What is Jack Henry & Associates' operating income?

Jack Henry & Associates' total operating income in 2026 was $635.03 million, based on the following breakdown: Total Gross Profit: $1.11 billion Total Operating Expenses: $475.66 million

Jack Henry & Associates (JKHY) Financials

$161.12 -0.30 (-0.19%)

Closing price 09/11/2026 04:00 PM Eastern

Extended Trading

$161.09 -0.03 (-0.02%)

As of 09/11/2026 07:44 PM Eastern

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Annual Income Statements for Jack Henry & Associates

This table shows Jack Henry & Associates' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	6/30/2025	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	249	230	365	272	297	311	363	367	382	456	503
Consolidated Net Income / (Loss)	249	230	365	272	297	311	363	367	382	456	503
Net Income / (Loss) Continuing Operations	249	230	365	272	297	311	363	367	382	456	503
Total Pre-Tax Income	361	341	356	347	381	398	472	475	498	586	653
Total Operating Income	362	342	358	347	381	399	475	481	489	569	635
Total Gross Profit	581	582	618	630	689	695	814	859	916	1,015	1,111
Total Revenue	1,355	1,388	1,471	1,553	1,697	1,758	1,943	2,078	2,216	2,375	2,544
Operating Revenue	1,355	1,388	1,471	1,553	1,697	1,758	1,943	2,078	2,216	2,375	2,544
Total Cost of Revenue	774	806	853	923	1,008	1,063	1,129	1,219	1,299	1,361	1,434
Operating Cost of Revenue	774	806	853	923	1,008	1,063	1,129	1,219	1,299	1,361	1,434
Total Operating Expenses	219	241	260	282	308	296	340	378	427	446	476
Selling, General & Admin Expense	158	159	172	186	198	187	218	235	278	283	299
Research & Development Expense	81	85	90	96	110	109	121	143	148	163	176
Total Other Income / (Expense), net	-1.12	-0.75	-2.69	-0.05	0.45	-0.99	-2.35	-6.11	8.63	17	18
Income Tax Expense	112	111	-8.88	75	84	86	109	108	116	130	150
Basic Earnings per Share	$3.13	$2.95	$4.73	$3.52	$3.86	$4.12	$4.95	$5.03	$5.24	$6.25	$7.00
Weighted Average Basic Shares Outstanding	79.42M	77.86M	77.25M	77.16M	76.79M	75.55M	73.32M	72.92M	72.87M	72.87M	71.87M
Diluted Earnings per Share	$3.12	$2.93	$4.70	$3.52	$3.86	$4.12	$4.94	$5.02	$5.23	$6.24	$6.98
Weighted Average Diluted Shares Outstanding	79.73M	78.26M	77.59M	77.35M	76.93M	75.66M	73.49M	73.10M	73.03M	73.05M	72.04M
Weighted Average Basic & Diluted Shares Outstanding	79.50M	77.80M	77.18M	77.00M	76.64M	74.01M	72.90M	72.94M	72.91M	72.87M	70.11M

This table shows Jack Henry & Associates' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	92	87	101	119	98	111	128	144	125	123	111
Consolidated Net Income / (Loss)	92	87	101	119	98	111	128	144	125	123	111
Net Income / (Loss) Continuing Operations	92	87	101	119	98	111	128	144	125	123	111
Total Pre-Tax Income	120	114	130	157	127	142	160	190	164	159	140
Total Operating Income	119	112	126	151	123	139	156	184	159	155	137
Total Gross Profit	225	210	233	258	241	245	271	296	268	272	274
Total Revenue	546	539	560	601	574	585	615	645	619	636	644
Operating Revenue	546	539	560	601	574	585	615	645	619	636	644
Total Cost of Revenue	321	328	327	343	333	341	344	349	351	364	370
Operating Cost of Revenue	321	328	327	343	333	341	344	349	351	364	370
Total Operating Expenses	106	98	107	106	118	106	116	112	109	117	137
Selling, General & Admin Expense	70	62	67	67	77	66	73	73	67	72	87
Research & Development Expense	35	36	40	40	41	39	43	39	42	45	50
Total Other Income / (Expense), net	1.26	2.07	4.76	5.52	4.38	3.17	4.25	6.25	5.05	3.49	2.97
Income Tax Expense	28	27	29	38	30	31	32	46	40	36	29
Basic Earnings per Share	$1.26	$1.20	$1.38	$1.63	$1.34	$1.53	$1.75	$1.98	$1.73	$1.71	$1.58
Weighted Average Basic Shares Outstanding	72.84M	72.87M	72.87M	72.91M	72.92M	72.85M	72.87M	72.75M	72.27M	71.77M	71.87M
Diluted Earnings per Share	$1.26	$1.19	$1.39	$1.63	$1.34	$1.52	$1.75	$1.97	$1.72	$1.71	$1.58
Weighted Average Diluted Shares Outstanding	72.98M	73.03M	73.03M	73.08M	73.08M	73.01M	73.05M	72.91M	72.41M	71.98M	72.04M
Weighted Average Basic & Diluted Shares Outstanding	72.87M	72.90M	72.91M	72.96M	72.90M	72.82M	72.87M	72.38M	72.17M	71.05M	70.11M

This table details how cash moves in and out of Jack Henry & Associates' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	6/30/2025	6/30/2026
Net Change in Cash & Equivalents	-78	44	-83	62	120	-162	-2.21	-37	26	64	-90
Net Cash From Operating Activities	366	357	412	431	511	462	505	382	568	642	762
Net Cash From Continuing Operating Activities	366	357	412	431	511	462	505	382	568	642	762
Net Income / (Loss) Continuing Operations	249	230	365	272	297	311	363	367	382	456	503
Consolidated Net Income / (Loss)	249	230	365	272	297	311	363	367	382	456	503
Depreciation Expense	51	50	48	47	52	53	51	49	46	44	42
Amortization Expense	79	90	104	113	120	123	127	142	154	161	171
Non-Cash Adjustments To Reconcile Net Income	-6.17	16	11	13	46	19	25	24	33	30	35
Changes in Operating Assets and Liabilities, net	-5.93	-28	-116	-14	-4.14	-44	-61	-200	-46	-49	11
Net Cash From Investing Activities	-136	-142	-292	-191	-198	-162	-196	-410	-240	-232	-278
Net Cash From Continuing Investing Activities	-136	-142	-292	-191	-198	-162	-196	-410	-240	-232	-278
Purchase of Property, Plant & Equipment	-165	-148	-137	-165	-171	-151	-183	-205	-225	-226	-251
Acquisitions	-8.28	0.00	-151	-26	-37	-8.81	-8.49	-231	-7.13	-5.36	-46
Purchase of Investments	0.00	0.00	-5.00	0.00	-1.15	-13	-5.00	-1.00	-8.65	-2.00	-14
Sale of Property, Plant & Equipment	2.84	0.97	0.31	0.13	11	6.19	0.05	28	0.90	0.00	33
Sale and/or Maturity of Investments	-	-	-	0.00	0.00	5.00	-	0.00	0.00	1.00	1.00
Net Cash From Financing Activities	-308	-171	-204	-178	-193	-462	-310	-8.43	-302	-346	-574
Net Cash From Continuing Financing Activities	-308	-171	-204	-178	-193	-462	-310	-8.43	-302	-346	-574
Repayment of Debt	-153	-30	-175	-35	-55	-100	-317	-650	-600	-500	-440
Repurchase of Common Equity	-176	-130	-49	-55	-72	-432	-194	-25	-28	-35	-448
Payment of Dividends	-84	-92	-105	-119	-127	-134	-139	-147	-156	-165	-170
Issuance of Debt	100	80	125	35	55	200	332	810	475	350	480
Issuance of Common Equity	5.71	6.25	7.52	9.04	9.83	11	12	12	12	12	12
Other Financing Activities, net	-1.89	-5.48	-7.16	-14	-3.74	-7.72	-4.15	-8.50	-5.38	-7.72	-7.18

This table details how cash moves in and out of Jack Henry & Associates' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
Net Change in Cash & Equivalents	-4.76	0.55	11	4.93	-18	14	62	-66	-8.02	-7.64	-8.52
Net Cash From Operating Activities	82	98	232	117	90	108	327	121	153	186	303
Net Cash From Continuing Operating Activities	82	98	232	117	90	108	327	121	153	186	303
Net Income / (Loss) Continuing Operations	92	87	101	119	98	111	128	144	125	123	111
Consolidated Net Income / (Loss)	92	87	101	119	98	111	128	144	125	123	111
Depreciation Expense	12	11	11	11	11	10	11	10	10	10	11
Amortization Expense	38	39	39	39	40	41	41	41	43	43	44
Non-Cash Adjustments To Reconcile Net Income	8.66	6.98	10	6.68	8.86	6.88	7.95	2.51	6.91	12	14
Changes in Operating Assets and Liabilities, net	-69	-47	70	-59	-69	-61	140	-78	-32	-2.61	123
Net Cash From Investing Activities	-60	-54	-76	-59	-61	-57	-56	-99	-57	-64	-58
Net Cash From Continuing Investing Activities	-60	-54	-76	-59	-61	-57	-56	-99	-57	-64	-58
Purchase of Property, Plant & Equipment	-59	-52	-66	-55	-60	-56	-54	-57	-65	-64	-65
Acquisitions	-0.69	-1.59	-2.57	-2.68	-0.85	-0.31	-1.53	-44	-1.40	-0.09	-1.11
Purchase of Investments	-1.00	-0.15	-7.50	-2.00	-	-	-	-6.00	-7.50	-0.21	-0.01
Sale of Property, Plant & Equipment	0.03	0.02	0.00	0.00	-	-	0.00	7.48	17	-	8.26
Net Cash From Financing Activities	-26	-43	-145	-53	-46	-37	-209	-88	-103	-129	-254
Net Cash From Continuing Financing Activities	-26	-43	-145	-53	-46	-37	-209	-88	-103	-129	-254
Repayment of Debt	-75	-120	-240	-85	-80	-70	-265	0.00	-105	-165	-170
Repurchase of Common Equity	-	-	-8.06	0.00	-17	-18	0.00	-62	-63	-159	-164
Payment of Dividends	-38	-40	-40	-40	-40	-42	-42	-42	-42	-43	-43
Issuance of Debt	85	115	140	75	90	90	95	20	105	235	120
Issuance of Common Equity	2.62	3.37	3.07	3.04	2.17	3.48	3.06	3.09	1.92	3.46	3.16
Other Financing Activities, net	-0.62	-1.78	-0.04	-6.17	-1.17	-0.32	-0.07	-6.71	-0.28	-0.14	-0.05

This table presents Jack Henry & Associates' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	6/30/2025	6/30/2026
Total Assets	1,816	90	2,648	2,185	2,428	2,336	2,456	2,774	2,924	3,044	3,146
Total Current Assets	432	0.00	471	569	669	544	614	628	632	681	649
Cash & Equivalents	70	-	31	94	213	51	49	12	38	102	12
Accounts Receivable	254	-	297	310	301	307	348	361	333	318	349
Prepaid Expenses	57	-	96	106	96	110	126	169	169	180	193
Current Deferred & Refundable Income Taxes	16	-	22	18	21	30	14	7.52	6.15	0.00	6.90
Other Current Assets	35	-	24	41	38	46	57	78	86	81	88
Plant, Property, & Equipment, net	299	0.00	286	272	273	252	212	206	215	221	220
Total Noncurrent Assets	1,085	90	1,892	1,343	1,486	1,540	1,630	1,940	2,077	2,142	2,276
Goodwill	553	-	650	667	686	687	687	805	805	805	828
Intangible Assets	362	90	941	451	465	476	506	651	672	685	717
Other Noncurrent Operating Assets	170	-	300	225	334	376	437	484	601	651	732
Total Liabilities & Shareholders' Equity	1,816	0.00	2,033	2,185	2,428	2,336	2,456	2,774	2,924	3,044	3,146
Total Liabilities	819	0.00	710	756	879	1,017	1,074	1,165	1,082	913	1,094
Total Current Liabilities	444	0.00	448	470	495	521	544	524	634	536	556
Accounts Payable	15	-	30	9.85	9.88	18	21	19	25	28	35
Accrued Expenses	85	-	89	120	167	183	192	173	201	207	227
Current Deferred Revenue	344	-	329	340	318	320	331	332	318	290	295
Current Deferred & Payable Income Tax Liabilities	0.00	-	-	-	-	-	-	-	0.00	9.68	0.00
Total Noncurrent Liabilities	376	0.00	262	286	384	496	530	642	448	377	538
Long-Term Debt	0.00	-	-	0.00	0.21	100	115	275	60	0.00	40
Noncurrent Deferred Revenue	178	-	41	55	71	76	71	68	71	73	78
Noncurrent Deferred & Payable Income Tax Liabilities	189	-	208	217	244	261	293	244	244	240	366
Other Noncurrent Operating Liabilities	9.44	-	13	14	68	59	51	54	74	64	54
Total Equity & Noncontrolling Interests	996	0.00	1,323	1,429	1,550	1,319	1,382	1,609	1,842	2,131	2,052
Total Preferred & Common Equity	996	0.00	1,323	1,429	1,550	1,319	1,382	1,609	1,842	2,131	2,052
Preferred Stock	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	996	0.00	1,323	1,429	1,550	1,319	1,382	1,609	1,842	2,131	2,052
Common Stock	441	-	465	473	496	520	552	585	621	653	690
Retained Earnings	1,431	-	1,913	2,066	2,235	2,412	2,636	2,856	3,082	3,373	3,705
Treasury Stock	-876	-	-1,055	-1,110	-1,182	-1,613	-1,807	-1,832	-1,860	-1,895	-2,343

This table presents Jack Henry & Associates' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	9/30/2025	12/31/2025	3/31/2026
Total Assets	2,774	2,734	2,754	2,770	2,924	2,929	2,912	2,932	3,048	3,060	3,051
Total Current Assets	628	563	554	523	632	635	580	593	652	616	595
Cash & Equivalents	12	31	27	27	38	43	26	40	36	28	21
Accounts Receivable	361	289	271	263	333	307	283	282	308	298	282
Inventories, net	-	-	-	-	-	10	-	-	11	0.00	5.73
Prepaid Expenses	169	164	179	159	169	191	190	188	211	202	201
Current Deferred & Refundable Income Taxes	7.52	0.00	0.00	0.00	6.15	0.00	0.00	0.00	0.78	2.43	3.53
Other Current Assets	78	80	78	73	86	84	81	83	85	85	81
Plant, Property, & Equipment, net	206	203	205	216	215	212	227	222	205	215	214
Total Noncurrent Assets	1,940	1,968	1,995	2,032	2,077	2,082	2,105	2,117	2,191	2,229	2,242
Goodwill	805	805	805	805	805	805	805	805	827	828	828
Intangible Assets	651	658	662	667	672	676	680	684	713	712	715
Other Noncurrent Operating Assets	484	505	528	561	601	601	620	628	651	689	699
Total Liabilities & Shareholders' Equity	2,774	2,734	2,754	2,770	2,924	2,929	2,912	2,932	3,048	3,060	3,051
Total Liabilities	1,165	1,074	1,030	991	1,082	1,003	936	896	874	857	916
Total Current Liabilities	524	471	404	375	634	571	497	436	436	385	341
Accounts Payable	19	20	19	27	25	20	24	13	18	18	20
Accrued Expenses	173	158	174	180	201	180	186	184	173	174	192
Current Deferred Revenue	332	262	197	147	318	249	197	144	245	193	129
Current Deferred & Payable Income Tax Liabilities	-	31	14	20	0.00	31	0.28	4.23	0.00	0.00	0.00
Total Noncurrent Liabilities	642	604	626	616	448	433	439	460	438	472	575
Long-Term Debt	275	245	255	250	60	50	60	80	20	20	90
Noncurrent Deferred Revenue	68	72	72	67	71	71	72	78	76	78	80
Noncurrent Deferred & Payable Income Tax Liabilities	244	234	228	229	244	239	235	231	279	310	340
Other Noncurrent Operating Liabilities	54	53	70	70	74	73	72	72	63	64	64
Total Equity & Noncontrolling Interests	1,609	1,660	1,724	1,780	1,842	1,925	1,976	2,036	2,173	2,203	2,135
Total Preferred & Common Equity	1,609	1,660	1,724	1,780	1,842	1,925	1,976	2,036	2,173	2,203	2,135
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,609	1,660	1,724	1,780	1,842	1,925	1,976	2,036	2,173	2,203	2,135
Common Stock	585	592	603	611	621	624	634	644	656	666	678
Retained Earnings	2,856	2,920	2,974	3,021	3,082	3,161	3,219	3,287	3,475	3,557	3,637
Treasury Stock	-1,832	-1,852	-1,852	-1,852	-1,860	-1,860	-1,877	-1,895	-1,957	-2,020	-2,180

This table displays calculated financial ratios and metrics derived from Jack Henry & Associates' official financial filings.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Period end date	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	6/30/2024	6/30/2025	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	71,050,780.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	71,050,780.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	7.08
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	7.84%	2.48%	5.94%	5.57%	9.30%	3.60%	10.50%	6.94%	6.63%	7.21%	7.12%
EBITDA Growth	12.46%	-2.00%	5.81%	-0.31%	8.76%	3.99%	13.54%	2.94%	2.66%	12.21%	9.67%
EBIT Growth	13.78%	-5.51%	4.62%	-2.86%	9.60%	4.75%	19.04%	1.28%	1.81%	16.21%	11.66%
NOPAT Growth	17.66%	-7.84%	59.27%	-25.79%	8.97%	5.38%	16.81%	1.82%	1.03%	17.88%	10.59%
Net Income Growth	17.82%	-7.76%	59.01%	-25.52%	9.12%	4.99%	16.52%	1.03%	4.14%	19.36%	10.32%
EPS Growth	20.46%	-6.09%	60.41%	-25.11%	9.66%	6.74%	19.90%	1.62%	4.18%	19.31%	11.86%
Operating Cash Flow Growth	-1.97%	-2.48%	15.34%	4.61%	18.42%	-9.48%	9.20%	-24.39%	48.87%	12.93%	18.78%
Free Cash Flow Firm Growth	-1.32%	385.62%	-236.00%	158.15%	-64.99%	-4.95%	1.74%	-118.22%	662.35%	25.68%	19.21%
Invested Capital Growth	3.37%	-90.24%	2,007.88%	-29.95%	0.10%	2.38%	5.80%	29.24%	4.43%	3.83%	2.51%
Revenue Q/Q Growth	2.52%	-1.84%	2.60%	0.99%	1.01%	2.31%	1.70%	2.57%	1.15%	2.39%	1.14%
EBITDA Q/Q Growth	6.91%	-8.15%	3.32%	-0.77%	-0.02%	3.50%	1.31%	3.72%	0.55%	4.16%	-1.84%
EBIT Q/Q Growth	8.11%	-11.30%	3.47%	-1.57%	-0.68%	5.14%	1.60%	4.44%	0.29%	5.58%	-2.89%
NOPAT Q/Q Growth	10.56%	-13.48%	5.67%	-2.56%	0.09%	5.37%	1.06%	4.74%	-0.14%	6.45%	-3.05%
Net Income Q/Q Growth	10.54%	-13.49%	5.61%	-2.45%	0.12%	5.24%	0.99%	4.97%	0.87%	6.18%	-3.15%
EPS Q/Q Growth	11.43%	-13.06%	5.62%	-2.22%	0.26%	6.19%	1.23%	5.02%	0.97%	6.12%	-2.38%
Operating Cash Flow Q/Q Growth	-8.09%	-0.17%	4.78%	4.99%	7.66%	-7.65%	1.49%	-7.00%	11.21%	17.45%	-3.11%
Free Cash Flow Firm Q/Q Growth	3.53%	340.74%	-215.93%	181.76%	12.58%	-9.65%	-2.47%	-184.57%	12.54%	46.07%	-6.15%
Invested Capital Q/Q Growth	-6.93%	-91.13%	1,546.70%	-6.33%	-8.42%	-5.33%	-4.36%	-0.82%	-2.43%	-6.35%	-5.64%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	42.89%	41.95%	41.99%	40.55%	40.58%	39.52%	41.91%	41.33%	41.35%	42.71%	43.65%
EBITDA Margin	36.27%	34.68%	34.64%	32.71%	32.55%	32.67%	33.57%	32.32%	31.11%	32.56%	33.34%
Operating Margin	26.70%	24.61%	24.31%	22.37%	22.43%	22.68%	24.43%	23.14%	22.09%	23.94%	24.96%
EBIT Margin	26.70%	24.61%	24.31%	22.37%	22.43%	22.68%	24.43%	23.14%	22.09%	23.94%	24.96%
Profit (Net Income) Margin	18.37%	16.54%	24.82%	17.51%	17.48%	17.72%	18.68%	17.65%	17.23%	19.19%	19.76%
Tax Burden Percent	69.03%	67.33%	102.49%	78.30%	77.85%	78.31%	76.85%	77.26%	76.67%	77.77%	77.02%
Interest Burden Percent	99.69%	99.78%	99.62%	99.99%	100.12%	99.75%	99.50%	98.73%	101.76%	103.05%	102.80%
Effective Tax Rate	30.97%	32.67%	-2.49%	21.70%	22.15%	21.69%	23.15%	22.74%	23.33%	22.23%	22.98%
Return on Invested Capital (ROIC)	27.40%	45.26%	36.70%	16.78%	22.18%	23.09%	25.90%	22.38%	19.62%	22.21%	23.81%
ROIC Less NNEP Spread (ROIC-NNEP)	28.34%	40.31%	36.29%	16.76%	21.95%	24.04%	22.77%	19.51%	23.15%	298.15%	-13.15%
Return on Net Nonoperating Assets (RNNOA)	-2.36%	0.82%	18.49%	2.98%	-2.26%	-1.37%	0.97%	2.15%	2.51%	0.73%	0.23%
Return on Equity (ROE)	25.04%	46.09%	55.19%	19.76%	19.92%	21.71%	26.87%	24.52%	22.13%	22.94%	24.04%
Cash Return on Invested Capital (CROIC)	24.09%	209.68%	-145.18%	52.00%	22.08%	20.73%	20.26%	-3.13%	15.29%	18.45%	21.32%
Operating Return on Assets (OROA)	19.80%	35.86%	26.11%	14.37%	16.50%	16.74%	19.81%	18.38%	17.18%	19.06%	20.52%
Return on Assets (ROA)	13.63%	24.09%	26.66%	11.25%	12.86%	13.07%	15.15%	14.02%	13.40%	15.27%	16.25%
Return on Common Equity (ROCE)	25.04%	46.09%	55.19%	19.76%	19.92%	21.71%	26.87%	24.52%	22.13%	22.94%	24.04%
Return on Equity Simple (ROE_SIMPLE)	24.98%	0.00%	27.59%	19.03%	19.14%	23.61%	26.27%	22.79%	20.72%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	250	230	366	272	296	312	365	371	375	442	489
NOPAT Margin	18.43%	16.57%	24.91%	17.51%	17.46%	17.76%	18.77%	17.87%	16.94%	18.62%	19.22%
Net Nonoperating Expense Percent (NNEP)	-0.94%	4.96%	0.41%	0.02%	0.23%	-0.95%	3.13%	2.87%	-3.53%	-275.94%	36.96%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	-	-	20.76%	23.38%
Cost of Revenue to Revenue	57.11%	58.05%	58.01%	59.45%	59.42%	60.48%	58.09%	58.67%	58.65%	57.29%	56.35%
SG&A Expenses to Revenue	11.63%	11.47%	11.67%	11.98%	11.67%	10.64%	11.24%	11.32%	12.57%	11.92%	11.76%
R&D to Revenue	6.00%	6.10%	6.14%	6.21%	6.48%	6.20%	6.25%	6.87%	6.69%	6.85%	6.93%
Operating Expenses to Revenue	16.19%	17.34%	17.69%	18.19%	18.15%	16.84%	17.48%	18.19%	19.26%	18.77%	18.69%
Earnings before Interest and Taxes (EBIT)	362	342	358	347	381	399	475	481	489	569	635
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	491	482	509	508	552	574	652	671	689	773	848
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	6.29	0.00	7.11	6.83	8.68	8.88	9.26	7.48	6.57	6.16	4.77
Price to Tangible Book Value (P/TBV)	76.98	0.00	0.00	31.38	33.79	75.21	67.84	78.93	33.08	20.47	19.28
Price to Revenue (P/Rev)	4.63	5.36	6.39	6.28	7.92	6.66	6.58	5.79	5.46	5.52	3.85
Price to Earnings (P/E)	25.19	32.41	25.77	35.89	45.32	37.61	35.25	32.82	31.70	28.79	19.47
Dividend Yield	1.33%	1.23%	1.12%	1.22%	0.95%	1.13%	1.08%	1.22%	1.29%	1.25%	1.73%
Earnings Yield	3.97%	3.09%	3.88%	2.79%	2.21%	2.66%	2.84%	3.05%	3.15%	3.47%	5.14%
Enterprise Value to Invested Capital (EV/IC)	6.69	82.27	4.92	7.24	9.90	8.60	8.88	6.57	6.25	6.42	4.72
Enterprise Value to Revenue (EV/Rev)	4.58	5.36	6.37	6.22	7.80	6.69	6.62	5.92	5.51	5.48	3.86
Enterprise Value to EBITDA (EV/EBITDA)	12.62	15.45	18.40	19.03	23.95	20.48	19.71	18.32	17.72	16.83	11.57
Enterprise Value to EBIT (EV/EBIT)	17.14	21.77	26.22	27.83	34.77	29.51	27.09	25.58	24.96	22.89	15.46
Enterprise Value to NOPAT (EV/NOPAT)	24.83	32.34	25.58	35.54	44.66	37.68	35.26	33.11	32.55	29.43	20.07
Enterprise Value to Operating Cash Flow (EV/OCF)	16.92	20.82	22.74	22.41	25.92	25.46	25.48	32.23	21.50	20.29	12.88
Enterprise Value to Free Cash Flow (EV/FCFF)	28.25	6.98	0.00	11.47	44.85	41.95	45.07	0.00	41.78	35.42	22.40
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.08	0.08	0.17	0.08	0.00	0.02
Long-Term Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.08	0.08	0.17	0.03	0.00	0.02
Financial Leverage	-0.08	0.02	0.51	0.18	-0.10	-0.06	0.04	0.11	0.11	0.00	-0.02
Leverage Ratio	1.84	1.91	2.07	1.76	1.55	1.66	1.77	1.75	1.65	1.50	1.48
Compound Leverage Factor	1.83	1.91	2.06	1.76	1.55	1.66	1.77	1.73	1.68	1.55	1.52
Debt to Total Capital	0.02%	0.00%	0.00%	0.00%	0.02%	7.06%	7.69%	14.60%	7.53%	0.00%	1.91%
Short-Term Debt to Total Capital	0.02%	0.00%	0.00%	0.00%	0.01%	0.01%	0.00%	0.00%	4.52%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.01%	7.05%	7.68%	14.60%	3.01%	0.00%	1.91%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	99.98%	0.00%	100.00%	100.00%	99.98%	92.94%	92.31%	85.40%	92.47%	100.00%	98.09%
Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.17	0.18	0.41	0.22	0.00	0.05
Net Debt to EBITDA	-0.14	0.00	0.00	0.00	-0.39	0.09	0.10	0.39	0.16	0.00	0.03
Long-Term Debt to EBITDA	0.00	0.00	0.00	0.00	0.00	0.17	0.18	0.41	0.09	0.00	0.05
Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.32	0.32	0.74	0.40	0.00	0.08
Net Debt to NOPAT	-0.28	0.00	0.00	0.00	-0.72	0.16	0.18	0.71	0.30	0.00	0.06
Long-Term Debt to NOPAT	0.00	0.00	0.00	0.00	0.00	0.32	0.32	0.74	0.16	0.00	0.08
Altman Z-Score	7.09	0.00	9.97	10.36	11.77	9.69	10.11	9.00	9.50	11.63	8.53
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	0.97	0.00	1.05	1.21	1.35	1.04	1.13	1.20	1.00	1.27	1.17
Quick Ratio	0.73	0.00	0.73	0.86	1.04	0.69	0.73	0.71	0.59	0.78	0.65
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	219	1,066	-1,449	843	295	280	285	-52	292	367	438
Operating Cash Flow to CapEx	226.58%	242.72%	301.99%	261.95%	319.74%	318.39%	275.98%	215.13%	253.15%	284.10%	348.69%
Free Cash Flow to Firm to Interest Expense	153.47	1,070.01	-443.91	910.10	428.83	245.12	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	256.24	358.76	126.23	465.58	742.05	403.96	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	143.15	210.95	84.43	287.84	509.97	277.08	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.74	1.46	1.07	0.64	0.74	0.74	0.81	0.79	0.78	0.80	0.82
Accounts Receivable Turnover	5.43	0.00	0.00	5.11	5.55	5.79	5.94	5.86	6.38	7.30	7.63
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.55	0.00	0.00	5.57	6.22	6.69	8.37	9.96	10.53	10.90	11.53
Accounts Payable Turnover	63.08	0.00	0.00	45.91	102.23	74.98	57.12	60.66	58.44	50.87	45.43
Days Sales Outstanding (DSO)	67.27	0.00	0.00	71.39	65.71	63.06	61.49	62.31	57.19	50.02	47.85
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	5.79	0.00	0.00	7.95	3.57	4.87	6.39	6.02	6.25	7.18	8.04
Cash Conversion Cycle (CCC)	61.48	0.00	0.00	63.44	62.14	58.19	55.10	56.29	50.94	42.84	39.81
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	926	90	1,906	1,335	1,337	1,368	1,448	1,871	1,954	2,029	2,080
Invested Capital Turnover	1.49	2.73	1.47	0.96	1.27	1.30	1.38	1.25	1.16	1.19	1.24
Increase / (Decrease) in Invested Capital	30	-836	1,816	-571	1.28	32	79	423	83	75	51
Enterprise Value (EV)	6,200	7,440	9,374	9,663	13,232	11,764	12,859	12,298	12,215	13,017	9,814
Market Capitalization	6,270	7,440	9,405	9,757	13,446	11,715	12,792	12,035	12,103	13,119	9,787
Book Value per Share	$12.63	$0.00	$17.11	$18.51	$20.23	$17.76	$18.96	$22.07	$25.27	$29.26	$28.88
Tangible Book Value per Share	$1.03	($1.16)	($3.47)	$4.03	$5.19	$2.10	$2.59	$2.09	$5.02	$8.80	$7.14
Total Capital	996	0.00	1,323	1,429	1,550	1,419	1,497	1,884	1,992	2,131	2,092
Total Debt	0.20	0.00	0.00	0.00	0.32	100	115	275	150	0.00	40
Total Long-Term Debt	0.00	0.00	0.00	0.00	0.21	100	115	275	60	0.00	40
Net Debt	-70	0.00	-31	-94	-213	49	66	263	112	-102	28
Capital Expenditures (CapEx)	162	147	136	165	160	145	183	177	224	226	219
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-82	0.00	-8.75	5.86	-39	-28	21	92	50	44	81
Debt-free Net Working Capital (DFNWC)	-12	0.00	23	99	174	23	70	104	88	146	93
Net Working Capital (NWC)	-12	0.00	23	99	174	23	70	104	-1.80	146	93
Net Nonoperating Expense (NNE)	0.78	0.50	1.38	0.04	-0.35	0.78	1.81	4.72	-6.61	-13	-14
Net Nonoperating Obligations (NNO)	-70	90	583	-94	-213	49	66	263	112	-102	28
Total Depreciation and Amortization (D&A)	130	140	152	161	172	176	178	191	200	205	213
Debt-free, Cash-free Net Working Capital to Revenue	-6.05%	0.00%	-0.60%	0.38%	-2.30%	-1.59%	1.08%	4.43%	2.25%	1.84%	3.18%
Debt-free Net Working Capital to Revenue	-0.86%	0.00%	1.54%	6.41%	10.27%	1.31%	3.59%	5.02%	3.98%	6.13%	3.65%
Net Working Capital to Revenue	-0.87%	0.00%	1.54%	6.41%	10.27%	1.30%	3.59%	5.02%	-0.08%	6.13%	3.65%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.00	$3.52	$3.86	$4.12	$4.95	$5.03	$5.24	$6.25	$7.00
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	0.00	77.16M	76.79M	75.55M	73.32M	72.92M	72.87M	72.87M	71.87M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.00	$3.52	$3.86	$4.12	$4.94	$5.02	$5.23	$6.24	$6.98
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	0.00	77.35M	76.93M	75.66M	73.49M	73.10M	73.03M	73.05M	72.04M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	0.00	77.00M	76.64M	74.01M	72.90M	72.94M	72.91M	72.87M	70.11M
Normalized Net Operating Profit after Tax (NOPAT)	250	230	250	272	296	312	365	371	375	442	489
Normalized NOPAT Margin	18.43%	16.57%	17.01%	17.51%	17.46%	17.76%	18.77%	17.87%	16.94%	18.62%	19.22%
Pre Tax Income Margin	26.61%	24.56%	24.22%	22.36%	22.46%	22.62%	24.31%	22.84%	22.48%	24.67%	25.66%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	252.91	343.09	109.50	375.04	553.24	348.53	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	174.57	230.99	112.22	293.65	430.70	272.94	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	139.82	195.28	67.70	197.30	321.16	221.66	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	61.49	83.18	70.42	115.92	198.62	146.07	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	33.80%	39.95%	28.77%	43.67%	42.95%	42.96%	38.32%	40.16%	40.83%	36.13%	33.89%
Augmented Payout Ratio	104.39%	96.64%	42.19%	63.85%	67.07%	181.50%	91.75%	46.98%	48.17%	43.82%	123.03%

This table displays calculated financial ratios and metrics derived from Jack Henry & Associates' official financial filings.

Metric	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026	Q4 2026
Period end date	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	72,167,368.00	71,050,780.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	72,167,368.00	71,050,780.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	1.70	1.57
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	7.99%	5.90%	4.73%	5.18%	5.16%	8.64%	9.90%	7.28%	7.93%	8.74%	4.66%
EBITDA Growth	8.61%	3.28%	2.17%	10.90%	3.49%	17.00%	17.51%	16.94%	21.49%	9.99%	-7.66%
EBIT Growth	10.79%	3.42%	1.15%	14.00%	3.39%	23.77%	23.94%	21.68%	29.39%	11.75%	-12.15%
NOPAT Growth	10.39%	2.67%	-0.60%	13.56%	3.82%	27.02%	27.55%	21.10%	27.90%	10.64%	-12.35%
Net Income Growth	13.85%	6.81%	3.38%	17.22%	6.39%	27.57%	26.25%	20.80%	27.41%	10.61%	-12.83%
EPS Growth	14.55%	6.25%	3.73%	17.27%	6.35%	27.73%	25.90%	20.86%	28.36%	12.50%	-9.71%
Operating Cash Flow Growth	51.32%	497.86%	32.81%	-25.61%	9.95%	10.54%	41.12%	3.16%	70.29%	72.49%	-7.47%
Free Cash Flow Firm Growth	47.93%	89.50%	104.48%	65.98%	47.99%	-81.79%	239.10%	111.93%	149.11%	249.32%	17.08%
Invested Capital Growth	10.93%	6.14%	4.43%	7.92%	7.54%	8.18%	3.83%	6.69%	4.52%	1.74%	2.51%
Revenue Q/Q Growth	-4.49%	-1.31%	3.96%	7.34%	-4.51%	1.96%	5.18%	4.77%	-3.94%	2.73%	1.22%
EBITDA Q/Q Growth	-7.19%	-3.96%	8.72%	14.44%	-13.39%	8.58%	9.19%	13.89%	-10.02%	-1.70%	-8.33%
EBIT Q/Q Growth	-10.35%	-5.77%	12.07%	20.42%	-18.69%	12.79%	12.22%	18.22%	-13.54%	-2.58%	-11.79%
NOPAT Q/Q Growth	-10.13%	-6.02%	13.87%	18.08%	-17.84%	14.97%	14.35%	12.11%	-13.23%	-0.54%	-9.42%
Net Income Q/Q Growth	-9.55%	-5.29%	16.04%	17.93%	-17.91%	13.56%	14.85%	12.84%	-13.42%	-1.42%	-9.49%
EPS Q/Q Growth	-9.35%	-5.56%	16.81%	17.27%	-17.79%	13.43%	15.13%	12.57%	-12.69%	-0.58%	-7.60%
Operating Cash Flow Q/Q Growth	-48.11%	19.67%	137.57%	-49.57%	-23.31%	20.30%	203.31%	-63.14%	26.60%	21.86%	62.70%
Free Cash Flow Firm Q/Q Growth	-3.48%	70.03%	147.94%	-328.81%	-58.22%	-4.75%	189.42%	-91.95%	551.55%	218.47%	-29.88%
Invested Capital Q/Q Growth	4.23%	2.56%	-2.43%	3.47%	3.86%	3.17%	-6.35%	6.32%	1.75%	0.43%	-5.64%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	41.18%	39.06%	41.55%	42.85%	42.00%	41.79%	44.12%	45.94%	43.33%	42.80%	42.52%
EBITDA Margin	30.94%	30.11%	31.49%	33.57%	30.45%	32.43%	33.67%	36.60%	34.28%	32.80%	29.71%
Operating Margin	21.80%	20.81%	22.44%	25.17%	21.43%	23.71%	25.30%	28.55%	25.70%	24.37%	21.24%
EBIT Margin	21.80%	20.81%	22.44%	25.17%	21.43%	23.71%	25.30%	28.55%	25.70%	24.37%	21.24%
Profit (Net Income) Margin	16.85%	16.17%	18.05%	19.83%	17.05%	18.99%	20.74%	22.33%	20.13%	19.32%	17.27%
Tax Burden Percent	76.50%	76.29%	77.52%	76.02%	76.81%	78.30%	79.78%	75.66%	75.93%	77.52%	79.60%
Interest Burden Percent	101.06%	101.84%	103.79%	103.65%	103.56%	102.28%	102.73%	103.40%	103.17%	102.25%	102.17%
Effective Tax Rate	23.50%	23.71%	22.48%	23.98%	23.19%	21.70%	20.22%	24.34%	24.07%	22.48%	20.40%
Return on Invested Capital (ROIC)	19.41%	17.88%	20.15%	22.06%	18.47%	20.66%	24.08%	25.01%	22.39%	21.74%	20.94%
ROIC Less NNEP Spread (ROIC-NNEP)	19.81%	18.44%	22.12%	24.76%	20.38%	22.07%	93.57%	36.75%	28.99%	24.46%	14.56%
Return on Net Nonoperating Assets (RNNOA)	2.92%	3.17%	2.40%	2.14%	1.94%	2.04%	0.23%	0.72%	0.81%	1.17%	-0.26%
Return on Equity (ROE)	22.33%	21.06%	22.55%	24.20%	20.41%	22.70%	24.30%	25.73%	23.20%	22.91%	20.68%
Cash Return on Invested Capital (CROIC)	9.75%	13.36%	15.29%	12.35%	12.10%	12.07%	18.45%	15.85%	18.53%	21.36%	21.32%
Operating Return on Assets (OROA)	17.66%	16.95%	17.45%	19.96%	17.20%	19.29%	20.14%	23.11%	21.21%	20.49%	17.46%
Return on Assets (ROA)	13.66%	13.17%	14.04%	15.73%	13.68%	15.45%	16.50%	18.08%	16.61%	16.24%	14.20%
Return on Common Equity (ROCE)	22.33%	21.06%	22.55%	24.20%	20.41%	22.70%	24.30%	25.73%	23.20%	22.91%	20.68%
Return on Equity Simple (ROE_SIMPLE)	21.63%	21.27%	0.00%	20.74%	20.51%	21.08%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	91	86	97	115	94	109	124	139	121	120	109
NOPAT Margin	16.68%	15.88%	17.39%	19.13%	16.46%	18.57%	20.18%	21.60%	19.51%	18.89%	16.90%
Net Nonoperating Expense Percent (NNEP)	-0.40%	-0.55%	-1.97%	-2.71%	-1.91%	-1.41%	-69.49%	-11.75%	-6.60%	-2.71%	6.38%
Return On Investment Capital (ROIC_SIMPLE)	4.60%	-	-	-	4.45%	4.92%	5.83%	6.35%	5.44%	5.40%	5.20%
Cost of Revenue to Revenue	58.82%	60.94%	58.45%	57.15%	58.00%	58.21%	55.88%	54.06%	56.67%	57.20%	57.48%
SG&A Expenses to Revenue	12.88%	11.56%	11.99%	11.08%	13.40%	11.34%	11.90%	11.30%	10.81%	11.34%	13.55%
R&D to Revenue	6.50%	6.68%	7.12%	6.60%	7.16%	6.74%	6.92%	6.09%	6.82%	7.09%	7.74%
Operating Expenses to Revenue	19.38%	18.24%	19.11%	17.68%	20.56%	18.08%	18.82%	17.39%	17.63%	18.43%	21.28%
Earnings before Interest and Taxes (EBIT)	119	112	126	151	123	139	156	184	159	155	137
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	169	162	176	202	175	190	207	236	212	209	191
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	6.81	7.09	6.57	6.69	6.47	6.54	6.16	4.99	6.00	5.34	4.77
Price to Tangible Book Value (P/TBV)	45.62	40.89	33.08	28.99	26.07	24.31	20.47	17.14	19.92	19.25	19.28
Price to Revenue (P/Rev)	5.44	5.76	5.46	5.73	5.63	5.74	5.52	4.49	5.36	4.53	3.85
Price to Earnings (P/E)	31.50	33.34	31.70	32.23	31.56	31.01	28.79	22.58	26.03	21.97	19.47
Dividend Yield	1.29%	1.22%	1.29%	1.23%	1.26%	1.22%	1.25%	1.54%	1.27%	1.49%	1.73%
Earnings Yield	3.17%	3.00%	3.15%	3.10%	3.17%	3.22%	3.47%	4.43%	3.84%	4.55%	5.14%
Enterprise Value to Invested Capital (EV/IC)	6.13	6.41	6.25	6.41	6.15	6.20	6.42	5.02	6.01	5.21	4.72
Enterprise Value to Revenue (EV/Rev)	5.54	5.86	5.51	5.78	5.68	5.79	5.48	4.48	5.36	4.56	3.86
Enterprise Value to EBITDA (EV/EBITDA)	17.61	18.73	17.72	18.29	18.06	18.10	16.83	13.42	15.62	13.28	11.57
Enterprise Value to EBIT (EV/EBIT)	24.74	26.31	24.96	25.53	25.22	24.95	22.89	18.02	20.70	17.55	15.46
Enterprise Value to NOPAT (EV/NOPAT)	32.07	34.18	32.55	33.34	32.91	32.35	29.43	23.23	26.78	22.75	20.07
Enterprise Value to Operating Cash Flow (EV/OCF)	27.89	25.14	21.50	24.57	24.10	24.61	20.29	16.80	18.64	14.59	12.88
Enterprise Value to Free Cash Flow (EV/FCFF)	66.15	49.42	41.78	53.90	52.68	53.43	35.42	32.71	33.17	24.58	22.40
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.15	0.14	0.08	0.07	0.08	0.08	0.00	0.01	0.01	0.04	0.02
Long-Term Debt to Equity	0.15	0.14	0.03	0.03	0.03	0.04	0.00	0.01	0.01	0.04	0.02
Financial Leverage	0.15	0.17	0.11	0.09	0.10	0.09	0.00	0.02	0.03	0.05	-0.02
Leverage Ratio	1.65	1.62	1.65	1.58	1.53	1.49	1.50	1.46	1.43	1.43	1.48
Compound Leverage Factor	1.67	1.65	1.71	1.64	1.59	1.53	1.54	1.51	1.47	1.47	1.51
Debt to Total Capital	12.88%	12.32%	7.53%	6.78%	7.06%	7.70%	0.00%	0.91%	0.90%	4.05%	1.91%
Short-Term Debt to Total Capital	0.00%	0.00%	4.52%	4.36%	4.23%	4.08%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	12.88%	12.32%	3.01%	2.42%	2.82%	3.63%	0.00%	0.91%	0.90%	4.05%	1.91%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	87.12%	87.68%	92.47%	93.22%	92.94%	92.30%	100.00%	99.09%	99.10%	95.95%	98.09%
Debt to EBITDA	0.37	0.36	0.22	0.20	0.21	0.23	0.00	0.02	0.02	0.10	0.05
Net Debt to EBITDA	0.34	0.32	0.16	0.14	0.17	0.18	0.00	-0.02	-0.01	0.08	0.03
Long-Term Debt to EBITDA	0.37	0.36	0.09	0.07	0.08	0.11	0.00	0.02	0.02	0.10	0.05
Debt to NOPAT	0.68	0.67	0.40	0.36	0.38	0.41	0.00	0.04	0.04	0.18	0.08
Net Debt to NOPAT	0.61	0.59	0.30	0.25	0.32	0.31	0.00	-0.03	-0.02	0.14	0.06
Long-Term Debt to NOPAT	0.68	0.67	0.16	0.13	0.15	0.19	0.00	0.04	0.04	0.18	0.08
Altman Z-Score	9.35	10.16	9.08	10.17	10.70	11.50	11.18	10.12	11.94	10.23	8.01
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.37	1.39	1.00	1.11	1.17	1.36	1.27	1.49	1.60	1.74	1.17
Quick Ratio	0.74	0.78	0.59	0.61	0.62	0.74	0.78	0.79	0.85	0.89	0.65
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-101	-30	15	-33	-53	-55	49	3.98	26	83	58
Operating Cash Flow to CapEx	138.80%	188.32%	353.40%	212.31%	148.89%	191.86%	602.24%	243.11%	315.40%	290.50%	535.97%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.81	0.81	0.78	0.79	0.80	0.81	0.80	0.81	0.83	0.84	0.82
Accounts Receivable Turnover	8.36	8.73	6.38	7.54	8.21	8.50	7.30	7.88	8.47	8.91	7.63
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	127.90	0.00	0.00	0.00
Fixed Asset Turnover	10.58	10.54	10.53	10.82	10.53	10.61	10.90	11.60	11.16	11.55	11.53
Accounts Payable Turnover	78.94	62.97	58.44	64.74	63.00	67.66	50.87	71.49	67.42	85.93	45.43
Days Sales Outstanding (DSO)	43.67	41.81	57.19	48.40	44.46	42.92	50.02	46.35	43.07	40.96	47.85
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.85	0.00	0.00	0.00
Days Payable Outstanding (DPO)	4.62	5.80	6.25	5.64	5.79	5.40	7.18	5.11	5.41	4.25	8.04
Cash Conversion Cycle (CCC)	39.05	36.01	50.94	42.76	38.66	37.53	42.84	44.09	37.66	36.71	39.81
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,953	2,003	1,954	2,022	2,100	2,167	2,029	2,157	2,195	2,204	2,080
Invested Capital Turnover	1.16	1.13	1.16	1.15	1.12	1.11	1.19	1.16	1.15	1.15	1.24
Increase / (Decrease) in Invested Capital	192	116	83	148	147	164	75	135	95	38	51
Enterprise Value (EV)	11,978	12,841	12,215	12,968	12,914	13,441	13,017	10,836	13,199	11,475	9,814
Market Capitalization	11,750	12,618	12,103	12,871	12,790	13,311	13,119	10,853	13,207	11,405	9,787
Book Value per Share	$23.68	$24.43	$25.27	$26.40	$27.08	$27.94	$29.26	$29.82	$30.44	$29.58	$28.88
Tangible Book Value per Share	$3.54	$4.24	$5.02	$6.09	$6.72	$7.51	$8.80	$8.69	$9.16	$8.21	$7.14
Total Capital	1,979	2,030	1,992	2,065	2,126	2,206	2,131	2,193	2,223	2,225	2,092
Total Debt	255	250	150	140	150	170	0.00	20	20	90	40
Total Long-Term Debt	255	250	60	50	60	80	0.00	20	20	90	40
Net Debt	228	223	112	97	124	130	-102	-16	-8.22	69	28
Capital Expenditures (CapEx)	59	52	66	55	60	56	54	50	48	64	56
Debt-free, Cash-free Net Working Capital (DFCFNWC)	124	120	50	111	147	208	44	179	203	233	81
Debt-free Net Working Capital (DFNWC)	150	148	88	154	172	248	146	216	231	254	93
Net Working Capital (NWC)	150	148	-1.80	64	82	158	146	216	231	254	93
Net Nonoperating Expense (NNE)	-0.96	-1.58	-3.69	-4.20	-3.36	-2.48	-3.39	-4.73	-3.83	-2.71	-2.36
Net Nonoperating Obligations (NNO)	228	223	112	97	124	130	-102	-16	-8.22	69	28
Total Depreciation and Amortization (D&A)	50	50	51	50	52	51	51	52	53	54	55
Debt-free, Cash-free Net Working Capital to Revenue	5.72%	5.49%	2.25%	4.93%	6.46%	8.96%	1.84%	7.41%	8.22%	9.27%	3.18%
Debt-free Net Working Capital to Revenue	6.95%	6.74%	3.98%	6.85%	7.58%	10.67%	6.13%	8.91%	9.37%	10.09%	3.65%
Net Working Capital to Revenue	6.95%	6.74%	-0.08%	2.84%	3.63%	6.79%	6.13%	8.91%	9.37%	10.09%	3.65%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.26	$1.20	$1.38	$1.63	$1.34	$1.53	$1.75	$1.98	$1.73	$1.71	$1.58
Adjusted Weighted Average Basic Shares Outstanding	72.84M	72.87M	72.87M	72.91M	72.92M	72.85M	72.87M	72.75M	72.27M	71.77M	71.87M
Adjusted Diluted Earnings per Share	$1.26	$1.19	$1.39	$1.63	$1.34	$1.52	$1.75	$1.97	$1.72	$1.71	$1.58
Adjusted Weighted Average Diluted Shares Outstanding	72.98M	73.03M	73.03M	73.08M	73.08M	73.01M	73.05M	72.91M	72.41M	71.98M	72.04M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	72.87M	72.90M	72.91M	72.96M	72.90M	72.82M	72.87M	72.38M	72.17M	71.05M	70.11M
Normalized Net Operating Profit after Tax (NOPAT)	91	86	97	115	94	109	124	139	121	120	109
Normalized NOPAT Margin	16.68%	15.88%	17.39%	19.13%	16.46%	18.57%	20.18%	21.60%	19.51%	18.89%	16.90%
Pre Tax Income Margin	22.03%	21.20%	23.29%	26.09%	22.20%	24.25%	25.99%	29.52%	26.51%	24.92%	21.70%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	40.62%	40.60%	40.83%	39.60%	39.57%	37.87%	36.13%	34.69%	33.20%	32.68%	33.89%
Augmented Payout Ratio	52.69%	45.89%	48.17%	41.61%	45.77%	47.91%	43.82%	54.89%	61.43%	87.46%	123.03%

Financials Breakdown Chart

Key Financial Trends

Jack Henry & Associates (NASDAQ:JKHY) continues to show long-term revenue growth, but the latest quarterly results point to weakening profitability momentum. The available data covers quarterly results from fiscal 2022 through fiscal 2026, although balance-sheet data currently extends only through fiscal Q3 2026 and several historical figures are marked as restated or calculated.

Revenue growth remains a key strength. Quarterly revenue increased from $482.7 million in fiscal Q4 2022 to $644.0 million in fiscal Q4 2026, a gain of approximately 33%. However, the pace moderated recently: fiscal Q4 2026 revenue rose only 4.7% from $615.4 million in the prior-year quarter.

Cash generation was particularly strong in fiscal 2026. Operating cash flow totaled approximately $762.0 million across the four reported fiscal 2026 quarters, compared with roughly $546.1 million in the comparable fiscal 2025 quarters. After capital expenditures, approximate operating free cash flow improved to $513.7 million from $320.3 million. Investors should note that fiscal 2026 operating cash flow benefited from a $123.4 million favorable working-capital adjustment in Q4.

Long-term revenue growth: Quarterly revenue rose from $482.7 million in Q4 2022 to $644.0 million in Q4 2026, supported by the company’s recurring technology and payments-related business.
Strong operating cash flow: Fiscal 2026 operating cash flow was approximately $762.0 million, substantially above the approximately $546.1 million generated in the comparable fiscal 2025 quarters.
Improved cash generation after capital spending: Approximate operating free cash flow increased to $513.7 million in fiscal 2026, despite capital expenditures of about $248.3 million.
Shareholder returns accelerated: Fiscal 2026 cash returned through common-stock repurchases was approximately $384.8 million, while dividends totaled about $170.8 million. The company also continued to raise its quarterly dividend per share over the period.
Lower balance-sheet leverage than earlier periods: Long-term debt was $90.0 million at the end of fiscal Q3 2026, compared with $275.0 million at the end of fiscal 2023 and $250.0 million at the end of fiscal Q3 2024.
Deferred revenue remains material: Current and noncurrent deferred revenue totaled approximately $208.7 million at the end of fiscal Q3 2026. This can support revenue visibility, although the balance has fluctuated meaningfully across quarters.
Liquidity is mixed: Current assets of $594.8 million exceeded current liabilities of $341.1 million at the end of fiscal Q3 2026, but cash and equivalents were only $20.6 million. The company therefore relies heavily on receivables, prepaid assets and operating cash flow rather than a large cash reserve.
Profitability deteriorated in the latest quarter: Fiscal Q4 2026 net income fell 12.9% year over year to $111.2 million, while operating income declined 12.2% to $136.8 million.
Margins compressed: Q4 2026 gross margin fell to approximately 42.5% from 44.1% in Q4 2025, and operating margin declined to approximately 21.2% from 25.3%.
Expenses are rising faster than revenue: Q4 2026 total operating expenses increased 18.4% year over year to $137.1 million, including a roughly 19% increase in selling, general and administrative costs and a 17% increase in research and development spending.

The most important near-term issue is the sequential decline in earnings. Net income decreased from $144.0 million in fiscal Q1 2026 to $124.7 million in Q2, $122.9 million in Q3 and $111.2 million in Q4. Earnings per share followed the same pattern, falling from $1.97 in Q1 to $1.58 in Q4.

JKHY’s balance sheet remains supported by substantial equity and relatively modest reported debt, but goodwill and intangible assets totaled approximately $1.54 billion at the end of fiscal Q3 2026—about half of total assets. That concentration increases the importance of monitoring acquisition performance and potential impairment charges. Overall, the statements show a financially resilient company with strong cash generation and shareholder distributions, but investors should watch whether expense growth and margin pressure persist.

09/12/26 10:55 AM ETAI Generated. May Contain Errors.

Jack Henry & Associates Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Jack Henry & Associates' financial year ends in June. Their financial year 2026 ended on June 30, 2026.

Jack Henry & Associates' net income appears to be on an upward trend, with a most recent value of $502.78 million in 2026, rising from $248.87 million in 2016. The previous period was $455.75 million in 2025. View Jack Henry & Associates' forecast to see where analysts expect Jack Henry & Associates to go next.

Jack Henry & Associates' total operating income in 2026 was $635.03 million, based on the following breakdown:

Total Gross Profit: $1.11 billion
Total Operating Expenses: $475.66 million

Over the last 10 years, Jack Henry & Associates' total revenue changed from $1.35 billion in 2016 to $2.54 billion in 2026, a change of 87.8%.

Jack Henry & Associates' total liabilities were at $1.09 billion at the end of 2026, a 19.8% increase from 2025, and a 33.5% increase since 2016.

In the past 10 years, Jack Henry & Associates' cash and equivalents has ranged from $0.00 in 2017 to $213.35 million in 2020, and is currently $12.06 million as of their latest financial filing in 2026.

Over the last 10 years, Jack Henry & Associates' book value per share changed from 12.63 in 2016 to 28.88 in 2026, a change of 128.7%.

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Financial statements for NASDAQ:JKHY last updated on 8/28/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Jack Henry & Associates (JKHY) Financials

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Jack Henry & Associates (JKHY) Financials

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