JACK HENRY & ASSOCIATES INC JKHY
Jack Henry & Associates, Inc.® is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. For 50 years, we have provided technology solutions to help banks and credit unions innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower over 7,200 financial institutions and diverse corporate entities with people-inspired innovation, personal service, and insight-driven solutions.
We strengthen the connections between people and their financial institutions through technology and services that reduce the barriers to financial health.
Valuation FY2026 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.54B | $2.38B | $2.22B | $2.08B | $1.94B | $1.76B | $1.70B | $1.55B | $1.47B | $1.39B |
| Cost of revenue | $1.43B | $1.36B | $1.30B | $1.22B | $1.13B | $1.06B | $1.01B | $923.0M | $853.1M | $805.9M |
| Gross profit | $1.11B | $1.01B | $916.1M | $858.6M | $814.3M | $694.8M | $688.6M | $629.7M | $617.7M | $612.1M |
| R&D | $176.4M | $162.8M | $148.3M | $142.7M | $121.4M | $109.0M | $110.0M | $96.4M | $90.3M | $84.8M |
| SG&A | $299.2M | $283.1M | $278.4M | $235.3M | $218.3M | $187.1M | $198.0M | $186.0M | $171.7M | $159.2M |
| Total operating expenses | $1.91B | $1.81B | $1.73B | $1.60B | $1.47B | $1.36B | $1.32B | $1.21B | $1.11B | $1.05B |
| Operating income | $635.0M | $568.7M | $489.4M | $480.7M | $474.6M | $398.7M | $380.6M | $347.3M | $357.5M | $341.7M |
| Interest expense | $17.8M | $17.3M | $8.6M | $6.1M | $2.4M | $1.1M | $688.0K | $926.0K | $1.9M | $996.0K |
| Pre-tax income | $652.8M | $586.0M | $498.0M | $474.6M | $472.3M | $397.7M | $381.1M | $347.2M | $356.2M | $341.0M |
| Income tax | $150.0M | $130.3M | $116.2M | $107.9M | $109.4M | $86.3M | $84.4M | $75.3M | $8.9M | $111.4M |
| Net income | $502.8M | $455.7M | $381.8M | $366.6M | $362.9M | $311.5M | $296.7M | $271.9M | $365.0M | $229.6M |
| EPS, basic | 7.00 | 6.25 | 5.24 | 5.03 | 4.95 | 4.12 | 3.86 | 3.52 | 4.73 | 2.95 |
| EPS, diluted | 6.98 | 6.24 | 5.23 | 5.02 | 4.94 | 4.12 | 3.86 | 3.52 | 4.70 | 2.93 |
| Shares, diluted (wtd. avg.) | $72.0M | $73.0M | $73.0M | $73.1M | $73.5M | $75.7M | $76.9M | $77.3M | $77.6M | $78.3M |
Balance sheet
| Fiscal year | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $12.1M | $102.0M | $38.3M | $12.2M | $48.8M | $51.0M | $213.3M | $93.6M | $31.4M | $114.8M |
| Receivables | $349.1M | $318.0M | $333.0M | $361.3M | $348.1M | $306.6M | $300.9M | $310.1M | $297.3M | $276.9M |
| Total current assets | $649.1M | $681.5M | $632.0M | $628.0M | $613.5M | $543.7M | $669.1M | $569.4M | $470.7M | $520.0M |
| Property, plant and equipment | $220.5M | $221.0M | $215.1M | $205.7M | $211.7M | $252.5M | $273.4M | $272.5M | $285.6M | $282.9M |
| Goodwill | $827.7M | $804.8M | $804.8M | $804.8M | $687.5M | $687.5M | $686.3M | $666.9M | $649.9M | $552.5M |
| Total assets | $3.15B | $3.04B | $2.92B | $2.77B | $2.46B | $2.34B | $2.43B | $2.18B | $2.03B | $1.91B |
| Accounts payable | $34.9M | $28.2M | $25.3M | $19.2M | $21.0M | $18.5M | $9.9M | $9.8M | $30.4M | $6.8M |
| Short-term debt | — | $0 | $90.0M | $0 | — | — | — | $0 | $0 | $0 |
| Total current liabilities | $556.2M | $535.8M | $633.8M | $523.8M | $543.8M | $520.9M | $494.8M | $470.0M | $448.1M | $471.2M |
| Long-term debt | $40.0M | $0 | $60.0M | $275.0M | $115.0M | — | — | $0 | $0 | — |
| Total liabilities | $1.09B | $913.1M | $1.08B | $1.17B | $1.07B | $1.02B | $878.8M | $755.8M | $710.2M | $876.9M |
| Retained earnings | $3.71B | $3.37B | $3.08B | $2.86B | $2.64B | $2.41B | $2.24B | $2.07B | $1.91B | $1.59B |
| Total equity | $2.05B | $2.13B | $1.84B | $1.61B | $1.38B | $1.32B | $1.55B | $1.43B | $1.32B | $1.10B |
Cash flow
| Fiscal year | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $762.0M | $641.5M | $568.0M | $381.6M | $504.6M | $462.1M | $510.5M | $431.1M | $412.1M | $357.3M |
| Depreciation and amortisation | $42.1M | $43.7M | $46.3M | $48.7M | $50.8M | $52.5M | $52.2M | $47.4M | $48.0M | $49.7M |
| Stock-based compensation | $32.5M | $28.4M | $28.9M | $28.6M | $24.8M | $20.7M | $16.9M | $12.6M | $11.8M | $11.1M |
| Capital expenditure | $67.1M | $53.4M | $58.1M | $39.2M | $34.7M | $23.0M | $53.5M | $53.6M | $40.1M | $41.9M |
| Investing cash flow | -$277.7M | -$232.2M | -$240.2M | -$409.7M | -$196.3M | -$162.2M | -$197.9M | -$190.6M | -$291.8M | -$141.6M |
| Financing cash flow | -$574.1M | -$345.7M | -$301.8M | -$8.4M | -$310.5M | -$462.2M | -$192.9M | -$178.3M | -$203.6M | -$171.3M |
| Dividends paid | $170.4M | $164.6M | $155.9M | $147.2M | $139.1M | $133.8M | $127.4M | $118.7M | $105.0M | $91.7M |
| Buybacks | $448.2M | $35.1M | $28.1M | $25.0M | $193.9M | $431.5M | $71.5M | $54.9M | $49.0M | $130.1M |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000779152-26-000067.
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