Jack Henry & Associates Inc (NASDAQ:JKHY)
Insiders here have filed 26 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Keeps a healthy share of every dollar it sells.
- Revenue
- $2.53B
- Net income
- $502.8M
- Net margin
- 19.8%
Little or no net debt.
- Total debt
- $40.0M
- Cash
- $12.1M
- Net debt / EBITDA
- 0.03x
Covers near-term obligations, without much room.
- Current assets
- $649.1M
- Current liabilities
- $556.2M
- Current ratio
- 1.17
The business funds itself from operations.
- Operating cash flow
- $762.0M
- Free cash flow
- $694.9M
- FCF margin
- 27.4%
Not funding itself by issuing shares.
- Shares outstanding
- 72.0M
- Share growth (1y)
- -1.3%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
JKHY Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 633.10 M | 636.25 M | 619.33 M | 644.74 M | 615.37 M | 585.09 M |
| Revenue Growth (YoY) | 2.88 % | 8.74 % | 7.93 % | 7.28 % | 9.91 % | 8.64 % |
| Cost of Revenue | 365.26 M | 363.92 M | 350.99 M | 348.57 M | 343.88 M | 340.59 M |
| Gross Profit | 267.84 M | 272.32 M | 268.35 M | 296.17 M | 271.49 M | 244.50 M |
| SG&A Expense | 85.30 M | 72.17 M | 66.97 M | 72.83 M | 73.22 M | 66.35 M |
| R&D Expense | 49.83 M | 45.11 M | 42.23 M | 39.28 M | 42.58 M | 39.41 M |
| Operating Expenses | 135.13 M | 117.28 M | 109.20 M | 112.11 M | 115.80 M | 105.76 M |
| Operating Income | 132.71 M | 155.05 M | 159.15 M | 184.06 M | 155.70 M | 138.74 M |
| Pretax Income | 139.74 M | 158.54 M | 164.19 M | 190.32 M | 159.95 M | 141.91 M |
| Tax Provision | 28.51 M | 35.65 M | 39.52 M | 46.33 M | 32.34 M | 30.80 M |
| Net Income | 111.23 M | 122.89 M | 124.67 M | 143.99 M | 127.60 M | 111.11 M |
| EPS (Basic) | 1.57 | 1.71 | 1.72 | 1.98 | 1.75 | 1.53 |
| EPS (Diluted) | 1.57 | 1.71 | 1.72 | 1.97 | 1.75 | 1.52 |
| Shares Outstanding | 72.04 M | 71.98 M | 72.41 M | 72.91 M | 73.00 M | 72.82 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.