Jack Henry Financials

JKHY Stock  USD 176.18  2.22  1.28%   
Based on the key measurements obtained from Jack Henry's financial statements, Jack Henry Associates may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Jack Henry's Cash And Short Term Investments are fairly stable compared to the past year. Common Stock Shares Outstanding is likely to rise to about 85.3 M in 2024, whereas Property Plant And Equipment Net is likely to drop slightly above 176.8 M in 2024. Key indicators impacting Jack Henry's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.110.1723
Way Down
Pretty Stable
Return On Assets0.0880.1306
Way Down
Pretty Stable
Return On Equity0.150.2072
Way Down
Pretty Stable
Debt Equity Ratio0.130.0814
Way Up
Pretty Stable
Operating Income513.9 M489.4 M
Sufficiently Up
Slightly volatile
Current Ratio1.450.9972
Way Up
Pretty Stable
The financial analysis of Jack Henry is a critical element in measuring its lifeblood. Investors should not minimize Jack Henry's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

400.91 Million

  
Understanding current and past Jack Henry Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Jack Henry's financial statements are interrelated, with each one affecting the others. For example, an increase in Jack Henry's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in Jack Henry's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Jack Henry Associates. Check Jack Henry's Beneish M Score to see the likelihood of Jack Henry's management manipulating its earnings.

Jack Henry Stock Summary

Jack Henry competes with CACI International, CDW Corp, Broadridge Financial, ExlService Holdings, and Gartner. Jack Henry Associates, Inc. provides technology solutions and payment processing services primarily for financial services organizations in the United States. Jack Henry Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri. Jack Henry operates under Information Technology Services classification in the United States and is traded on NASDAQ Exchange. It employs 6847 people.
Specialization
Financials, Information Technology Services
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS4262811015
CUSIP426281101
LocationMissouri; U.S.A
Business Address663 West Highway
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.jackhenry.com
Phone417 235 6652
CurrencyUSD - US Dollar

Jack Henry Key Financial Ratios

Jack Henry Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets2.4B2.3B2.5B2.8B2.9B3.1B
Other Current Liab166.7M182.5M192.0M(399.7M)192.3M201.9M
Net Debt(213.0M)49.2M66.3M262.8M171.3M179.9M
Retained Earnings2.2B2.4B2.6B2.9B3.1B3.2B
Cash213.3M51.0M48.8M12.2M38.3M52.3M
Net Receivables300.9M306.6M348.1M361.3M339.2M171.1M
Other Current Assets154.8M186.2M216.7M254.5M254.6M267.3M
Total Liab878.8M1.0B1.1B399.7M1.1B1.1B
Total Current Assets514.3M543.7M613.5M12.2M632.0M663.6M
Intangible Assets465.5M476.1M505.6M20.0M671.7M705.3M
Accounts Payable9.9M18.5M21.0M19.2M25.3M33.1M
Common Stock1.0M1.0M1.0M1.0M1.0M1.0M
Other Liab327.1M346.6M374.3M326.1M375.0M393.7M
Other Assets264.2M307.2M372.2M615.7M708.1M743.5M
Good Will666.9M686.3M687.5M804.8M925.5M513.5M
Treasury Stock(1.1B)(1.1B)(1.2B)(1.8B)(1.6B)(1.6B)
Net Tangible Assets397.9M154.5M143.1M152.5M175.3M206.5M
Capital Surpluse464.1M472.0M495.0M583.8M671.4M493.6M

Jack Henry Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
201920202021202220232024 (projected)
Interest Expense688K1.1M2.4M15.1M16.4M17.2M
Total Revenue1.7B1.8B1.9B2.1B2.2B2.3B
Gross Profit688.6M694.8M814.3M858.6M916.1M961.9M
Operating Income380.6M223.1M297.0M480.7M489.4M513.9M
Ebit264.0M100.8M474.7M489.6M514.4M540.1M
Ebitda553.6M398.7M652.3M680.4M714.3M750.0M
Cost Of Revenue1.0B1.1B1.1B1.2B1.3B1.4B
Income Before Tax381.1M397.7M472.3M474.6M498.0M522.9M
Net Income296.7M311.5M362.9M366.6M381.8M400.9M
Income Tax Expense84.4M86.3M109.4M107.9M116.2M122.0M
Research Development110.0M109.0M121.4M142.7M148.3M155.7M
Tax Provision84.4M86.3M109.4M107.9M116.2M102.5M
Interest Income1.1M150K32K9.0M25.0M26.3M
Net Interest Income449K(994K)(2.4M)(6.1M)8.6M9.1M

Jack Henry Key Cash Accounts

Cash flow analysis captures how much money flows into and out of Jack Henry Associates. It measures of how well Jack is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money Jack Henry brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money Jack had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what Jack Henry has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201920202021202220232024 (projected)
Change In Cash119.7M(162.4M)(2.2M)(36.5M)26.0M27.3M
Free Cash Flow333.0M304.3M313.2M174.6M335.6M352.4M
Depreciation171.8M175.7M177.6M190.7M199.9M209.9M
Other Non Cash Items4.7M(2.0M)400K(4.5M)3.8M4.0M
Capital Expenditures177.5M157.8M191.4M207.0M232.4M244.0M
Net Income296.7M311.5M362.9M366.6M381.8M400.9M
End Period Cash Flow213.3M51.0M48.8M12.2M38.3M59.6M
Dividends Paid127.4M133.8M139.1M147.2M(155.9M)(148.1M)
Change To Netincome46.2M35.5M57.1M(24.1M)(27.7M)(26.3M)
Change To Inventory(10.5M)6.1M41.5M12.1M13.9M14.6M
Investments(1.2M)(162.3M)(196.3M)(1M)(240.2M)(228.2M)
Change Receivables(9.2M)(11.8M)10.5M(12.1M)(10.9M)(11.4M)

Jack Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Jack Henry's current stock value. Our valuation model uses many indicators to compare Jack Henry value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Jack Henry competition to find correlations between indicators driving Jack Henry's intrinsic value. More Info.
Jack Henry Associates is currently regarded as number one stock in return on equity category among its peers. It also is currently regarded as number one stock in return on asset category among its peers reporting about  0.50  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Jack Henry Associates is roughly  1.99 . At this time, Jack Henry's Return On Equity is fairly stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Jack Henry's earnings, one of the primary drivers of an investment's value.

Jack Henry Associates Systematic Risk

Jack Henry's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Jack Henry volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was ten with a total number of output elements of fifty-one. The Beta measures systematic risk based on how returns on Jack Henry Associates correlated with the market. If Beta is less than 0 Jack Henry generally moves in the opposite direction as compared to the market. If Jack Henry Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Jack Henry Associates is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Jack Henry is generally in the same direction as the market. If Beta > 1 Jack Henry moves generally in the same direction as, but more than the movement of the benchmark.

Jack Henry Thematic Clasifications

Jack Henry Associates is part of several thematic ideas from Computers to Technology. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Jack Henry Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Jack Henry's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Jack Henry growth as a starting point in their analysis.

Price Earnings To Growth Ratio

4.34

At this time, Jack Henry's Price Earnings To Growth Ratio is fairly stable compared to the past year.

Jack Henry November 30, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Jack Henry help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Jack Henry Associates. We use our internally-developed statistical techniques to arrive at the intrinsic value of Jack Henry Associates based on widely used predictive technical indicators. In general, we focus on analyzing Jack Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Jack Henry's daily price indicators and compare them against related drivers.

Additional Tools for Jack Stock Analysis

When running Jack Henry's price analysis, check to measure Jack Henry's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Jack Henry is operating at the current time. Most of Jack Henry's value examination focuses on studying past and present price action to predict the probability of Jack Henry's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Jack Henry's price. Additionally, you may evaluate how the addition of Jack Henry to your portfolios can decrease your overall portfolio volatility.