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US core banking and payments technology provider for community banks and credit unions.
US core banking and payments technology provider for community banks and credit unions.
Customers sign multi-year contracts and pay recurring fees for hosting, processing and support, often scaled by the number of accounts or transactions, so most revenue repeats. It sells three core banking systems and adds digital banking and payments on top of whichever core a bank uses.
Moat: wide (switching costs, installed base, customer qualification). Core banking systems are mission-critical; community banks rarely switch cores due to cost and disruption risk.
Headquarters: Monett, Missouri, US · Founded: 1976 · Employees: 7,300
Size Jack Henry & Associates (JKHY) is a United States Financials company (Packaged Software) with a market value of $12.1B, the 687th largest of 3,117 United States companies the cockpit tracks. Shares closed at $173.23 on 6 Nov 2026.
Performance Over six months the shares gained 18.8%, against -3.1% for the median peer and -1.1% for the United States market (cap-weighted) — 5th highest of 21 in its peer set.
Growth Revenue grew 6.3% over the last twelve months (peer median +8.2%); the operating margin is 24.9% (peer median 22.3%).
Valuation It trades at 22.9× forward earnings against a peer median of 10.8× (3rd most expensive of 21).
Backlog Backlog (remaining performance obligations) was $8.42B at 30 Sep 2026, up 5% on a year earlier — 3.2 years of trailing revenue. Backlog detail →
Short interest Short interest is 6.3% of the free float (15 Oct 2026).
Next results Next results expected around 9 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | |
|---|---|---|---|---|---|
| Revenue | $2.57B | $2.50B | $2.38B | $2.22B | $2.08B |
| Revenue growth | — | +5% | +7% | +7% | — |
| Gross profit | $1.12B | $1.08B | $1.01B | $919M | $859M |
| EBITDA | $856M | $821M | $773M | $705M | $671M |
| Net income | $519M | $503M | $456M | $382M | $367M |
| Free cash flow | $717M | $695M | $588M | $510M | $342M |
| Capital expenditure | $275M | $255M | $231M | $232M | $207M |
| Total debt | $85.0M | $77.8M | $51.2M | $210M | $325M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g |
|---|---|---|---|---|---|---|
| Jack Henry & Associates JKHY | $12.1B | +19% | +6% | 25% | 22.9× | n/a |
| Fiserv FISV | $33.4B | +13% | -2% | 19% | 8.2× | n/a |
| Fidelity National Information Services FIS | $14.8B | -33% | +24% | 22% | 5.1× | n/a |
| Q2 Holdings, Inc. QTWO | $4.57B | +47% | +13% | 13% | 22.5× | 26.6% |
Peer set: Sector in the same market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | JKHY | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +16.2% | +1.9% | 3rd highest of 21 |
| 6-month return | +18.8% | -3.1% | 5th highest of 21 |
| Distance from 52-week high | -10.1% | -19.2% | 7th highest of 21 |
| Revenue growth (TTM) | +6.3% | +8.2% | 9th lowest of 21 |
| Operating margin | 24.9% | 22.3% | 9th highest of 21 |
| Forward P/E | 22.9× | 10.8× | 3rd most expensive of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g | Delivered g |
|---|---|---|---|---|---|---|---|---|
| Jack Henry & Associates JKHY | United States | $12.1B | +19% | +6% | 25% | 22.9× | n/a | n/a |
| Unum UNM | United States | $12.2B | -5% | -5% | 4% | 8.9× | n/a | n/a |
| Globe Life GL | United States | $12.1B | +4% | +6% | 26% | 9.8× | n/a | n/a |
| Ryan Specialty RYAN | United States | $12.0B | +52% | +9% | 20% | 20.3× | n/a | n/a |
| Invesco IVZ | United States | $11.9B | -1% | +17% | 24% | 8.6× | n/a | n/a |
| SEI Investments SEIC | United States | $12.5B | +15% | +13% | 30% | 15.3× | n/a | n/a |
| Fidelity National Financial, Inc. - FNF FNF | United States | $11.8B | -13% | +13% | 13% | 8.7× | n/a | n/a |
| Erie Indemnity ERIE | United States | $12.7B | +26% | +2% | 18% | 20.6× | n/a | n/a |
| FactSet FDS | United States | $11.6B | +47% | +7% | 31% | 16.7× | n/a | n/a |
| CNA Financial CNA | United States | $12.8B | +9% | +2% | 9% | 10.3× | n/a | n/a |
| American Financial AFG | United States | $12.8B | +18% | +3% | 15% | 12.9× | n/a | n/a |
| Ally Financial ALLY | United States | $11.5B | -14% | +5% | 19% | 6.5× | n/a | n/a |
| Freedom FRHC | United States | $11.4B | +28% | +8% | 29% | 39.7× | n/a | n/a |
| BitMine Immersion Technologies BMNR | United States | $11.3B | -15% | +1,022% | -485% | 25.9× | n/a | n/a |
| Wise WSE | United States | $13.2B | -23% | +20% | 22% | 17.4× | n/a | n/a |
| Evercore EVR | United States | $10.9B | -17% | +37% | 22% | 14.2× | n/a | n/a |
| First Horizon FHN | United States | $10.9B | -6% | -8% | 30% | 10.2× | n/a | n/a |
| Jefferies Financial JEF | United States | $10.9B | -11% | +26% | 41% | 11.3× | n/a | n/a |
| Futu Holdings Ltd. Sponsored ADR FUTU | United States | $13.7B | -32% | +44% | 69% | 6.8× | n/a | n/a |
| Stifel Financial SF | United States | $10.7B | -7% | +8% | 22% | 10.3× | n/a | n/a |
| Ares Capital ARCC | United States | $13.8B | +1% | -8% | 61% | 9.9× | n/a | n/a |
Jack Henry & Associates reported $8.42B of remaining performance obligations at 30 Sep 2026, up 5% from a year earlier and down 0% from the previous quarter. That is 3.2 years of trailing revenue already under contract. Book-to-bill last quarter: 0.97.