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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.68
JKHY's Cash to Debt is ranked lower than
61% of the 734 Companies
in the Global Business Services industry.

( Industry Median: 1.75 vs. JKHY: 0.68 )
Ranked among companies with meaningful Cash to Debt only.
JKHY' s 10-Year Cash to Debt Range
Min: 0.09  Med: 8.36 Max: No Debt
Current: 0.68
Equity to Asset 0.59
JKHY's Equity to Asset is ranked higher than
63% of the 687 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. JKHY: 0.59 )
Ranked among companies with meaningful Equity to Asset only.
JKHY' s 10-Year Equity to Asset Range
Min: 0.48  Med: 0.68 Max: 0.77
Current: 0.59
0.48
0.77
Interest Coverage 260.90
JKHY's Interest Coverage is ranked higher than
62% of the 491 Companies
in the Global Business Services industry.

( Industry Median: 42.21 vs. JKHY: 260.90 )
Ranked among companies with meaningful Interest Coverage only.
JKHY' s 10-Year Interest Coverage Range
Min: 24.22  Med: 116.35 Max: 9999.99
Current: 260.9
24.22
9999.99
F-Score: 7
Z-Score: 7.57
M-Score: -3.07
WACC vs ROIC
8.20%
21.16%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating margin (%) 25.16
JKHY's Operating margin (%) is ranked higher than
91% of the 730 Companies
in the Global Business Services industry.

( Industry Median: 5.29 vs. JKHY: 25.16 )
Ranked among companies with meaningful Operating margin (%) only.
JKHY' s 10-Year Operating margin (%) Range
Min: 19.1  Med: 22.64 Max: 28.4
Current: 25.16
19.1
28.4
Net-margin (%) 16.42
JKHY's Net-margin (%) is ranked higher than
86% of the 733 Companies
in the Global Business Services industry.

( Industry Median: 3.74 vs. JKHY: 16.42 )
Ranked among companies with meaningful Net-margin (%) only.
JKHY' s 10-Year Net-margin (%) Range
Min: 12.21  Med: 14.74 Max: 16.52
Current: 16.42
12.21
16.52
ROE (%) 20.76
JKHY's ROE (%) is ranked higher than
81% of the 701 Companies
in the Global Business Services industry.

( Industry Median: 8.08 vs. JKHY: 20.76 )
Ranked among companies with meaningful ROE (%) only.
JKHY' s 10-Year ROE (%) Range
Min: 13.99  Med: 17.25 Max: 39.47
Current: 20.76
13.99
39.47
ROA (%) 12.61
JKHY's ROA (%) is ranked higher than
89% of the 745 Companies
in the Global Business Services industry.

( Industry Median: 3.47 vs. JKHY: 12.61 )
Ranked among companies with meaningful ROA (%) only.
JKHY' s 10-Year ROA (%) Range
Min: 8.97  Med: 10.41 Max: 24.98
Current: 12.61
8.97
24.98
ROC (Joel Greenblatt) (%) 105.38
JKHY's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 728 Companies
in the Global Business Services industry.

( Industry Median: 23.19 vs. JKHY: 105.38 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
JKHY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 34.18  Med: 67.25 Max: 186.44
Current: 105.38
34.18
186.44
Revenue Growth (3Y)(%) 7.20
JKHY's Revenue Growth (3Y)(%) is ranked higher than
60% of the 559 Companies
in the Global Business Services industry.

( Industry Median: 4.70 vs. JKHY: 7.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
JKHY' s 10-Year Revenue Growth (3Y)(%) Range
Min: 7.2  Med: 11.70 Max: 35.6
Current: 7.2
7.2
35.6
EBITDA Growth (3Y)(%) 9.40
JKHY's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 464 Companies
in the Global Business Services industry.

( Industry Median: 5.20 vs. JKHY: 9.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
JKHY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 6.5  Med: 13.65 Max: 31.3
Current: 9.4
6.5
31.3
EPS Growth (3Y)(%) 11.30
JKHY's EPS Growth (3Y)(%) is ranked higher than
59% of the 421 Companies
in the Global Business Services industry.

( Industry Median: 6.20 vs. JKHY: 11.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
JKHY' s 10-Year EPS Growth (3Y)(%) Range
Min: 3.7  Med: 12.50 Max: 31.9
Current: 11.3
3.7
31.9
» JKHY's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

JKHY Guru Trades in Q2 2014

Jeremy Grantham 148,700 sh (+38.20%)
Jim Simons 698,000 sh (+1.75%)
John Keeley 3,810 sh (unchged)
Columbia Wanger 761,200 sh (unchged)
Paul Tudor Jones Sold Out
Chuck Royce 1,389,740 sh (-9.32%)
Joel Greenblatt 55,347 sh (-49.56%)
» More
Q3 2014

JKHY Guru Trades in Q3 2014

Joel Greenblatt 589,017 sh (+964.23%)
Jim Simons 1,043,719 sh (+49.53%)
John Keeley 3,810 sh (unchged)
Columbia Wanger Sold Out
Jeremy Grantham 140,108 sh (-5.78%)
Chuck Royce 1,130,640 sh (-18.64%)
» More
Q4 2014

JKHY Guru Trades in Q4 2014

John Keeley 3,520 sh (-7.61%)
Chuck Royce 1,012,140 sh (-10.48%)
Jim Simons 910,319 sh (-12.78%)
Jeremy Grantham 120,288 sh (-14.15%)
Joel Greenblatt 130,811 sh (-77.79%)
» More
Q1 2015

JKHY Guru Trades in Q1 2015

Ray Dalio 4,704 sh (New)
Chuck Royce 1,017,040 sh (+0.48%)
John Keeley 3,520 sh (unchged)
Jeremy Grantham 105,490 sh (-12.30%)
Jim Simons 578,400 sh (-36.46%)
Joel Greenblatt 25,197 sh (-80.74%)
» More
» Details

Insider Trades

Latest Guru Trades with JKHY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 28.53
JKHY's P/E(ttm) is ranked lower than
68% of the 511 Companies
in the Global Business Services industry.

( Industry Median: 20.90 vs. JKHY: 28.53 )
Ranked among companies with meaningful P/E(ttm) only.
JKHY' s 10-Year P/E(ttm) Range
Min: 12.62  Med: 21.20 Max: 29.35
Current: 28.53
12.62
29.35
Forward P/E 24.21
JKHY's Forward P/E is ranked lower than
85% of the 257 Companies
in the Global Business Services industry.

( Industry Median: 15.13 vs. JKHY: 24.21 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 28.10
JKHY's PE(NRI) is ranked lower than
68% of the 514 Companies
in the Global Business Services industry.

( Industry Median: 20.90 vs. JKHY: 28.10 )
Ranked among companies with meaningful PE(NRI) only.
JKHY' s 10-Year PE(NRI) Range
Min: 12.65  Med: 21.23 Max: 29.31
Current: 28.1
12.65
29.31
P/B 5.98
JKHY's P/B is ranked lower than
84% of the 688 Companies
in the Global Business Services industry.

( Industry Median: 2.29 vs. JKHY: 5.98 )
Ranked among companies with meaningful P/B only.
JKHY' s 10-Year P/B Range
Min: 2.06  Med: 3.35 Max: 5.98
Current: 5.98
2.06
5.98
P/S 4.53
JKHY's P/S is ranked lower than
82% of the 717 Companies
in the Global Business Services industry.

( Industry Median: 1.23 vs. JKHY: 4.53 )
Ranked among companies with meaningful P/S only.
JKHY' s 10-Year P/S Range
Min: 1.71  Med: 3.18 Max: 4.69
Current: 4.53
1.71
4.69
PFCF 25.36
JKHY's PFCF is ranked lower than
65% of the 388 Companies
in the Global Business Services industry.

( Industry Median: 19.38 vs. JKHY: 25.36 )
Ranked among companies with meaningful PFCF only.
JKHY' s 10-Year PFCF Range
Min: 10.28  Med: 19.32 Max: 47.34
Current: 25.36
10.28
47.34
POCF 16.14
JKHY's POCF is ranked lower than
57% of the 497 Companies
in the Global Business Services industry.

( Industry Median: 13.80 vs. JKHY: 16.14 )
Ranked among companies with meaningful POCF only.
JKHY' s 10-Year POCF Range
Min: 7.36  Med: 13.13 Max: 19.09
Current: 16.14
7.36
19.09
EV-to-EBIT 18.41
JKHY's EV-to-EBIT is ranked lower than
62% of the 540 Companies
in the Global Business Services industry.

( Industry Median: 14.87 vs. JKHY: 18.41 )
Ranked among companies with meaningful EV-to-EBIT only.
JKHY' s 10-Year EV-to-EBIT Range
Min: 7.9  Med: 13.90 Max: 18.9
Current: 18.41
7.9
18.9
PEG 2.42
JKHY's PEG is ranked lower than
54% of the 228 Companies
in the Global Business Services industry.

( Industry Median: 2.22 vs. JKHY: 2.42 )
Ranked among companies with meaningful PEG only.
JKHY' s 10-Year PEG Range
Min: 0.84  Med: 1.86 Max: 2.71
Current: 2.42
0.84
2.71
Shiller P/E 36.63
JKHY's Shiller P/E is ranked lower than
72% of the 343 Companies
in the Global Business Services industry.

( Industry Median: 23.86 vs. JKHY: 36.63 )
Ranked among companies with meaningful Shiller P/E only.
JKHY' s 10-Year Shiller P/E Range
Min: 14.51  Med: 26.89 Max: 36.63
Current: 36.63
14.51
36.63
Current Ratio 1.02
JKHY's Current Ratio is ranked lower than
81% of the 698 Companies
in the Global Business Services industry.

( Industry Median: 1.57 vs. JKHY: 1.02 )
Ranked among companies with meaningful Current Ratio only.
JKHY' s 10-Year Current Ratio Range
Min: 0.69  Med: 1.18 Max: 2.34
Current: 1.02
0.69
2.34
Quick Ratio 1.02
JKHY's Quick Ratio is ranked lower than
74% of the 698 Companies
in the Global Business Services industry.

( Industry Median: 1.43 vs. JKHY: 1.02 )
Ranked among companies with meaningful Quick Ratio only.
JKHY' s 10-Year Quick Ratio Range
Min: 0.69  Med: 1.18 Max: 2.34
Current: 1.02
0.69
2.34
Days Sales Outstanding 40.53
JKHY's Days Sales Outstanding is ranked higher than
67% of the 606 Companies
in the Global Business Services industry.

( Industry Median: 56.12 vs. JKHY: 40.53 )
Ranked among companies with meaningful Days Sales Outstanding only.
JKHY' s 10-Year Days Sales Outstanding Range
Min: 68.59  Med: 104.89 Max: 142.99
Current: 40.53
68.59
142.99

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.34
JKHY's Dividend Yield is ranked lower than
75% of the 691 Companies
in the Global Business Services industry.

( Industry Median: 2.14 vs. JKHY: 1.34 )
Ranked among companies with meaningful Dividend Yield only.
JKHY' s 10-Year Dividend Yield Range
Min: 0.75  Med: 1.24 Max: 2.09
Current: 1.34
0.75
2.09
Dividend Payout 0.34
JKHY's Dividend Payout is ranked higher than
63% of the 433 Companies
in the Global Business Services industry.

( Industry Median: 0.43 vs. JKHY: 0.34 )
Ranked among companies with meaningful Dividend Payout only.
JKHY' s 10-Year Dividend Payout Range
Min: 0.15  Med: 0.24 Max: 0.92
Current: 0.34
0.15
0.92
Dividend growth (3y) 28.10
JKHY's Dividend growth (3y) is ranked higher than
82% of the 248 Companies
in the Global Business Services industry.

( Industry Median: 7.70 vs. JKHY: 28.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
JKHY' s 10-Year Dividend growth (3y) Range
Min: 9.4  Med: 16.45 Max: 28.1
Current: 28.1
9.4
28.1
Yield on cost (5-Year) 3.27
JKHY's Yield on cost (5-Year) is ranked higher than
60% of the 703 Companies
in the Global Business Services industry.

( Industry Median: 2.66 vs. JKHY: 3.27 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
JKHY' s 10-Year Yield on cost (5-Year) Range
Min: 1.83  Med: 3.02 Max: 5.09
Current: 3.27
1.83
5.09
Share Buyback Rate 0.50
JKHY's Share Buyback Rate is ranked higher than
81% of the 453 Companies
in the Global Business Services industry.

( Industry Median: -1.40 vs. JKHY: 0.50 )
Ranked among companies with meaningful Share Buyback Rate only.
JKHY' s 10-Year Share Buyback Rate Range
Min: 3.3  Med: -0.35 Max: -4.6
Current: 0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 86.53
JKHY's Price/Tangible Book is ranked lower than
99% of the 545 Companies
in the Global Business Services industry.

( Industry Median: 2.83 vs. JKHY: 86.53 )
Ranked among companies with meaningful Price/Tangible Book only.
JKHY' s 10-Year Price/Tangible Book Range
Min: 3.07  Med: 12.18 Max: 282.42
Current: 86.53
3.07
282.42
Price/Projected FCF 1.75
JKHY's Price/Projected FCF is ranked lower than
65% of the 375 Companies
in the Global Business Services industry.

( Industry Median: 1.37 vs. JKHY: 1.75 )
Ranked among companies with meaningful Price/Projected FCF only.
JKHY' s 10-Year Price/Projected FCF Range
Min: 0.77  Med: 1.52 Max: 13.03
Current: 1.75
0.77
13.03
Price/DCF (Earnings Based) 1.72
JKHY's Price/DCF (Earnings Based) is ranked lower than
63% of the 59 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. JKHY: 1.72 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.47
JKHY's Price/Median PS Value is ranked lower than
67% of the 657 Companies
in the Global Business Services industry.

( Industry Median: 1.14 vs. JKHY: 1.47 )
Ranked among companies with meaningful Price/Median PS Value only.
JKHY' s 10-Year Price/Median PS Value Range
Min: 0.59  Med: 1.18 Max: 3.03
Current: 1.47
0.59
3.03
Price/Peter Lynch Fair Value 2.68
JKHY's Price/Peter Lynch Fair Value is ranked lower than
76% of the 166 Companies
in the Global Business Services industry.

( Industry Median: 1.54 vs. JKHY: 2.68 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
JKHY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.81  Med: 1.78 Max: 2.67
Current: 2.68
0.81
2.67
Price/Graham Number 10.34
JKHY's Price/Graham Number is ranked lower than
96% of the 383 Companies
in the Global Business Services industry.

( Industry Median: 1.71 vs. JKHY: 10.34 )
Ranked among companies with meaningful Price/Graham Number only.
JKHY' s 10-Year Price/Graham Number Range
Min: 1.58  Med: 3.53 Max: 16.95
Current: 10.34
1.58
16.95
Earnings Yield (Greenblatt) (%) 5.44
JKHY's Earnings Yield (Greenblatt) (%) is ranked higher than
54% of the 719 Companies
in the Global Business Services industry.

( Industry Median: 4.90 vs. JKHY: 5.44 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
JKHY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.3  Med: 7.20 Max: 12.7
Current: 5.44
5.3
12.7
Forward Rate of Return (Yacktman) (%) 13.91
JKHY's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 358 Companies
in the Global Business Services industry.

( Industry Median: 11.29 vs. JKHY: 13.91 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
JKHY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 12.2  Med: 15.90 Max: 22.5
Current: 13.91
12.2
22.5

Analyst Estimate

Jun15 Jun16
Revenue(Mil) 1,283 1,383
EPS($) 2.61 2.90
EPS without NRI($) 2.61 2.90

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Traded in other countries:JHY.Germany,
Jack Henry & Associates, Inc was founded in 1976. The Company is a provider of core information processing solutions for community banks. Its products and services include processing transactions, automating business processes, and managing information for more than 11,300 financial institutions and diverse corporate entities. It provides its products and services through three marketed brands: Jack Henry Banking is a provider of integrated data processing systems to more than 1,300 banks ranging from community institutions to mid-tier banks with assets of up to $30 billion. Its banking solutions support both in-house and outsourced operating environments with three functionally distinct core processing platforms and more than 100 integrated complementary solutions. Symitar is a provider of core data processing solutions for credit unions of all sizes, with over 760 credit union customers. Symitar markets two functionally distinct core processing platforms and more than 50 integrated complementary solutions that support both in-house and outsourced operating environments. ProfitStars is a provider of specialized products and services to financial institutions that are mainly not core customers of the Company. ProfitStars offers specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions. ProfitStars' products and services enhance the performance of financial services organizations of all asset sizes and charters, and diverse corporate entities with approximately 11,000 domestic and international customers. The Company operates through two reportable segments: bank systems and services and credit union systems and services. The respective segments include all related license, support and service, and hardware sales along with the related cost of sales. The Company competes with large vendors that provide information and transaction processing solutions to banks and credit unions, including Fidelity National Information Services, Inc.; Fiserv, Inc.; Open Solutions, Inc.; and Harland Financial Solutions - Ultradata. The financial services industry is subject to extensive and complex federal and state regulation.
» More Articles for JKHY

Headlines

Articles On GuruFocus.com
The Best Way to Judge Past Performance: Part Two Jul 01 2015 
Primatics Financial to Integrate Their Solutions for Banks With Jack Henry & Associates' SilverLake Oct 15 2014 
Two Companies Raising Dividends for Over 50 years Announce Dividend Hikes Feb 13 2012 
Jack Henry & Associates Inc. (JKHY) DIRECTOR & CHAIRMAN Michael E Henry sells 100,000 Shares Feb 10 2011 
Jack Henry & Associates Inc. Reports Operating Results (10-Q) Feb 04 2011 
Jack Henry & Associates Inc. (JKHY) VICE PRESIDENT & CTO Mark S Forbis sells 2,800 Shares Dec 03 2010 
Jack Henry & Associates Inc. (JKHY) DIRECTOR & CHAIRMAN Michael E Henry sells 100,000 Shares Nov 05 2010 
Jack Henry & Associates Inc. Reports Operating Results (10-Q) Nov 05 2010 
Jack Henry & Associates Inc. Reports Operating Results (10-K) Aug 27 2010 
Jack Henry & Associates Inc. (JKHY) DIRECTOR Jerry D Hall sells 105,076 Shares Jun 24 2010 

More From Other Websites
Jack Henry & Associates Named Market Share Leader in Remote Deposit Capture Jul 23 2015
Jack Henry & Associates Acquires Bayside Business Solutions Jul 01 2015
ProfitStars Introduces Call Report Pro CU Jul 01 2015
10-Q for Jack Henry & Associates, Inc. Jun 27 2015
HENRY JACK & ASSOCIATES INC Files SEC form 10-Q/A, Quarterly Report Jun 25 2015
HENRY JACK & ASSOCIATES INC Files SEC form 10-K/A, Annual Report Jun 25 2015
F.C.I. Federal Credit Union Selects Symitar's CruiseNet Core System Jun 23 2015
Suncoast Credit Union Converts to Symitar Jun 18 2015
ProfitStars' Banno Mobile Named a Leader by IDC MarketScape Jun 17 2015
Jack Henry & Associates Named a Best Place to Work in Kentucky Jun 10 2015
APCI Federal Credit Union Selects Symitar Jun 09 2015
Isabella Bank Leverages Jack Henry Banking's jhaEnterprise Workflow Solution to Enhance Efficiency,... May 27 2015
HENRY JACK & ASSOCIATES INC Files SEC form 8-K, Notice of Delisting or Failure to Satisfy a... May 22 2015
Jack Henry & Associates Receives NASDAQ Letter May 22 2015
ProfitStars Announces Remote Deposit Anywhere Milestone May 12 2015
Jack Henry & Associates to Deliver Best-in-Class solution to Mobilize Bank Branches with Surface Pro... May 11 2015
Jack Henry & Associates Announces Regular Quarterly Dividend May 11 2015
SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Jack Henry &... May 07 2015
Jack Henry & Associates Inc Earnings Call scheduled for 8:45 am ET today May 07 2015
HENRY JACK & ASSOCIATES INC Files SEC form 8-K, Results of Operations and Financial Condition,... May 07 2015

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