Jack Henry & Associates (JKHY)
Financials · Financial Technology / Core Banking Software
Jack Henry & Associates is a core processing and digital banking software provider serving community and regional financial institutions across the United States.
What Jack Henry & Associates does
Jack Henry & Associates provides core processing systems, digital banking platforms, and related solutions to community banks, credit unions, and financial services companies. The company develops and licenses software for financial institution operations, including loan management, deposit processing, and online/mobile banking capabilities. Revenue is generated primarily through software licensing, maintenance, support services, and professional services delivered to thousands of financial institutions. The company also generates recurring revenue from hosted and on-premises deployment models.
Themes: ["Community banking","Financial technology","Digital transformation","Core processing","Fintech infrastructure","Payment systems","Cloud banking","Regional financial institutions"]
Fundamentals
- Price$150.22 as of 2026-07-09 close
- Market cap$10.5B as of 2026-07-10
- 1-year return-18.3% as of 2026-07-09 close
- P/E20.14 as of 2026-07-10
- Net margin+20.6% as of 2026-07-10
- Gross margin+44.1% as of 2026-07-10
- ROE+24.0% as of 2026-07-10
- Debt / equity0.04 as of 2026-07-10
- Revenue growth (YoY)+8.4% as of 2026-07-10
- Revenue CAGR (3y)+6.9% SEC XBRL
- Beta0.56 as of 2026-07-10
Dividend: yield +1.7%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Dependence on community and regional financial institutions as primary customers, creating concentration risk if larger banks consolidate or reduce technology spending","Increasing competition from larger fintech providers and cloud-based banking platforms that may offer lower-cost alternatives","Integration risks and operational challenges when implementing new systems for customers or acquiring complementary technologies"]
Competitors & peers
- FIS (Fiserv)
- Temenos
- SS&C Technologies
- Bottomline Technologies
- Finastra
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.