Jack Henry & Associates (JKHY) Financials

$135.09 -6.34 (-4.48%)

As of 12:52 PM Eastern

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2015	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
Net Income / (Loss) Attributable to Common Shareholders	211	249	230	365	272	297	311	363	367	382	456
Consolidated Net Income / (Loss)	211	249	230	365	272	297	311	363	367	382	456
Net Income / (Loss) Continuing Operations	211	249	230	365	272	297	311	363	367	382	456
Total Pre-Tax Income	316	361	341	356	347	381	398	472	475	498	586
Total Operating Income	318	362	342	358	347	381	399	475	481	489	569
Total Gross Profit	536	581	582	618	630	689	695	814	859	916	1,015
Total Revenue	1,256	1,355	1,388	1,471	1,553	1,697	1,758	1,943	2,078	2,216	2,375
Operating Revenue	1,256	1,355	1,388	1,471	1,553	1,697	1,758	1,943	2,078	2,216	2,375
Total Cost of Revenue	720	774	806	853	923	1,008	1,063	1,129	1,219	1,299	1,361
Operating Cost of Revenue	720	774	806	853	923	1,008	1,063	1,129	1,219	1,299	1,361
Total Operating Expenses	218	219	241	260	282	308	296	340	378	427	446
Selling, General & Admin Expense	64	158	159	172	186	198	187	218	235	278	283
Research & Development Expense	71	81	85	90	96	110	109	121	143	148	163
Total Other Income / (Expense), net	-1.43	-1.12	-0.75	-2.69	-0.05	0.45	-0.99	-2.35	-6.11	8.63	17
Income Tax Expense	105	112	111	-8.88	75	84	86	109	108	116	130
Basic Earnings per Share	$2.60	$3.13	$2.95	$4.73	$3.52	$3.86	$4.12	$4.95	$5.03	$5.24	$6.25
Weighted Average Basic Shares Outstanding	81.35M	79.42M	77.86M	77.25M	77.16M	76.79M	75.55M	73.32M	72.92M	72.87M	72.87M
Diluted Earnings per Share	$2.59	$3.12	$2.93	$4.70	$3.52	$3.86	$4.12	$4.94	$5.02	$5.23	$6.24
Weighted Average Diluted Shares Outstanding	81.60M	79.73M	78.26M	77.59M	77.35M	76.93M	75.66M	73.49M	73.10M	73.03M	73.05M
Weighted Average Basic & Diluted Shares Outstanding	81.20M	79.50M	77.80M	77.18M	77.00M	76.64M	74.01M	72.90M	72.94M	72.91M	72.87M
Cash Dividends to Common per Share	$0.94	$1.06	$1.18	$1.36	$1.54	$1.66	$1.78	$1.90	$2.02	$2.14	$2.26

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	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	9/30/2023	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
Net Income / (Loss) Attributable to Common Shareholders	102	92	87	101	119	98	111	128	144	125	123
Consolidated Net Income / (Loss)	102	92	87	101	119	98	111	128	144	125	123
Net Income / (Loss) Continuing Operations	102	92	87	101	119	98	111	128	144	125	123
Total Pre-Tax Income	133	120	114	130	157	127	142	160	190	164	159
Total Operating Income	133	119	112	126	151	123	139	156	184	159	155
Total Gross Profit	248	225	210	233	258	241	245	271	296	268	272
Total Revenue	571	546	539	560	601	574	585	615	645	619	636
Operating Revenue	571	546	539	560	601	574	585	615	645	619	636
Total Cost of Revenue	323	321	328	327	343	333	341	344	349	351	364
Operating Cost of Revenue	323	321	328	327	343	333	341	344	349	351	364
Total Operating Expenses	116	106	98	107	106	118	106	116	112	109	117
Selling, General & Admin Expense	79	70	62	67	67	77	66	73	73	67	72
Research & Development Expense	37	35	36	40	40	41	39	43	39	42	45
Total Other Income / (Expense), net	0.55	1.26	2.07	4.76	5.52	4.38	3.17	4.25	6.25	5.05	3.49
Income Tax Expense	32	28	27	29	38	30	31	32	46	40	36
Basic Earnings per Share	$1.40	$1.26	$1.20	$1.38	$1.63	$1.34	$1.53	$1.75	$1.98	$1.73	$1.71
Weighted Average Basic Shares Outstanding	72.87M	72.84M	72.87M	72.87M	72.91M	72.92M	72.85M	72.87M	72.75M	72.27M	71.77M
Diluted Earnings per Share	$1.39	$1.26	$1.19	$1.39	$1.63	$1.34	$1.52	$1.75	$1.97	$1.72	$1.71
Weighted Average Diluted Shares Outstanding	73.01M	72.98M	73.03M	73.03M	73.08M	73.08M	73.01M	73.05M	72.91M	72.41M	71.98M
Weighted Average Basic & Diluted Shares Outstanding	72.83M	72.87M	72.90M	72.91M	72.96M	72.90M	72.82M	72.87M	72.38M	72.17M	71.05M
Cash Dividends to Common per Share	$0.52	$0.52	$0.55	-	$0.55	$0.55	$0.58	-	$0.58	$0.58	$0.61

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2015	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
Net Change in Cash & Equivalents	78	-78	44	-83	62	120	-162	-2.21	-37	26	64
Net Cash From Operating Activities	374	366	357	412	431	511	462	505	382	568	642
Net Cash From Continuing Operating Activities	374	366	357	412	431	511	462	505	382	568	642
Net Income / (Loss) Continuing Operations	211	249	230	365	272	297	311	363	367	382	456
Consolidated Net Income / (Loss)	211	249	230	365	272	297	311	363	367	382	456
Depreciation Expense	54	51	50	48	47	52	53	51	49	46	44
Amortization Expense	65	79	90	104	113	120	123	127	142	154	161
Non-Cash Adjustments To Reconcile Net Income	0.72	-6.17	16	11	13	46	19	25	24	33	30
Changes in Operating Assets and Liabilities, net	43	-5.93	-28	-116	-14	-4.14	-44	-61	-200	-46	-49
Net Cash From Investing Activities	-137	-136	-142	-292	-191	-198	-162	-196	-410	-240	-232
Net Cash From Continuing Investing Activities	-137	-136	-142	-292	-191	-198	-162	-196	-410	-240	-232
Purchase of Property, Plant & Equipment	-145	-165	-148	-137	-165	-171	-151	-183	-205	-225	-226
Acquisitions	0.00	-8.28	0.00	-151	-26	-37	-8.81	-8.49	-231	-7.13	-5.36
Purchase of Investments	-	0.00	0.00	-5.00	0.00	-1.15	-13	-5.00	-1.00	-8.65	-2.00
Sale of Property, Plant & Equipment	0.18	2.84	0.97	0.31	0.13	11	6.19	0.05	28	0.90	0.00
Sale and/or Maturity of Investments	-	-	-	-	0.00	0.00	5.00	-	0.00	0.00	1.00
Net Cash From Financing Activities	-159	-308	-171	-204	-178	-193	-462	-310	-8.43	-302	-346
Net Cash From Continuing Financing Activities	-159	-308	-171	-204	-178	-193	-462	-310	-8.43	-302	-346
Repayment of Debt	-47	-153	-30	-175	-35	-55	-100	-317	-650	-600	-500
Repurchase of Common Equity	-123	-176	-130	-49	-55	-72	-432	-194	-25	-28	-35
Payment of Dividends	-76	-84	-92	-105	-119	-127	-134	-139	-147	-156	-165
Issuance of Debt	90	100	80	125	35	55	200	332	810	475	350
Issuance of Common Equity	4.88	5.71	6.25	7.52	9.04	9.83	11	12	12	12	12
Other Financing Activities, net	-7.31	-1.89	-5.48	-7.16	-14	-3.74	-7.72	-4.15	-8.50	-5.38	-7.72

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	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	9/30/2023	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
Net Change in Cash & Equivalents	19	-4.76	0.55	11	4.93	-18	14	62	-66	-8.02	-7.64
Net Cash From Operating Activities	157	82	98	232	117	90	108	327	121	153	186
Net Cash From Continuing Operating Activities	157	82	98	232	117	90	108	327	121	153	186
Net Income / (Loss) Continuing Operations	102	92	87	101	119	98	111	128	144	125	123
Consolidated Net Income / (Loss)	102	92	87	101	119	98	111	128	144	125	123
Depreciation Expense	12	12	11	11	11	11	10	11	10	10	10
Amortization Expense	37	38	39	39	39	40	41	41	41	43	43
Non-Cash Adjustments To Reconcile Net Income	7.04	8.66	6.98	10	6.68	8.86	6.88	7.95	2.51	6.91	12
Changes in Operating Assets and Liabilities, net	-0.81	-69	-47	70	-59	-69	-61	140	-78	-32	-2.61
Net Cash From Investing Activities	-51	-60	-54	-76	-59	-61	-57	-56	-99	-57	-64
Net Cash From Continuing Investing Activities	-51	-60	-54	-76	-59	-61	-57	-56	-99	-57	-64
Purchase of Property, Plant & Equipment	-49	-59	-52	-66	-55	-60	-56	-54	-57	-65	-64
Acquisitions	-2.28	-0.69	-1.59	-2.57	-2.68	-0.85	-0.31	-1.53	-44	-1.40	-0.09
Purchase of Investments	0.00	-1.00	-0.15	-7.50	-2.00	-	-	-	-6.00	-7.50	-0.21
Net Cash From Financing Activities	-87	-26	-43	-145	-53	-46	-37	-209	-88	-103	-129
Net Cash From Continuing Financing Activities	-87	-26	-43	-145	-53	-46	-37	-209	-88	-103	-129
Repayment of Debt	-165	-75	-120	-240	-85	-80	-70	-265	0.00	-105	-165
Repurchase of Common Equity	-20	-	-	-8.06	0.00	-17	-18	0.00	-62	-63	-159
Payment of Dividends	-38	-38	-40	-40	-40	-40	-42	-42	-42	-42	-43
Issuance of Debt	135	85	115	140	75	90	90	95	20	105	235
Issuance of Common Equity	3.42	2.62	3.37	3.07	3.04	2.17	3.48	3.06	3.09	1.92	3.46
Other Financing Activities, net	-2.94	-0.62	-1.78	-0.04	-6.17	-1.17	-0.32	-0.07	-6.71	-0.28	-0.14

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2015	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
Total Assets	1,837	1,816	90	2,648	2,185	2,428	2,336	2,456	2,774	2,924	3,044
Total Current Assets	493	432	0.00	471	569	669	544	614	628	632	681
Cash & Equivalents	148	70	-	31	94	213	51	49	12	38	102
Accounts Receivable	245	254	-	297	310	301	307	348	361	333	318
Inventories, net	-	-	-	-	-	-	0.00	20	-	0.00	5.61
Prepaid Expenses	69	57	-	96	106	96	110	126	169	169	180
Current Deferred & Refundable Income Taxes	2.75	16	-	22	18	21	30	14	7.52	6.15	0.00
Other Current Assets	28	35	-	24	41	38	46	57	78	86	76
Plant, Property, & Equipment, net	296	299	0.00	286	272	273	252	212	206	215	221
Total Noncurrent Assets	1,047	1,085	90	1,892	1,343	1,486	1,540	1,630	1,940	2,077	2,142
Goodwill	550	553	-	650	667	686	687	687	805	805	805
Intangible Assets	348	362	90	941	451	465	476	506	651	672	685
Other Noncurrent Operating Assets	149	170	-	300	225	334	376	437	484	601	651
Total Liabilities & Shareholders' Equity	1,837	1,816	0.00	2,033	2,185	2,428	2,336	2,456	2,774	2,924	3,044
Total Liabilities	845	819	0.00	710	756	879	1,017	1,074	1,165	1,082	913
Total Current Liabilities	444	444	0.00	448	470	495	521	544	524	634	536
Accounts Payable	9.93	15	-	30	9.85	9.88	18	21	19	25	28
Accrued Expenses	79	85	-	89	120	167	183	192	173	201	207
Current Deferred Revenue	340	344	-	329	340	318	320	331	332	318	290
Current Deferred & Payable Income Tax Liabilities	13	0.00	-	-	-	-	-	-	-	0.00	9.68
Total Noncurrent Liabilities	402	376	0.00	262	286	384	496	530	642	448	377
Long-Term Debt	50	0.00	-	-	0.00	0.21	100	115	275	60	0.00
Noncurrent Deferred Revenue	192	178	-	41	55	71	76	71	68	71	73
Noncurrent Deferred & Payable Income Tax Liabilities	150	189	-	208	217	244	261	293	244	244	240
Other Noncurrent Operating Liabilities	8.92	9.44	-	13	14	68	59	51	54	74	64
Total Equity & Noncontrolling Interests	992	996	0.00	1,323	1,429	1,550	1,319	1,382	1,609	1,842	2,131
Total Preferred & Common Equity	992	996	0.00	1,323	1,429	1,550	1,319	1,382	1,609	1,842	2,131
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	992	996	0.00	1,323	1,429	1,550	1,319	1,382	1,609	1,842	2,131
Common Stock	426	441	-	465	473	496	520	552	585	621	653
Retained Earnings	1,266	1,431	-	1,913	2,066	2,235	2,412	2,636	2,856	3,082	3,373
Treasury Stock	-700	-876	-	-1,055	-1,110	-1,182	-1,613	-1,807	-1,832	-1,860	-1,895

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2015	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
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	7.08%	7.84%	2.48%	5.94%	5.57%	9.30%	3.60%	10.50%	6.94%	6.63%	7.21%
EBITDA Growth	10.30%	12.46%	-2.00%	5.81%	-0.31%	8.76%	3.99%	13.54%	2.94%	2.66%	12.21%
EBIT Growth	10.26%	13.78%	-5.51%	4.62%	-2.86%	9.60%	4.75%	19.04%	1.28%	1.81%	16.21%
NOPAT Growth	13.35%	17.66%	-7.84%	59.27%	-25.79%	8.97%	5.38%	16.81%	1.82%	1.03%	17.88%
Net Income Growth	13.12%	17.82%	-7.76%	59.01%	-25.52%	9.12%	4.99%	16.52%	1.03%	4.14%	19.36%
EPS Growth	18.26%	20.46%	-6.09%	60.41%	-25.11%	9.66%	6.74%	19.90%	1.62%	4.18%	19.31%
Operating Cash Flow Growth	9.40%	-1.97%	-2.48%	15.34%	4.61%	18.42%	-9.48%	9.20%	-24.39%	48.87%	12.93%
Free Cash Flow Firm Growth	20.71%	-1.32%	385.62%	-236.00%	158.15%	-64.99%	-4.95%	1.74%	-118.22%	662.35%	25.68%
Invested Capital Growth	-1.13%	3.37%	-90.24%	2,007.88%	-29.95%	0.10%	2.38%	5.80%	29.24%	4.43%	3.83%
Revenue Q/Q Growth	2.99%	2.52%	-1.84%	2.60%	0.99%	1.01%	2.31%	1.70%	2.57%	1.15%	2.39%
EBITDA Q/Q Growth	4.51%	6.91%	-8.15%	3.32%	-0.77%	-0.02%	3.50%	1.31%	3.72%	0.55%	4.16%
EBIT Q/Q Growth	5.72%	8.11%	-11.30%	3.47%	-1.57%	-0.68%	5.14%	1.60%	4.44%	0.29%	5.58%
NOPAT Q/Q Growth	7.39%	10.56%	-13.48%	5.67%	-2.56%	0.09%	5.37%	1.06%	4.74%	-0.14%	6.45%
Net Income Q/Q Growth	7.41%	10.54%	-13.49%	5.61%	-2.45%	0.12%	5.24%	0.99%	4.97%	0.87%	6.18%
EPS Q/Q Growth	7.92%	11.43%	-13.06%	5.62%	-2.22%	0.26%	6.19%	1.23%	5.02%	0.97%	6.12%
Operating Cash Flow Q/Q Growth	3.06%	-8.09%	-0.17%	4.78%	4.99%	7.66%	-7.65%	1.49%	-7.00%	11.21%	17.45%
Free Cash Flow Firm Q/Q Growth	-24.37%	3.53%	340.74%	-215.93%	181.76%	12.58%	-9.65%	-2.47%	-184.57%	12.54%	46.07%
Invested Capital Q/Q Growth	-8.70%	-6.93%	-91.13%	1,546.70%	-6.33%	-8.42%	-5.33%	-4.36%	-0.82%	-2.43%	-6.35%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	42.66%	42.89%	41.95%	41.99%	40.55%	40.58%	39.52%	41.91%	41.33%	41.35%	42.71%
EBITDA Margin	34.78%	36.27%	34.68%	34.64%	32.71%	32.55%	32.67%	33.57%	32.32%	31.11%	32.56%
Operating Margin	25.30%	26.70%	24.61%	24.31%	22.37%	22.43%	22.68%	24.43%	23.14%	22.09%	23.94%
EBIT Margin	25.30%	26.70%	24.61%	24.31%	22.37%	22.43%	22.68%	24.43%	23.14%	22.09%	23.94%
Profit (Net Income) Margin	16.81%	18.37%	16.54%	24.82%	17.51%	17.48%	17.72%	18.68%	17.65%	17.23%	19.19%
Tax Burden Percent	66.75%	69.03%	67.33%	102.49%	78.30%	77.85%	78.31%	76.85%	77.26%	76.67%	77.77%
Interest Burden Percent	99.55%	99.69%	99.78%	99.62%	99.99%	100.12%	99.75%	99.50%	98.73%	101.76%	103.05%
Effective Tax Rate	33.25%	30.97%	32.67%	-2.49%	21.70%	22.15%	21.69%	23.15%	22.74%	23.33%	22.23%
Return on Invested Capital (ROIC)	23.55%	27.40%	45.26%	36.70%	16.78%	22.18%	23.09%	25.90%	22.38%	19.62%	22.21%
ROIC Less NNEP Spread (ROIC-NNEP)	24.76%	28.34%	40.31%	36.29%	16.76%	21.95%	24.04%	22.77%	19.51%	23.15%	298.15%
Return on Net Nonoperating Assets (RNNOA)	-1.98%	-2.36%	0.82%	18.49%	2.98%	-2.26%	-1.37%	0.97%	2.15%	2.51%	0.73%
Return on Equity (ROE)	21.57%	25.04%	46.09%	55.19%	19.76%	19.92%	21.71%	26.87%	24.52%	22.13%	22.94%
Cash Return on Invested Capital (CROIC)	24.68%	24.09%	209.68%	-145.18%	52.00%	22.08%	20.73%	20.26%	-3.13%	15.29%	18.45%
Operating Return on Assets (OROA)	18.07%	19.80%	35.86%	26.11%	14.37%	16.50%	16.74%	19.81%	18.38%	17.18%	19.06%
Return on Assets (ROA)	12.01%	13.63%	24.09%	26.66%	11.25%	12.86%	13.07%	15.15%	14.02%	13.40%	15.27%
Return on Common Equity (ROCE)	21.57%	25.04%	46.09%	55.19%	19.76%	19.92%	21.71%	26.87%	24.52%	22.13%	22.94%
Return on Equity Simple (ROE_SIMPLE)	21.30%	24.98%	0.00%	27.59%	19.03%	19.14%	23.61%	26.27%	22.79%	20.72%	0.00%
Net Operating Profit after Tax (NOPAT)	212	250	230	366	272	296	312	365	371	375	442
NOPAT Margin	16.89%	18.43%	16.57%	24.91%	17.51%	17.46%	17.76%	18.77%	17.87%	16.94%	18.62%
Net Nonoperating Expense Percent (NNEP)	-1.21%	-0.94%	4.96%	0.41%	0.02%	0.23%	-0.95%	3.13%	2.87%	-3.53%	-275.94%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	-	-	-	20.76%
Cost of Revenue to Revenue	57.34%	57.11%	58.05%	58.01%	59.45%	59.42%	60.48%	58.09%	58.67%	58.65%	57.29%
SG&A Expenses to Revenue	5.12%	11.63%	11.47%	11.67%	11.98%	11.67%	10.64%	11.24%	11.32%	12.57%	11.92%
R&D to Revenue	5.69%	6.00%	6.10%	6.14%	6.21%	6.48%	6.20%	6.25%	6.87%	6.69%	6.85%
Operating Expenses to Revenue	17.35%	16.19%	17.34%	17.69%	18.19%	18.15%	16.84%	17.48%	18.19%	19.26%	18.77%
Earnings before Interest and Taxes (EBIT)	318	362	342	358	347	381	399	475	481	489	569
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	437	491	482	509	508	552	574	652	671	689	773
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	4.75	6.29	0.00	7.11	6.83	8.68	8.88	9.26	7.48	6.57	6.16
Price to Tangible Book Value (P/TBV)	50.41	76.98	0.00	0.00	31.38	33.79	75.21	67.84	78.93	33.08	20.47
Price to Revenue (P/Rev)	3.75	4.63	5.36	6.39	6.28	7.92	6.66	6.58	5.79	5.46	5.52
Price to Earnings (P/E)	22.29	25.19	32.41	25.77	35.89	45.32	37.61	35.25	32.82	31.70	28.79
Dividend Yield	1.62%	1.33%	1.23%	1.12%	1.22%	0.95%	1.13%	1.08%	1.22%	1.29%	1.25%
Earnings Yield	4.49%	3.97%	3.09%	3.88%	2.79%	2.21%	2.66%	2.84%	3.05%	3.15%	3.47%
Enterprise Value to Invested Capital (EV/IC)	5.15	6.69	82.27	4.92	7.24	9.90	8.60	8.88	6.57	6.25	6.42
Enterprise Value to Revenue (EV/Rev)	3.67	4.58	5.36	6.37	6.22	7.80	6.69	6.62	5.92	5.51	5.48
Enterprise Value to EBITDA (EV/EBITDA)	10.56	12.62	15.45	18.40	19.03	23.95	20.48	19.71	18.32	17.72	16.83
Enterprise Value to EBIT (EV/EBIT)	14.51	17.14	21.77	26.22	27.83	34.77	29.51	27.09	25.58	24.96	22.89
Enterprise Value to NOPAT (EV/NOPAT)	21.74	24.83	32.34	25.58	35.54	44.66	37.68	35.26	33.11	32.55	29.43
Enterprise Value to Operating Cash Flow (EV/OCF)	12.34	16.92	20.82	22.74	22.41	25.92	25.46	25.48	32.23	21.50	20.29
Enterprise Value to Free Cash Flow (EV/FCFF)	20.74	28.25	6.98	0.00	11.47	44.85	41.95	45.07	0.00	41.78	35.42
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.05	0.00	0.00	0.00	0.00	0.00	0.08	0.08	0.17	0.08	0.00
Long-Term Debt to Equity	0.05	0.00	0.00	0.00	0.00	0.00	0.08	0.08	0.17	0.03	0.00
Financial Leverage	-0.08	-0.08	0.02	0.51	0.18	-0.10	-0.06	0.04	0.11	0.11	0.00
Leverage Ratio	1.80	1.84	1.91	2.07	1.76	1.55	1.66	1.77	1.75	1.65	1.50
Compound Leverage Factor	1.79	1.83	1.91	2.06	1.76	1.55	1.66	1.77	1.73	1.68	1.55
Debt to Total Capital	5.05%	0.02%	0.00%	0.00%	0.00%	0.02%	7.06%	7.69%	14.60%	7.53%	0.00%
Short-Term Debt to Total Capital	0.25%	0.02%	0.00%	0.00%	0.00%	0.01%	0.01%	0.00%	0.00%	4.52%	0.00%
Long-Term Debt to Total Capital	4.80%	0.00%	0.00%	0.00%	0.00%	0.01%	7.05%	7.68%	14.60%	3.01%	0.00%
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	94.95%	99.98%	0.00%	100.00%	100.00%	99.98%	92.94%	92.31%	85.40%	92.47%	100.00%
Debt to EBITDA	0.12	0.00	0.00	0.00	0.00	0.00	0.17	0.18	0.41	0.22	0.00
Net Debt to EBITDA	-0.22	-0.14	0.00	0.00	0.00	-0.39	0.09	0.10	0.39	0.16	0.00
Long-Term Debt to EBITDA	0.11	0.00	0.00	0.00	0.00	0.00	0.17	0.18	0.41	0.09	0.00
Debt to NOPAT	0.25	0.00	0.00	0.00	0.00	0.00	0.32	0.32	0.74	0.40	0.00
Net Debt to NOPAT	-0.45	-0.28	0.00	0.00	0.00	-0.72	0.16	0.18	0.71	0.30	0.00
Long-Term Debt to NOPAT	0.24	0.00	0.00	0.00	0.00	0.00	0.32	0.32	0.74	0.16	0.00
Altman Z-Score	5.59	7.09	0.00	9.97	10.36	11.77	9.69	10.11	9.00	9.50	11.63
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	1.11	0.97	0.00	1.05	1.21	1.35	1.04	1.13	1.20	1.00	1.27
Quick Ratio	0.89	0.73	0.00	0.73	0.86	1.04	0.69	0.73	0.71	0.59	0.78
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	222	219	1,066	-1,449	843	295	280	285	-52	292	367
Operating Cash Flow to CapEx	257.57%	226.58%	242.72%	301.99%	261.95%	319.74%	318.39%	275.98%	215.13%	253.15%	284.10%
Free Cash Flow to Firm to Interest Expense	139.52	153.47	1,070.01	-443.91	910.10	428.83	245.12	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	234.50	256.24	358.76	126.23	465.58	742.05	403.96	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	143.46	143.15	210.95	84.43	287.84	509.97	277.08	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.71	0.74	1.46	1.07	0.64	0.74	0.74	0.81	0.79	0.78	0.80
Accounts Receivable Turnover	5.35	5.43	0.00	0.00	5.11	5.55	5.79	5.94	5.86	6.38	7.30
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	4.27	4.55	0.00	0.00	5.57	6.22	6.69	8.37	9.96	10.53	10.90
Accounts Payable Turnover	70.45	63.08	0.00	0.00	45.91	102.23	74.98	57.12	60.66	58.44	50.87
Days Sales Outstanding (DSO)	68.20	67.27	0.00	0.00	71.39	65.71	63.06	61.49	62.31	57.19	50.02
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)	5.18	5.79	0.00	0.00	7.95	3.57	4.87	6.39	6.02	6.25	7.18
Cash Conversion Cycle (CCC)	63.02	61.48	0.00	0.00	63.44	62.14	58.19	55.10	56.29	50.94	42.84
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	896	926	90	1,906	1,335	1,337	1,368	1,448	1,871	1,954	2,029
Invested Capital Turnover	1.39	1.49	2.73	1.47	0.96	1.27	1.30	1.38	1.25	1.16	1.19
Increase / (Decrease) in Invested Capital	-10	30	-836	1,816	-571	1.28	32	79	423	83	75
Enterprise Value (EV)	4,612	6,200	7,440	9,374	9,663	13,232	11,764	12,859	12,298	12,215	13,017
Market Capitalization	4,707	6,270	7,440	9,405	9,757	13,446	11,715	12,792	12,035	12,103	13,119
Book Value per Share	$12.24	$12.63	$0.00	$17.11	$18.51	$20.23	$17.76	$18.96	$22.07	$25.27	$29.26
Tangible Book Value per Share	$1.15	$1.03	($1.16)	($3.47)	$4.03	$5.19	$2.10	$2.59	$2.09	$5.02	$8.80
Total Capital	1,044	996	0.00	1,323	1,429	1,550	1,419	1,497	1,884	1,992	2,131
Total Debt	53	0.20	0.00	0.00	0.00	0.32	100	115	275	150	0.00
Total Long-Term Debt	50	0.00	0.00	0.00	0.00	0.21	100	115	275	60	0.00
Net Debt	-96	-70	0.00	-31	-94	-213	49	66	263	112	-102
Capital Expenditures (CapEx)	145	162	147	136	165	160	145	183	177	224	226
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-96	-82	0.00	-8.75	5.86	-39	-28	21	92	50	44
Debt-free Net Working Capital (DFNWC)	52	-12	0.00	23	99	174	23	70	104	88	146
Net Working Capital (NWC)	50	-12	0.00	23	99	174	23	70	104	-1.80	146
Net Nonoperating Expense (NNE)	0.95	0.78	0.50	1.38	0.04	-0.35	0.78	1.81	4.72	-6.61	-13
Net Nonoperating Obligations (NNO)	-96	-70	90	583	-94	-213	49	66	263	112	-102
Total Depreciation and Amortization (D&A)	119	130	140	152	161	172	176	178	191	200	205
Debt-free, Cash-free Net Working Capital to Revenue	-7.63%	-6.05%	0.00%	-0.60%	0.38%	-2.30%	-1.59%	1.08%	4.43%	2.25%	1.84%
Debt-free Net Working Capital to Revenue	4.18%	-0.86%	0.00%	1.54%	6.41%	10.27%	1.31%	3.59%	5.02%	3.98%	6.13%
Net Working Capital to Revenue	3.97%	-0.87%	0.00%	1.54%	6.41%	10.27%	1.30%	3.59%	5.02%	-0.08%	6.13%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.00	$0.00	$3.52	$3.86	$4.12	$4.95	$5.03	$5.24	$6.25
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	0.00	0.00	77.16M	76.79M	75.55M	73.32M	72.92M	72.87M	72.87M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$3.52	$3.86	$4.12	$4.94	$5.02	$5.23	$6.24
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	0.00	0.00	77.35M	76.93M	75.66M	73.49M	73.10M	73.03M	73.05M
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	0.00	77.00M	76.64M	74.01M	72.90M	72.94M	72.91M	72.87M
Normalized Net Operating Profit after Tax (NOPAT)	212	250	230	250	272	296	312	365	371	375	442
Normalized NOPAT Margin	16.89%	18.43%	16.57%	17.01%	17.51%	17.46%	17.76%	18.77%	17.87%	16.94%	18.62%
Pre Tax Income Margin	25.19%	26.61%	24.56%	24.22%	22.36%	22.46%	22.62%	24.31%	22.84%	22.48%	24.67%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	199.41	252.91	343.09	109.50	375.04	553.24	348.53	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	133.11	174.57	230.99	112.22	293.65	430.70	272.94	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	108.37	139.82	195.28	67.70	197.30	321.16	221.66	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	42.07	61.49	83.18	70.42	115.92	198.62	146.07	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	36.18%	33.80%	39.95%	28.77%	43.67%	42.95%	42.96%	38.32%	40.16%	40.83%	36.13%
Augmented Payout Ratio	94.26%	104.39%	96.64%	42.19%	63.85%	67.07%	181.50%	91.75%	46.98%	48.17%	43.82%

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

Metric	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	9/30/2023	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
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	72,167,368.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	72,167,368.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	1.70
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	7.97%	7.99%	5.90%	4.73%	5.18%	5.16%	8.64%	9.90%	7.28%	7.93%	8.74%
EBITDA Growth	-2.36%	8.61%	3.28%	2.17%	10.90%	3.49%	17.00%	17.51%	16.94%	21.49%	9.99%
EBIT Growth	-5.70%	10.79%	3.42%	1.15%	14.00%	3.39%	23.77%	23.94%	21.68%	29.39%	11.75%
NOPAT Growth	-5.92%	10.39%	2.67%	-0.60%	13.56%	3.82%	27.02%	27.55%	21.10%	27.90%	10.64%
Net Income Growth	-4.57%	13.85%	6.81%	3.38%	17.22%	6.39%	27.57%	26.25%	20.80%	27.41%	10.61%
EPS Growth	-4.79%	14.55%	6.25%	3.73%	17.27%	6.35%	27.73%	25.90%	20.86%	28.36%	12.50%
Operating Cash Flow Growth	14.84%	51.32%	497.86%	32.81%	-25.61%	9.95%	10.54%	41.12%	3.16%	70.29%	72.49%
Free Cash Flow Firm Growth	34.66%	47.93%	89.50%	104.48%	65.98%	47.99%	-81.79%	239.10%	111.93%	149.11%	249.32%
Invested Capital Growth	11.90%	10.93%	6.14%	4.43%	7.92%	7.54%	8.18%	3.83%	6.69%	4.52%	1.74%
Revenue Q/Q Growth	6.87%	-4.49%	-1.31%	3.96%	7.34%	-4.51%	1.96%	5.18%	4.77%	-3.94%	2.73%
EBITDA Q/Q Growth	5.42%	-7.19%	-3.96%	8.72%	14.44%	-13.39%	8.58%	9.19%	13.89%	-10.02%	-1.70%
EBIT Q/Q Growth	6.84%	-10.35%	-5.77%	12.07%	20.42%	-18.69%	12.79%	12.22%	18.22%	-13.54%	-2.58%
NOPAT Q/Q Growth	3.36%	-10.13%	-6.02%	13.87%	18.08%	-17.84%	14.97%	14.35%	12.11%	-13.23%	-0.54%
Net Income Q/Q Growth	4.00%	-9.55%	-5.29%	16.04%	17.93%	-17.91%	13.56%	14.85%	12.84%	-13.42%	-1.42%
EPS Q/Q Growth	3.73%	-9.35%	-5.56%	16.81%	17.27%	-17.79%	13.43%	15.13%	12.57%	-12.69%	-0.58%
Operating Cash Flow Q/Q Growth	-9.96%	-48.11%	19.67%	137.57%	-49.57%	-23.31%	20.30%	203.31%	-63.14%	26.60%	21.86%
Free Cash Flow Firm Q/Q Growth	69.88%	-3.48%	70.03%	147.94%	-328.81%	-58.22%	-4.75%	189.42%	-91.95%	551.55%	218.47%
Invested Capital Q/Q Growth	0.12%	4.23%	2.56%	-2.43%	3.47%	3.86%	3.17%	-6.35%	6.32%	1.75%	0.43%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	43.47%	41.18%	39.06%	41.55%	42.85%	42.00%	41.79%	44.12%	45.94%	43.33%	42.80%
EBITDA Margin	31.84%	30.94%	30.11%	31.49%	33.57%	30.45%	32.43%	33.67%	36.60%	34.28%	32.80%
Operating Margin	23.23%	21.80%	20.81%	22.44%	25.17%	21.43%	23.71%	25.30%	28.55%	25.70%	24.37%
EBIT Margin	23.23%	21.80%	20.81%	22.44%	25.17%	21.43%	23.71%	25.30%	28.55%	25.70%	24.37%
Profit (Net Income) Margin	17.80%	16.85%	16.17%	18.05%	19.83%	17.05%	18.99%	20.74%	22.33%	20.13%	19.32%
Tax Burden Percent	76.31%	76.50%	76.29%	77.52%	76.02%	76.81%	78.30%	79.78%	75.66%	75.93%	77.52%
Interest Burden Percent	100.41%	101.06%	101.84%	103.79%	103.65%	103.56%	102.28%	102.73%	103.40%	103.17%	102.25%
Effective Tax Rate	23.69%	23.50%	23.71%	22.48%	23.98%	23.19%	21.70%	20.22%	24.34%	24.07%	22.48%
Return on Invested Capital (ROIC)	21.18%	19.41%	17.88%	20.15%	22.06%	18.47%	20.66%	24.08%	25.01%	22.39%	21.74%
ROIC Less NNEP Spread (ROIC-NNEP)	21.38%	19.81%	18.44%	22.12%	24.76%	20.38%	22.07%	93.57%	36.75%	28.99%	24.46%
Return on Net Nonoperating Assets (RNNOA)	2.92%	2.92%	3.17%	2.40%	2.14%	1.94%	2.04%	0.23%	0.72%	0.81%	1.17%
Return on Equity (ROE)	24.10%	22.33%	21.06%	22.55%	24.20%	20.41%	22.70%	24.30%	25.73%	23.20%	22.91%
Cash Return on Invested Capital (CROIC)	9.34%	9.75%	13.36%	15.29%	12.35%	12.10%	12.07%	18.45%	15.85%	18.53%	21.36%
Operating Return on Assets (OROA)	18.53%	17.66%	16.95%	17.45%	19.96%	17.20%	19.29%	20.14%	23.11%	21.21%	20.49%
Return on Assets (ROA)	14.20%	13.66%	13.17%	14.04%	15.73%	13.68%	15.45%	16.50%	18.08%	16.61%	16.24%
Return on Common Equity (ROCE)	24.10%	22.33%	21.06%	22.55%	24.20%	20.41%	22.70%	24.30%	25.73%	23.20%	22.91%
Return on Equity Simple (ROE_SIMPLE)	21.79%	21.63%	21.27%	0.00%	20.74%	20.51%	21.08%	0.00%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	101	91	86	97	115	94	109	124	139	121	120
NOPAT Margin	17.72%	16.68%	15.88%	17.39%	19.13%	16.46%	18.57%	20.18%	21.60%	19.51%	18.89%
Net Nonoperating Expense Percent (NNEP)	-0.20%	-0.40%	-0.55%	-1.97%	-2.71%	-1.91%	-1.41%	-69.49%	-11.75%	-6.60%	-2.71%
Return On Investment Capital (ROIC_SIMPLE)	-	4.60%	-	-	-	4.45%	4.92%	5.83%	6.35%	5.44%	5.40%
Cost of Revenue to Revenue	56.53%	58.82%	60.94%	58.45%	57.15%	58.00%	58.21%	55.88%	54.06%	56.67%	57.20%
SG&A Expenses to Revenue	13.79%	12.88%	11.56%	11.99%	11.08%	13.40%	11.34%	11.90%	11.30%	10.81%	11.34%
R&D to Revenue	6.46%	6.50%	6.68%	7.12%	6.60%	7.16%	6.74%	6.92%	6.09%	6.82%	7.09%
Operating Expenses to Revenue	20.24%	19.38%	18.24%	19.11%	17.68%	20.56%	18.08%	18.82%	17.39%	17.63%	18.43%
Earnings before Interest and Taxes (EBIT)	133	119	112	126	151	123	139	156	184	159	155
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	182	169	162	176	202	175	190	207	236	212	209
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	6.56	6.81	7.09	6.57	6.69	6.47	6.54	6.16	4.99	6.00	5.34
Price to Tangible Book Value (P/TBV)	55.17	45.62	40.89	33.08	28.99	26.07	24.31	20.47	17.14	19.92	19.25
Price to Revenue (P/Rev)	5.13	5.44	5.76	5.46	5.73	5.63	5.74	5.52	4.49	5.36	4.53
Price to Earnings (P/E)	30.08	31.50	33.34	31.70	32.23	31.56	31.01	28.79	22.58	26.03	21.97
Dividend Yield	1.37%	1.29%	1.22%	1.29%	1.23%	1.26%	1.22%	1.25%	1.54%	1.27%	1.49%
Earnings Yield	3.32%	3.17%	3.00%	3.15%	3.10%	3.17%	3.22%	3.47%	4.43%	3.84%	4.55%
Enterprise Value to Invested Capital (EV/IC)	5.92	6.13	6.41	6.25	6.41	6.15	6.20	6.42	5.02	6.01	5.21
Enterprise Value to Revenue (EV/Rev)	5.23	5.54	5.86	5.51	5.78	5.68	5.79	5.48	4.48	5.36	4.56
Enterprise Value to EBITDA (EV/EBITDA)	16.63	17.61	18.73	17.72	18.29	18.06	18.10	16.83	13.42	15.62	13.28
Enterprise Value to EBIT (EV/EBIT)	23.47	24.74	26.31	24.96	25.53	25.22	24.95	22.89	18.02	20.70	17.55
Enterprise Value to NOPAT (EV/NOPAT)	30.40	32.07	34.18	32.55	33.34	32.91	32.35	29.43	23.23	26.78	22.75
Enterprise Value to Operating Cash Flow (EV/OCF)	27.61	27.89	25.14	21.50	24.57	24.10	24.61	20.29	16.80	18.64	14.59
Enterprise Value to Free Cash Flow (EV/FCFF)	66.96	66.15	49.42	41.78	53.90	52.68	53.43	35.42	32.71	33.17	24.58
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.15	0.15	0.14	0.08	0.07	0.08	0.08	0.00	0.01	0.01	0.04
Long-Term Debt to Equity	0.15	0.15	0.14	0.03	0.03	0.03	0.04	0.00	0.01	0.01	0.04
Financial Leverage	0.14	0.15	0.17	0.11	0.09	0.10	0.09	0.00	0.02	0.03	0.05
Leverage Ratio	1.70	1.65	1.62	1.65	1.58	1.53	1.49	1.50	1.46	1.43	1.43
Compound Leverage Factor	1.71	1.67	1.65	1.71	1.64	1.59	1.53	1.54	1.51	1.47	1.47
Debt to Total Capital	12.86%	12.88%	12.32%	7.53%	6.78%	7.06%	7.70%	0.00%	0.91%	0.90%	4.05%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	4.52%	4.36%	4.23%	4.08%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	12.86%	12.88%	12.32%	3.01%	2.42%	2.82%	3.63%	0.00%	0.91%	0.90%	4.05%
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	87.14%	87.12%	87.68%	92.47%	93.22%	92.94%	92.30%	100.00%	99.09%	99.10%	95.95%
Debt to EBITDA	0.37	0.37	0.36	0.22	0.20	0.21	0.23	0.00	0.02	0.02	0.10
Net Debt to EBITDA	0.32	0.34	0.32	0.16	0.14	0.17	0.18	0.00	-0.02	-0.01	0.08
Long-Term Debt to EBITDA	0.37	0.37	0.36	0.09	0.07	0.08	0.11	0.00	0.02	0.02	0.10
Debt to NOPAT	0.67	0.68	0.67	0.40	0.36	0.38	0.41	0.00	0.04	0.04	0.18
Net Debt to NOPAT	0.59	0.61	0.59	0.30	0.25	0.32	0.31	0.00	-0.03	-0.02	0.14
Long-Term Debt to NOPAT	0.67	0.68	0.67	0.16	0.13	0.15	0.19	0.00	0.04	0.04	0.18
Altman Z-Score	8.55	9.35	10.16	9.08	10.17	10.70	11.50	11.18	10.12	11.94	10.23
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	1.20	1.37	1.39	1.00	1.11	1.17	1.36	1.27	1.49	1.60	1.74
Quick Ratio	0.68	0.74	0.78	0.59	0.61	0.62	0.74	0.78	0.79	0.85	0.89
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-98	-101	-30	15	-33	-53	-55	49	3.98	26	83
Operating Cash Flow to CapEx	325.70%	138.80%	188.32%	353.40%	212.31%	148.89%	191.86%	602.24%	243.11%	315.40%	290.50%
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	0.80	0.81	0.81	0.78	0.79	0.80	0.81	0.80	0.81	0.83	0.84
Accounts Receivable Turnover	7.91	8.36	8.73	6.38	7.54	8.21	8.50	7.30	7.88	8.47	8.91
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	127.90	0.00	0.00
Fixed Asset Turnover	10.31	10.58	10.54	10.53	10.82	10.53	10.61	10.90	11.60	11.16	11.55
Accounts Payable Turnover	61.07	78.94	62.97	58.44	64.74	63.00	67.66	50.87	71.49	67.42	85.93
Days Sales Outstanding (DSO)	46.17	43.67	41.81	57.19	48.40	44.46	42.92	50.02	46.35	43.07	40.96
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.85	0.00	0.00
Days Payable Outstanding (DPO)	5.98	4.62	5.80	6.25	5.64	5.79	5.40	7.18	5.11	5.41	4.25
Cash Conversion Cycle (CCC)	40.19	39.05	36.01	50.94	42.76	38.66	37.53	42.84	44.09	37.66	36.71
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,873	1,953	2,003	1,954	2,022	2,100	2,167	2,029	2,157	2,195	2,204
Invested Capital Turnover	1.20	1.16	1.13	1.16	1.15	1.12	1.11	1.19	1.16	1.15	1.15
Increase / (Decrease) in Invested Capital	199	192	116	83	148	147	164	75	135	95	38
Enterprise Value (EV)	11,095	11,978	12,841	12,215	12,968	12,914	13,441	13,017	10,836	13,199	11,475
Market Capitalization	10,882	11,750	12,618	12,103	12,871	12,790	13,311	13,119	10,853	13,207	11,405
Book Value per Share	$22.76	$23.68	$24.43	$25.27	$26.40	$27.08	$27.94	$29.26	$29.82	$30.44	$29.58
Tangible Book Value per Share	$2.70	$3.54	$4.24	$5.02	$6.09	$6.72	$7.51	$8.80	$8.69	$9.16	$8.21
Total Capital	1,905	1,979	2,030	1,992	2,065	2,126	2,206	2,131	2,193	2,223	2,225
Total Debt	245	255	250	150	140	150	170	0.00	20	20	90
Total Long-Term Debt	245	255	250	60	50	60	80	0.00	20	20	90
Net Debt	214	228	223	112	97	124	130	-102	-16	-8.22	69
Capital Expenditures (CapEx)	48	59	52	66	55	60	56	54	50	48	64
Debt-free, Cash-free Net Working Capital (DFCFNWC)	61	124	120	50	111	147	208	44	179	203	233
Debt-free Net Working Capital (DFNWC)	93	150	148	88	154	172	248	146	216	231	254
Net Working Capital (NWC)	93	150	148	-1.80	64	82	158	146	216	231	254
Net Nonoperating Expense (NNE)	-0.42	-0.96	-1.58	-3.69	-4.20	-3.36	-2.48	-3.39	-4.73	-3.83	-2.71
Net Nonoperating Obligations (NNO)	214	228	223	112	97	124	130	-102	-16	-8.22	69
Total Depreciation and Amortization (D&A)	49	50	50	51	50	52	51	51	52	53	54
Debt-free, Cash-free Net Working Capital to Revenue	2.90%	5.72%	5.49%	2.25%	4.93%	6.46%	8.96%	1.84%	7.41%	8.22%	9.27%
Debt-free Net Working Capital to Revenue	4.38%	6.95%	6.74%	3.98%	6.85%	7.58%	10.67%	6.13%	8.91%	9.37%	10.09%
Net Working Capital to Revenue	4.38%	6.95%	6.74%	-0.08%	2.84%	3.63%	6.79%	6.13%	8.91%	9.37%	10.09%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.40	$1.26	$1.20	$1.38	$1.63	$1.34	$1.53	$1.75	$1.98	$1.73	$1.71
Adjusted Weighted Average Basic Shares Outstanding	72.87M	72.84M	72.87M	72.87M	72.91M	72.92M	72.85M	72.87M	72.75M	72.27M	71.77M
Adjusted Diluted Earnings per Share	$1.39	$1.26	$1.19	$1.39	$1.63	$1.34	$1.52	$1.75	$1.97	$1.72	$1.71
Adjusted Weighted Average Diluted Shares Outstanding	73.01M	72.98M	73.03M	73.03M	73.08M	73.08M	73.01M	73.05M	72.91M	72.41M	71.98M
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	72.83M	72.87M	72.90M	72.91M	72.96M	72.90M	72.82M	72.87M	72.38M	72.17M	71.05M
Normalized Net Operating Profit after Tax (NOPAT)	101	91	86	97	115	94	109	124	139	121	120
Normalized NOPAT Margin	17.72%	16.68%	15.88%	17.39%	19.13%	16.46%	18.57%	20.18%	21.60%	19.51%	18.89%
Pre Tax Income Margin	23.32%	22.03%	21.20%	23.29%	26.09%	22.20%	24.25%	25.99%	29.52%	26.51%	24.92%
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	41.29%	40.62%	40.60%	40.83%	39.60%	39.57%	37.87%	36.13%	34.69%	33.20%	32.68%
Augmented Payout Ratio	53.73%	52.69%	45.89%	48.17%	41.61%	45.77%	47.91%	43.82%	54.89%	61.43%	87.46%

Financials Breakdown Chart

Key Financial Trends

Here are the notable trends for Jack Henry & Associates (JKHY) based on the last four fiscal years of quarterly statements (2022–2026). The focus is on how the company has evolved across revenue, profitability, cash flows, and balance-sheet fundamentals.

Revenue has stayed large and broadly rising, with multiple quarters above $600 million. Examples include 2025 Q1 revenue of $644.7M and 2026 Q1 revenue of $644.7M, with 2025 Q4 at $615.4M and 2026 Q2 at $619.3M, indicating sustained scale versus earlier years around the mid-$500M range.
Net income and profit margins have remained solid and generally trending higher, supported by consistent operating performance. Net income continuing operations ran around $111–145M across recent quarters, with 2025–2026 periods showing notable profitability (e.g., 2025 Q4 around $127.6M; 2026 Q1 around $144.0M; 2026 Q2 around $124.7M).
Operating margins are in a healthy range, roughly mid-20s percent. For example, 2026 Q2 shows Total Operating Income of $159.1M on revenue of $619.3M, implying an operating margin near 25.7%.
Operating cash flow is robust and growing, supporting sustaining capital returns to shareholders. Net cash from continuing operating activities was about $120.6M in 2026 Q1 and rose to $152.7M in 2026 Q2, reflecting strong cash generation relative to reported earnings.

Balance sheet composition is solid, with ample equity versus liabilities and a modest debt footprint. Total assets around $3.0B and total equity near $2.0B (e.g., 2026 Q2: Total Assets ~$3.06B, Total Equity ~$2.20B), with long-term debt generally in the tens of millions (e.g., 2025 Q4 long-term debt around $60M; 2026 Q2 around $20M).
R&D and selling, general, and administrative (SGA) costs are steady, leaving room for ongoing investment. R&D expenses typically run in the 6–7% range of revenue, while SG&A runs around 10–11% in many quarters, indicating ongoing investment in growth while preserving margins.

Financing cash flows are often negative due to debt repayments and shareholder returns, which reduces cash on hand even as CFO remains positive. For example, net cash from financing activities has frequently been negative in multiple periods, reflecting debt repayments and share repurchases/dividends.
Investing cash flows are consistently negative as the company funds capex and acquisitions, which suppresses free cash flow in the short term. Net cash from continuing investing activities is frequently negative (e.g., notable quarterly outflows for property, plant & equipment and acquisitions), reflecting ongoing capital investments.

05/14/26 11:42 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 2025 ended on June 30, 2025.

Jack Henry & Associates' net income appears to be on an upward trend, with a most recent value of $455.75 million in 2025, rising from $211.22 million in 2015. The previous period was $381.82 million in 2024. View Jack Henry & Associates' forecast to see where analysts expect Jack Henry & Associates to go next.

Jack Henry & Associates' total operating income in 2025 was $568.72 million, based on the following breakdown:

Total Gross Profit: $1.01 billion
Total Operating Expenses: $445.83 million

Over the last 10 years, Jack Henry & Associates' total revenue changed from $1.26 billion in 2015 to $2.38 billion in 2025, a change of 89.1%.

Jack Henry & Associates' total liabilities were at $913.14 million at the end of 2025, a 15.6% decrease from 2024, and a 8.0% increase since 2015.

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 $101.95 million as of their latest financial filing in 2025.

Over the last 10 years, Jack Henry & Associates' book value per share changed from 12.24 in 2015 to 29.26 in 2025, a change of 139.0%.

Related Companies

Financial statements for NASDAQ:JKHY last updated on 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Jack Henry & Associates (JKHY) Financials

Financials Breakdown Chart

Key Financial Trends

Jack Henry & Associates Financials - Frequently Asked Questions

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Jack Henry & Associates (JKHY) Financials

Annual Income Statements for Jack Henry & Associates

Quarterly Income Statements for Jack Henry & Associates

Annual Cash Flow Statements for Jack Henry & Associates

Quarterly Cash Flow Statements for Jack Henry & Associates

Annual Balance Sheets for Jack Henry & Associates

Quarterly Balance Sheets for Jack Henry & Associates

Annual Metrics And Ratios for Jack Henry & Associates

Quarterly Metrics And Ratios for Jack Henry & Associates

Financials Breakdown Chart

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Jack Henry & Associates Financials - Frequently Asked Questions

When does Jack Henry & Associates' fiscal year end?

How has Jack Henry & Associates' net income changed over the last 10 years?

What is Jack Henry & Associates' operating income?

How has Jack Henry & Associates' revenue changed over the last 10 years?

How much debt does Jack Henry & Associates have?

How much cash does Jack Henry & Associates have?

How has Jack Henry & Associates' book value per share changed over the last 10 years?

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