JKHY · Jack Henry & Associates Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $636.25M | $619.33M | $644.74M | $573.85M | $585.09M | $600.98M | $545.70M | $538.56M | $571.37M | $505.31M |
| Cost of Revenue | $363.92M | $350.99M | $348.57M | $332.85M | $340.59M | $343.43M | $320.98M | $328.22M | $323.00M | $304.59M |
| Gross Profit | $272.32M | $268.35M | $296.17M | $241.00M | $244.50M | $257.55M | $224.72M | $210.34M | $248.37M | $200.72M |
| R&D | $45.11M | $42.23M | $39.28M | $41.09M | $39.41M | $39.69M | $35.48M | $35.99M | $36.89M | $36.56M |
| SG&A | $72.17M | $66.97M | $72.83M | $76.90M | $66.35M | $66.59M | $70.28M | $62.25M | $78.77M | $56.79M |
| Total Operating Expenses | $481.20M | $460.19M | $460.67M | $450.85M | $446.35M | $449.71M | $426.73M | $426.46M | $438.67M | $397.94M |
| D&A | - | - | $10.43M | - | - | $11.27M | - | - | $12.05M | - |
| Operating Income | $155.05M | $159.15M | $184.06M | $123.00M | $138.74M | $151.28M | $118.97M | $112.10M | $132.70M | $107.38M |
| Interest Expense | - | - | - | - | - | - | $3.87M | - | $4.20M | $3.41M |
| Income Tax | $35.65M | $39.52M | $46.33M | $29.54M | $30.80M | $37.61M | $28.26M | $27.07M | $31.57M | $24.43M |
| Net Income | $122.89M | $124.67M | $143.99M | $97.84M | $111.11M | $119.19M | $91.97M | $87.10M | $101.68M | $80.78M |
| EPS - Basic | $1.71 | $1.73 | $1.98 | $1.34 | $1.53 | $1.63 | $1.26 | $1.20 | $1.40 | $1.11 |
| EPS - Diluted | $1.71 | $1.72 | $1.97 | $1.34 | $1.52 | $1.63 | $1.26 | $1.19 | $1.39 | $1.10 |
Balance Sheet
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $20.57M | $28.22M | $36.24M | $25.65M | $39.87M | $38.28M | $26.71M | $27.25M | $12.24M | $25.76M |
| Accounts Receivable | $282.46M | $298.46M | $307.65M | $317.98M | $282.16M | $306.66M | $333.03M | $263.42M | $288.73M | $361.25M |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | $19.92M | $17.50M | $17.72M | $28.19M | $12.83M | $20.49M | $25.31M | $26.90M | $20.29M | $19.16M |
| Current Assets | $594.84M | $615.83M | $651.65M | $681.46M | $593.24M | $634.50M | $632.02M | $522.56M | $563.50M | $627.96M |
| Total Assets | $3.05B | $3.06B | $3.05B | $3.04B | $2.93B | $2.93B | $2.92B | $2.77B | $2.73B | $2.77B |
| Current Liabilities | $341.13M | $384.93M | $436.13M | $535.78M | $435.62M | $570.69M | $633.81M | $375.04M | $470.56M | $523.76M |
| Long-term Debt | $90.00M | $20.00M | $20.00M | $0 | $80.00M | $50.00M | $60.00M | - | - | $275.00M |
| Total Liabilities | $915.75M | $856.99M | $874.24M | $913.14M | $895.59M | $1.00B | $1.08B | $990.57M | $1.07B | $1.17B |
| Stockholders' Equity | $2.13B | $2.20B | $2.17B | $2.13B | $2.04B | $1.93B | $1.84B | $1.78B | $1.66B | $1.61B |
| Retained Earnings | $3.64B | $3.56B | $3.47B | $3.37B | $3.29B | $3.16B | $3.08B | $3.02B | $2.92B | $2.86B |
Cash Flow
| Line item | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | $120.59M | - | - | $116.90M | - | - | $157.14M | - |
| Investing Cash Flow | - | - | ($98.50M) | - | - | ($58.74M) | - | - | ($50.53M) | - |
| Financing Cash Flow | - | - | ($87.80M) | - | - | ($53.23M) | - | - | ($87.39M) | - |
| CapEx | - | - | $8.88M | - | - | $12.80M | - | - | $7.61M | - |
| Free Cash Flow | - | - | $111.71M | - | - | $104.09M | - | - | $149.53M | - |
Ratios
| Metric | Q3 '26 | Q2 '26 | Q1 '26 | Q2 '25 | Q3 '25 | Q1 '25 | Q2 '24 | Q3 '24 | Q1 '24 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | 42.8% | 43.3% | 45.9% | 42.0% | 41.8% | 42.9% | 41.2% | 39.1% | 43.5% | 39.7% |
| Operating margin | 24.4% | 25.7% | 28.5% | 21.4% | 23.7% | 25.2% | 21.8% | 20.8% | 23.2% | 21.2% |
| EBITDA margin | - | - | 30.2% | - | - | 27.0% | - | - | 25.3% | - |
| Net margin | 19.3% | 20.1% | 22.3% | 17.1% | 19.0% | 19.8% | 16.9% | 16.2% | 17.8% | 16.0% |
| Free cash flow margin | - | - | 17.3% | - | - | 17.3% | - | - | 26.2% | - |
| FCF / Net income | - | - | 0.78 | - | - | 0.87 | - | - | 1.47 | - |
| R&D / Revenue | 7.1% | 6.8% | 6.1% | 7.2% | 6.7% | 6.6% | 6.5% | 6.7% | 6.5% | 7.2% |
| SG&A / Revenue | 11.3% | 10.8% | 11.3% | 13.4% | 11.3% | 11.1% | 12.9% | 11.6% | 13.8% | 11.2% |
| Effective tax rate | 22.5% | 24.1% | 24.3% | 23.2% | 21.7% | 24.0% | 23.5% | 23.7% | 23.7% | 23.2% |
| Return on assets | 4.0% | 4.1% | 4.7% | 3.2% | 3.8% | 4.1% | 3.1% | 3.1% | 3.7% | 2.9% |
| Return on equity | 5.8% | 5.7% | 6.6% | 4.6% | 5.5% | 6.2% | 5.0% | 4.9% | 6.1% | 5.0% |
| Return on invested capital | 5.4% | 5.4% | 6.3% | 4.4% | 5.1% | 5.8% | 4.8% | - | - | 4.4% |
| Liquidity | ||||||||||
| Current ratio | 1.74 | 1.60 | 1.49 | 1.27 | 1.36 | 1.11 | 1.00 | 1.39 | 1.20 | 1.20 |
| Quick ratio | 1.74 | 1.60 | 1.49 | 1.27 | 1.36 | 1.11 | 1.00 | 1.39 | 1.20 | 1.20 |
| Cash ratio | 0.06 | 0.07 | 0.08 | 0.05 | 0.09 | 0.07 | 0.04 | 0.07 | 0.03 | 0.05 |
| Leverage | ||||||||||
| Debt / Equity | 0.04 | 0.01 | 0.01 | 0.00 | 0.04 | 0.03 | 0.03 | - | - | 0.17 |
| Debt / Assets | 0.03 | 0.01 | 0.01 | 0.00 | 0.03 | 0.02 | 0.02 | - | - | 0.10 |
| Debt / EBITDA | - | - | 0.10 | - | - | 0.31 | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | 30.8x | - | 31.6x | 31.5x |
| Equity multiplier | 1.43 | 1.39 | 1.40 | 1.43 | 1.44 | 1.52 | 1.59 | 1.56 | 1.65 | 1.72 |
| Liabilities / Assets | 0.30 | 0.28 | 0.29 | 0.30 | 0.31 | 0.34 | 0.37 | 0.36 | 0.39 | 0.42 |
| Efficiency | ||||||||||
| Asset turnover | 0.21 | 0.20 | 0.21 | 0.19 | 0.20 | 0.21 | 0.19 | 0.19 | 0.21 | 0.18 |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | 162d | 176d | 174d | 202d | 176d | 186d | 223d | 179d | 184d | 261d |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | 20d | 18d | 19d | 31d | 14d | 22d | 29d | 30d | 23d | 23d |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 92.4x | 106.1x | 75.6x | 134.5x | 120.1x | 108.3x | 131.8x | 146.0x | 108.7x | 152.1x |
| P / B | 5.3x | 6.0x | 5.0x | 6.2x | 6.5x | 6.7x | 6.6x | 7.1x | 6.6x | 7.6x |
| P / S | 17.9x | 21.3x | 16.8x | 22.9x | 22.8x | 21.5x | 22.2x | 23.6x | 19.3x | 24.2x |
| EV / EBITDA | - | - | 55.7x | - | - | 79.4x | - | - | 76.2x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 8.7% | 7.9% | 7.3% | 5.2% | 8.6% | 5.2% | 8.0% | 5.9% | 8.0% | 2.3% |
| Revenue CAGR (3y) | 7.8% | 7.0% | 6.8% | 5.1% | 7.0% | 7.2% | 8.9% | 7.5% | 8.1% | 6.4% |
| Revenue CAGR (5y) | 8.0% | 8.0% | 7.4% | 6.5% | 6.4% | 6.5% | 8.8% | 7.2% | 7.8% | 6.2% |
| Gross profit growth (YoY) | 11.4% | 11.3% | 15.0% | 7.2% | 16.2% | 3.7% | 12.0% | 4.5% | 7.5% | -4.9% |
| Operating income growth (YoY) | 11.8% | 29.4% | 21.7% | 3.4% | 23.8% | 14.0% | 10.8% | 3.4% | -5.7% | -14.6% |
| Net income growth (YoY) | 10.6% | 27.4% | 20.8% | 6.4% | 27.6% | 17.2% | 13.9% | 6.8% | -4.6% | -15.6% |
| EPS growth (YoY) | 12.5% | 28.4% | 20.9% | 6.3% | 27.7% | 17.3% | 14.5% | 6.2% | -4.8% | -15.4% |
| EPS CAGR (3y) | 15.1% | 16.1% | 10.5% | 1.0% | 9.4% | 5.7% | 10.3% | 7.8% | 5.3% | 5.4% |
| EPS CAGR (5y) | 12.5% | 12.8% | 10.6% | 7.3% | 9.6% | 7.0% | 7.4% | 9.1% | 5.2% | -11.4% |
| FCF growth (YoY) | - | - | 7.3% | - | - | -30.4% | - | - | 15.8% | - |
| FCF CAGR (5y) | - | - | 0.3% | - | - | -1.1% | - | - | 4.0% | - |
| Book value growth (YoY) | 4.8% | 3.4% | 12.9% | 15.7% | 14.4% | 16.0% | 14.5% | 15.7% | 13.6% | 16.4% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-06-30.
Business segments
$2.38B totalPayments$873.50M · 36.8%
Core Segment$739.28M · 31.1%
Complementary$675.21M · 28.4%
Corporate And Other$87.30M · 3.7%
Product / service
$3.74B totalLicense And Service$1.36B · 36.4%
Processing$1.01B · 27.1%
Outsourcing Cloud$756.88M · 20.3%
In House Support$353.13M · 9.4%
Product Deliveryand Service$251.73M · 6.7%
Peer comparison
Same SIC group: Services-Computer Integrated Systems Design
Comparing JACK HENRY & ASSOCIATES INC against the 5 most active filers in the same SIC group.
Dividends
$2.38/share trailing 12 months · +5.3% YoY
| Ex-date | Per share |
|---|---|
| Jun 1, 2026 | $0.6100 |
| Mar 5, 2026 | $0.6100 |
| Dec 2, 2025 | $0.5800 |
| Sep 5, 2025 | $0.5800 |
| May 29, 2025 | $0.5800 |
| Mar 6, 2025 | $0.5800 |
| Dec 2, 2024 | $0.5500 |
| Sep 6, 2024 | $0.5500 |
| May 24, 2024 | $0.5500 |
| Mar 7, 2024 | $0.5500 |
| Nov 30, 2023 | $0.5200 |
| Sep 7, 2023 | $0.5200 |
| May 25, 2023 | $0.5200 |
| Mar 7, 2023 | $0.5200 |
| Nov 30, 2022 | $0.4900 |
| Sep 8, 2022 | $0.4900 |
| May 26, 2022 | $0.4900 |
| Mar 7, 2022 | $0.4900 |
| Dec 2, 2021 | $0.4600 |
| Sep 8, 2021 | $0.4600 |
| May 27, 2021 | $0.4600 |
| Mar 5, 2021 | $0.4600 |
| Dec 1, 2020 | $0.4300 |
| Sep 8, 2020 | $0.4300 |