$158.25

-4.10 (-2.53%)

Pre-Market: $157.28 (-0.97, -0.62%)

Weekly Expected Move ±3.8%

$150 $156 $163 $169 $175

NASDAQ · Technology · Information Technology Services · Tech Score Strong Buy · Power 75 · $11.1B mcap · 70M float · 1.59% daily turnover · Short 62% of daily vol

Credit Risk of going bust: lower than 96% of companies Debt: 0.4% of company value Bonds: none of note held by US funds details ▾

Of US companies ranked in the safest four tenths, about 1 in 3,500 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $0.04 (down more than 99.9%), Jack Henry & Associates, Inc. would be worth roughly what it owes.
Total debt $40.0M against a stock market value of $11.10B.
Distance to default 21.14 (Merton model): prices to 2026-10-27, balance sheet 2026-06-30, debt counted $20.0M (short-term plus half of long-term), stock volatility 29.9%; Altman Z'' 7.30. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$2.5B +5.1% ▲

5Y CAGR: +7.3%

Gross Profit

$1.1B +6.1% ▲

5Y CAGR: +9.1%

Operating Income

$606M +6.6% ▲

5Y CAGR: +8.7%

Net Income

$503M +10.3% ▲

5Y CAGR: +10.1%

EPS (Diluted)

$6.98 +11.9% ▲

5Y CAGR: +11.1%

EBITDA

$819M +2.3% ▲

5Y CAGR: +3.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$1.9B	$2.1B	$2.2B	$2.4B	$2.5B
YoY Growth	+10.5%	+6.9%	+6.6%	+7.2%	+5.1%
Cost of Revenue	$1.1B	$1.2B	$1.3B	$1.4B	$1.4B
Gross Profit	$814M	$859M	$916M	$1.0B	$1.1B
Gross Margin	41.9%	41.3%	41.3%	42.7%	43.1%
R&D Expenses	$121M	$143M	$148M	$163M	$176M
SG&A Expenses	$218M	$235M	$278M	$283M	$299M
Operating Expenses	$340M	$378M	$427M	$446M	$470M
Operating Income	$475M	$481M	$489M	$569M	$606M
Operating Margin	24.4%	23.1%	22.1%	23.9%	24.3%
Interest Expense	$2M	$15M	$16M	$10M	$5M
Income Before Tax	$472M	$475M	$498M	$586M	$653M
Tax Expense	$109M	$108M	$116M	$130M	$150M
Net Income	$363M	$367M	$382M	$456M	$503M
Net Margin	18.7%	17.6%	17.2%	19.2%	20.1%
EPS (Diluted)	$4.94	$5.02	$5.23	$6.24	$6.98
EBITDA	$652M	$680M	$714M	$801M	$819M
Shares Outstanding	73M	73M	73M	73M	72M

Line Item	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3	FY2026 Q4
Revenue	$601M	$574M	$585M	$615M	$645M	$619M	$636M	$633M
Cost of Revenue	$343M	$333M	$341M	$344M	$349M	$351M	$364M	$365M
Gross Profit	$258M	$241M	$245M	$271M	$296M	$268M	$272M	$268M
Gross Margin	42.9%	42.0%	41.8%	44.1%	45.9%	43.3%	42.8%	42.3%
R&D Expenses	$40M	$41M	$39M	$43M	$39M	$42M	$45M	$50M
SG&A Expenses	$67M	$77M	$66M	$73M	$73M	$67M	$72M	$85M
Operating Expenses	$106M	$118M	$106M	$116M	$112M	$109M	$117M	$135M
Operating Income	$151M	$123M	$139M	$156M	$184M	$159M	$155M	$133M
Operating Margin	25.2%	21.4%	23.7%	25.3%	28.5%	25.7%	24.4%	21.0%
Interest Expense	$3M	$3M	$3M	$2M	$886K	$1M	$1M	$2M
Income Before Tax	$157M	$127M	$142M	$160M	$190M	$164M	$159M	$140M
Tax Expense	$38M	$30M	$31M	$32M	$46M	$40M	$36M	$29M
Net Income	$119M	$98M	$111M	$128M	$144M	$125M	$123M	$111M
Net Margin	19.8%	17.1%	19.0%	20.7%	22.3%	20.1%	19.3%	17.6%
EPS (Diluted)	$1.63	$1.34	$1.52	$1.75	$1.97	$1.72	$1.71	$1.57
EBITDA	$210M	$182M	$196M	$214M	$243M	$218M	$214M	$187M
Shares Outstanding	73M	73M	73M	73M	73M	72M	72M	72M

JKHY NASDAQ