Overview
JACK HENRY & ASSOCIATES INC
Latest 10-K: FY2026, filed Aug 28, 2026 · Open the 10-K (Inline XBRL) ↗
- Revenue
- $2.54B
- 7.1%YoYup from FY2025
- TotalRevenue
- Gross profit
- $1.11B
- 9.5%YoYup from FY2025
- GrossProfit
- Operating income
- $0.64B
- 11.7%YoYup from FY2025
- OperatingIncome
- Net income
- $0.50B
- 10.3%YoYup from FY2025
- NetIncome
- Diluted EPS
- $6.98
- 11.9%YoYup from FY2025
- EPSDiluted
- Diluted shares
- 72.0M
- 1.4%YoYdown from FY2025
- WeightedAvgSharesDiluted
At a glance
Growth
- JACK HENRY & ASSOCIATES INC reported revenue of $2.54B for fiscal 2026, up 7.1% from fiscal 2025.
- Revenue grew faster than the median S&P 500 member in 4 of the last 4 fiscal years.
Profitability
- Operating margin was 25.0% and net margin was 19.8%.
Per share
- Diluted EPS was $6.98, up 11.9% from the prior year.
Written from the filed figures on this page by fixed rules — no AI.
Data as of Oct 31, 2026 · Sources: SEC EDGAR 10-K
Financial statements
Annual figures from the 10-K, most recent fiscal year first.
Income Statement
5 annual periodsChip: YoY change.
| Line item | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $2.54B7.1%up | $2.38B7.2%up Benchmark median 6.4% | $2.22B6.6%up Benchmark median 4.5% | $2.08B6.9%up Benchmark median 4.8% | $1.94B10.5%up Benchmark median 10.3% | 7.0% |
| Gross Profit Median of 315 / 498 | $1.11B9.5%up | $1.01B10.7%up Benchmark median 6.8% | $0.92B6.7%up Benchmark median 5.5% | $0.86B5.4%up Benchmark median 5.2% | $0.81B17.2%up Benchmark median 8.3% | 8.1% |
| Operating Income Median of 373 / 498 | $635.03M11.7%up | $568.72M16.2%up Benchmark median 7.3% | $489.39M1.8%up Benchmark median 7.4% | $480.69M1.3%up Benchmark median 4.9% | $474.62M19.0%up Benchmark median 7.5% | 7.6% |
| Net Income | $502.78M10.3%up | $455.75M19.4%up Benchmark median 4.8% | $381.82M4.1%up Benchmark median 5.7% | $366.65M1.0%up Benchmark median 1.9% | $362.92M16.5%up Benchmark median 1.3% | 8.5% |
| EPS (Diluted) | $6.9811.9%up | $6.2419.3%up Benchmark median 6.2% | $5.234.2%up Benchmark median 7.9% | $5.021.6%up Benchmark median 1.9% | $4.9419.9%up Benchmark median 1.5% | 9.0% |
Balance Sheet
5 annual periodsChip: YoY change.
| Line item | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Total Assets | $3.15B3.3%up | $3.04B4.1%up Benchmark median 5.6% | $2.92B5.4%up Benchmark median 3.4% | $2.77B13.0%up Benchmark median 4.1% | $2.46B5.1%up Benchmark median 2.2% | 6.4% |
| Total Liabilities Median of 357 / 498 | $1.09B19.8%up | $0.91B15.6%down Benchmark median 6.4% | $1.08B7.1%down Benchmark median 1.9% | $1.17B8.5%up Benchmark median 2.9% | $1.07B5.6%up Benchmark median 2.0% | 0.5% |
| Stockholders' Equity | $2.05B3.7%down | $2.13B15.7%up Benchmark median 6.8% | $1.84B14.5%up Benchmark median 5.4% | $1.61B16.4%up Benchmark median 7.3% | $1.38B4.7%up Benchmark median 2.5% | 10.4% |
| Cash & Equivalents | — | — | — | — | — | — |
| Total Debt | $40.00M†n/m | $0.00M100.0%down Benchmark median 2.1% | $150.00M45.5%down Benchmark median 0.2% | $275.00M139.1%up Benchmark median 0.3% | $115.00M†14.9%up Benchmark median 0.1% | -23.2% |
† Sum of short-term and long-term debt; the company files no total-debt line.
Cash Flow Statement
5 annual periodsChip: YoY change.
| Line item | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | 4Y CAGR |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $761.96M18.8%up | $641.50M12.9%up Benchmark median 6.3% | $568.04M48.9%up Benchmark median 4.8% | $381.56M24.4%down Benchmark median 9.9% | $504.63M9.2%up Benchmark median -0.7% | 10.9% |
| Capital Expenditures | $67.10M25.8%up | $53.36M8.2%down Benchmark median 5.4% | $58.12M48.3%up Benchmark median 2.8% | $39.18M13.0%up Benchmark median 11.3% | $34.66M50.8%up Benchmark median 14.0% | 18.0% |
| Free Cash Flow Median of 378 / 498 | $694.86M18.1%up | $588.15M15.3%up Benchmark median 7.3% | $509.92M48.9%up Benchmark median 6.1% | $342.38M27.1%down Benchmark median 8.8% | $469.97M7.0%up Benchmark median -11.3% | 10.3% |
n/m: not meaningful — the base (the prior year, or the first year for the CAGR) was zero or negative, or a per-share figure’s share basis changed (stock split). “—” means the figure is not available.
Benchmark median = median of the companies in the benchmark universe on Dec 31 of each fiscal year, from their own 10-K filings; a change counts only companies whose prior year was positive. Each median uses every member that reports the line item; where fewer than 80% do (banks and insurers file no gross profit), the row names how many. Published where at least 250 companies report it. Updated 2026-10-27. This compares reported figures, not share-price returns. Methodology
Ratios & valuation
FY2026Every ratio read two ways: Wall Street’s popular formula and the value investor’s stricter one. Same question, same unit. Pick a ratio.
Valuation · Earnings yield
What a dollar of market value earned
5.1%
Wall Street
on net earnings
FY2025 3.5%
7.0%
Value investor
on free cash flow
FY2025 4.5%
Gap +1.9 pts: Value-investor figure 1.9 points higher
How it’s calculated
Wall Street · on net earnings
Diluted EPS ÷ fiscal-year-end share price (1 ÷ P/E)
pe_ratio (ratio table)
P/E 19.7×Value investor · on free cash flow
(Operating cash flow − capital expenditures) ÷ market capitalisation (fiscal-year-end close × weighted-average diluted shares)
free cash flow ÷ market cap
Valuation · Book yield
Net assets behind a dollar of market value
20.7%
Wall Street
on book equity
FY2025 16.2%
12.3%
Value investor
on tangible book
FY2025 10.1%
Gap −8.4 pts: Value-investor figure 8.4 points lower
How it’s calculated
Wall Street · on book equity
Book value of equity ÷ market capitalisation (1 ÷ P/B)
pb_ratio (ratio table)
P/B 4.8×Value investor · on tangible book
Tangible book value (equity less goodwill and intangibles) ÷ market capitalisation
tangible_book_value_per_share ÷ (pb_ratio × book_value_per_share)
Quality · Return on capital
Profit earned on the money in the business
24.0%
Wall Street
ROE: net income ÷ equity
FY2025 22.9%
18.9%
Value investor
ROIC: after-tax operating profit ÷ invested capital
FY2025 17.7%
Gap −5.1 pts: Value-investor figure 5.1 points lower
How it’s calculated
Wall Street · ROE: net income ÷ equity
Net income ÷ average stockholders' equity (start and end of year), including noncontrolling interests. Buybacks shrink equity and lift it.
return_on_equity (ratio table)
Value investor · ROIC: after-tax operating profit ÷ invested capital
Operating profit after tax ÷ invested capital (total assets − cash − non-interest-bearing current liabilities), so leverage cannot flatter it
roic (ratio table)
Quality · Cash margin
Cash profit kept from each dollar of sales
26.6%
Wall Street
EBITDA margin
FY2025 25.8%
27.3%
Value investor
Free-cash-flow margin
FY2025 24.8%
Gap +0.7 pts: Value-investor figure 0.7 points higher
How it’s calculated
Wall Street · EBITDA margin
EBITDA ÷ revenue
ebitda ÷ revenue
Value investor · Free-cash-flow margin
(Operating cash flow − capital expenditures) ÷ revenue: taxes, interest, working capital and capex all paid
free cash flow ÷ revenue
Balance sheet · Liquidity
Short-term assets per dollar of bills due within a year
1.17×
Wall Street
Current ratio
FY2025 1.27×
1.17×
Value investor
Quick ratio, inventory excluded
FY2025 1.27×
Gap Same: Both views read the same
How it’s calculated
Wall Street · Current ratio
Current assets ÷ current liabilities
current_ratio (ratio table)
Value investor · Quick ratio, inventory excluded
(Current assets − inventory) ÷ current liabilities
quick_ratio (ratio table)
Balance sheet · Debt cover
How many times one year of earnings repays all debt
16.93×
Wall Street
EBITDA ÷ total debt
FY2025 No debt
17.37×
Value investor
FCF ÷ total debt
FY2025 No debt
Gap +0.44×: Value-investor figure 0.44 higher
How it’s calculated
Wall Street · EBITDA ÷ total debt
EBITDA ÷ total debt (short-term + long-term)
ebitda ÷ total debt
Value investor · FCF ÷ total debt
Free cash flow ÷ total debt: what is actually left to repay it
free cash flow ÷ total debt
Balance sheet · Interest cover
How many times earnings pay the year's interest
125.7×
Wall Street
EBITDA ÷ interest
FY2025 58.7×
117.9×
Value investor
EBIT ÷ interest
FY2025 54.5×
Gap −7.8×: Value-investor figure 7.8 lower
How it’s calculated
Wall Street · EBITDA ÷ interest
EBITDA ÷ interest expense
ebitda_interest_coverage (ratio table)
Value investor · EBIT ÷ interest
Operating income ÷ interest expense
interest_coverage (ratio table)
Each ratio measures one thing two ways, in the same unit: the popular formula, then a stricter one, so a lower figure is the stricter reading. Gap = value-investor figure minus Wall Street figure, from the figures shown.
Price-based ratios use the fiscal-year-end closing price. Free cash flow = operating cash flow − capital expenditures (we compute it; filings rarely report it). n/m = not meaningful (denominator ≤ 0); “—” = not reported. Each ratio’s formulas are under “How it’s calculated”.
Smart money
Showing the most recent 5 annual periods. Get longer history on the Pro plan, or the full history (1993–present) plus the smart-money dataset and webhooks on Institutional.
Peers, filings & research
Research Reports
No published research on JKHY yet.
Reports appear here as analysts publish research on this company — built with Valuein's agentic workflows on data pinned to its SEC filing. Be the first: run equity_research_brief on JKHY and publish the result to your public profile.
Cite this page
Data as of Oct 31, 2026. Canonical address: https://valuein.biz/data/JKHY
Valuein. (2026, October 31). JACK HENRY & ASSOCIATES INC (JKHY) financial statements, earnings power and smart-money summary [Data set]. Source: SEC EDGAR filings. https://valuein.biz/data/JKHY
@misc{valuein_jkhy_2026,
author = {{Valuein}},
title = {JACK HENRY \& ASSOCIATES INC (JKHY) financial statements, earnings power and smart-money summary},
year = {2026},
howpublished = {\url{https://valuein.biz/data/JKHY}},
note = {Data as of 2026-10-31; source: SEC EDGAR filings}
}10-K filed Aug 28, 2026 · accession 0000779152-26-000067
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point-in-time · survivorship-free · every number traceable to its SEC filing
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