JKHY
Value In WatchlistJack Henry & Associates, Inc.
Company Overview
jackhenry.comJack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist of integrated applications required to process deposit, loan, general ledger transactions, and maintain centralized acco...untholder information. The Payments segment offers secure payment processing tools and services, including ATM, automated clearing house origination and remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions. The Complementary segment provides software, and hosted processing platforms and services comprising digital/mobile banking, treasury, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate and Other segment offers hardware and other products. It offers specialized financial performance, imaging and payment, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. The company also provides SilverLake system, a system primarily designed for commercial-focused banks; Symitar, a system designed for credit unions; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and service solutions; data center solutions; and data and transaction processing, and software licensing and related services, as well as professional services. The company was founded in 1976 and is headquartered in Monett, Missouri.
Fundamental Snapshot
Company Info
Valuation
Profitability
Risk / Health
Interpretation:
8-9: Very Strong
5-7: Stable
0-4: Weak (Risk)
Interpretation:
> 3.0: Safe Zone
1.8 - 3.0: Grey Zone
< 1.8: Distress Zone (High Risk)
Interpretation:
< -1.78: Unlikely Manipulator
> -1.78: Possible Manipulator
Price (1Y)
Revenue Growth (YoY)
7.9%
Revenue CAGR (3Y)
6.8%
Revenue CAGR (5Y)
7.4%
Earnings CAGR (3Y)
10.6%
FCF CAGR (3Y)
-11.0%
FCF CAGR (5Y)
-3.1%
Industry Benchmark: Business & Consumer Services
155 firms | Source: DamodaranPE (Current)
35.4x
PE (Forward)
18.7x
P/S
2.20x
EV/EBITDA
14.3x
ROE
18.2%
Net Margin
7.0%
Income & Cash Flow
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Gross Profit ($B)
Operating Income ($B)
Net Income ($B)
Free Cash Flow ($B)
Op. Cash Flow ($B)
Expenses
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Operating Expenses ($B)
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SG&A Expense ($B)
Cash & Debt
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Shareholders' Equity ($B)
Shares, Dividends & Valuation
Shares Outstanding (B)
Dividends Paid ($B)
P/E Ratio
P/S Ratio
EV/EBITDA
Price vs FCF Fair Value
Avg: 19.8xPrice vs OCF Fair Value
Avg: 25.4xPrice vs Earnings Fair Value
Avg: 33.8xPrice vs EBIT Fair Value
Avg: 26.0xPrice vs EBITDA Fair Value
Avg: 18.2xPrice vs Sales Fair Value
Avg: 5.9xSegment KPIs
Coming soon - custom metrics from company filings