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JKHY
Jack Henry & Associates, Inc.
+161%
+10.1% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NASDAQ
Industry Information Technology Services
Sector Technology
Market Cap $12.38B
CEO Mr. Gregory R. Adelson

Jack Henry & Associates, Inc. is a company that helps banks and credit unions with technology and payment processing services. They provide software and tools that allow these financial institutions to manage transactions, handle customer information, and improve their services. Their products include systems for processing loans and deposits, as well as solutions for online and mobile banking. Founded in 1976 and based in Missouri, Jack Henry aims to make banking easier and more efficient for both financial organizations and their customers.

Streams of revenue

Payments: 37%
Core Segment: 34%
Complementary: 30%

Geographic Distribution

United States: 80%
International: 20%

Estimations for reference only

Core Products

📱
Banno Digital banking
🏦
Symitar Credit union software
📈
ProfitStars Financial solutions
💻
SilverLake System Banking platform
💳
JHA Payment Solutions Payment processing

Business Type

B2B Business to Business

Competitive Advantages

📜
Regulatory Expertise Deep understanding of financial regulations allows Jack Henry to provide compliant solutions, making it a preferred vendor for risk-averse clients.
🏆
Strong Brand Recognition Jack Henry & Associates has established a strong reputation in the financial services sector, making it a trusted partner for banks and credit unions.
📦
Comprehensive Product Suite The company offers a wide range of integrated solutions, addressing various needs from core data processing to payment solutions, which enhances customer retention.
🤝
Established Client Relationships Long-term partnerships with a diverse range of financial institutions create a loyal customer base and reduce turnover.
⚙️
Scalable Technology Infrastructure The company's technology solutions are designed to scale with client growth, ensuring continued relevance and support for evolving customer demands.

Key Business Risks

📉
Economic Downturn Economic instability can lead to reduced spending by financial institutions, affecting demand for Jack Henry's services.
🏦
Market Competition Intense competition from other technology providers and financial services firms could impact market share and pricing power.
⚙️
Technological Change Rapid advancements in technology may require continuous investment in innovation to stay relevant and meet client expectations.
🔒
Cybersecurity Threats As a provider of technology solutions, Jack Henry faces risks from cyberattacks that could compromise sensitive financial data.
⚖️
Regulatory Compliance The company must adhere to evolving regulations in the financial services industry, which poses a risk of non-compliance and potential fines.

Meeting Expectations

8 /10

Higher values indicate better execution and credibility

Recent Results

Missed earnings 2025-02-04
Beat earnings 2024-11-05
Beat earnings 2024-08-20
Beat earnings 2024-05-07
Beat earnings 2024-02-06
Beat earnings 2023-11-07
Beat earnings 2023-08-15
Beat earnings 2023-05-02
Missed earnings 2023-02-07
Beat earnings 2022-11-08

Takeaways

Jack Henry & Associates exhibits a strong business model with a diversified product offering and a solid market position in the financial services sector. Its competitive advantages, particularly in technology solutions and customer service, combined with healthy financials and growth potential, contribute to its attractiveness.

Historical data shows an impressive CAGR compared with the USA stock market average, reflecting a strong market position.

Yearly Return 10Y annualized return is very good at 10.1% per year
Earnings Expectations JKHY has met or exceeded earnings expectations in the majority of recent quarters (8/10)

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