Jack Henry & Associates Inc (JKHY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Jack Henry & Associates Inc stock (JKHY) is currently trading at $157.40. Jack Henry & Associates Inc PE ratio is 22.79. Jack Henry & Associates Inc PS ratio (Price-to-Sales) is 4.67. Analyst consensus price target for JKHY is $203.21. WallStSmart rates JKHY as Hold.
- JKHY PE ratio analysis and historical PE chart
- JKHY PS ratio (Price-to-Sales) history and trend
- JKHY intrinsic value — DCF, Graham Number, EPV models
- JKHY stock price prediction 2025 2026 2027 2028 2029 2030
- JKHY fair value vs current price
- JKHY insider transactions and insider buying
- Is JKHY undervalued or overvalued?
- Jack Henry & Associates Inc financial analysis — revenue, earnings, cash flow
- JKHY Piotroski F-Score and Altman Z-Score
- JKHY analyst price target and Smart Rating
Jack Henry & Associates Inc
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JKHY Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Jack Henry & Associates Inc (JKHY)
JKHY trades at a significant discount to its Graham intrinsic value of $326.20, offering a 49% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Jack Henry & Associates Inc (JKHY) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, return on equity, operating margin. Concerns around price/book. Fundamentals are solid but monitor weak areas for improvement.
Jack Henry & Associates Inc (JKHY) Key Strengths (6)
Keeps $21 of every $100 in revenue as net profit
104.49% of shares held by major funds and institutions
Large-cap company with substantial market presence
Every $100 of equity generates $24 in profit
Strong operational efficiency: $26 kept per $100 revenue
Strong earnings growth at 28.40% per year
Supporting Valuation Data
Jack Henry & Associates Inc (JKHY) Areas to Watch (4)
Very expensive at 5.4x book value
Paying a premium for growth, expensive relative to earnings expansion
Premium valuation at 4.7x annual revenue
Modest revenue growth at 7.90%
Jack Henry & Associates Inc (JKHY) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.0/10) while 4 fall into concern territory (avg 3.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Profit Margin, Institutional Own., Market Cap. Profitability is solid with Return on Equity at 24.30%, Operating Margin at 25.70%, Profit Margin at 20.60%. Growth metrics are encouraging with EPS Growth at 28.40%.
The Bear Case
The primary concerns are Price/Book, PEG Ratio, Price/Sales. Some valuation metrics including PEG Ratio (2.29), Price/Sales (4.67), Price/Book (5.42) suggest expensive pricing. Growth concerns include Revenue Growth at 7.90%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 24.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 7.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Profit Margin, Institutional Own.) and negatives (Price/Book, PEG Ratio). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
JKHY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
JKHY's Price-to-Sales ratio of 4.67x trades at a 32% premium to its historical average of 3.53x (75th percentile). The current valuation is 38% below its historical high of 7.52x set in Sep 2018, and 201% above its historical low of 1.55x in Feb 2009.
Compare JKHY with Competitors
Top INFORMATION TECHNOLOGY SERVICES stocks by market cap
Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for Jack Henry & Associates Inc (JKHY) · TECHNOLOGY › INFORMATION TECHNOLOGY SERVICES
The Big Picture
Jack Henry & Associates Inc is a mature, profitable business with steady cash generation. Revenue reached 2.5B with 8% growth year-over-year. Profit margins are strong at 20.6%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 24.3% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 20.6% and operating margin of 25.7% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Debt management: total debt of 107M is significantly higher than cash (28M). Monitor refinancing risk.
Sector dynamics: monitor INFORMATION TECHNOLOGY SERVICES industry trends, competitive moves, and regulatory changes that could impact Jack Henry & Associates Inc.
Bottom Line
Jack Henry & Associates Inc is a well-established business delivering consistent profitability with 20.6% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(4 last 3 months)
| Insider | Type | Shares |
|---|---|---|
FLANIGAN, MATTHEW C Director | Sell | -440 |
Data sourced from SEC Form 4 filings
Last updated: 12:59:04 PM
About Jack Henry & Associates Inc(JKHY)
NASDAQ
TECHNOLOGY
INFORMATION TECHNOLOGY SERVICE...
USA
Jack Henry & Associates, Inc. is a technology company and payment processing service for the financial services industry.