flow-141.6M-291.8M-190.6M-197.9M-162.2M-196.3M-409.7M-240.2M-232.2M-277.7M
Financing cash flow-171.3M-203.6M-178.3M-192.9M-462.2M-310.5M-8.4M-301.8M-345.7M-574.1M
Dividend per share1.181.361.541.661.781.902.022.142.262.38

Stock-based pay and leases

From EDGAR
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026
Stock-based pay (expense)11.1M11.8M12.6M16.9M20.7M24.8M28.6M28.9M28.4M32.5M
Stock-based pay / revenue0.8%0.8%0.8%1.0%1.2%1.3%1.4%1.3%1.2%1.3%
Operating lease cost---16.0M14.7M13.1M11.9M10.6M11.4M11.0M
Operating lease cash paid---14.3M13.7M13.1M12.1M9.3M10.6M11.3M
Right-of-use assets---63.9M56.0M46.9M43.7M54.0M44.8M31.8M
Operating lease liabilities---68.3M60.8M51.5M50.3M59.6M51.2M37.8M
Finance lease liabilities---323K193K67K----

From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.

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