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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
62% of the 742 Companies
in the Global Business Services industry.

( Industry Median: 1.74 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
64% of the 691 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
61% of the 495 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: 7.52
M-Score: -3.07
WACC vs ROIC
8.25%
22.86%
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 (%) 25.30
JKHY's Operating margin (%) is ranked higher than
90% of the 737 Companies
in the Global Business Services industry.

( Industry Median: 5.30 vs. JKHY: 25.30 )
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: 25.3
19.1
28.4
Net-margin (%) 16.81
JKHY's Net-margin (%) is ranked higher than
86% of the 739 Companies
in the Global Business Services industry.

( Industry Median: 3.77 vs. JKHY: 16.81 )
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: 16.81
12.21
16.52
ROE (%) 22.13
JKHY's ROE (%) is ranked higher than
82% of the 705 Companies
in the Global Business Services industry.

( Industry Median: 8.38 vs. JKHY: 22.13 )
Ranked among companies with meaningful ROE (%) only.
JKHY' s 10-Year ROE (%) Range
Min: 13.99  Med: 17.25 Max: 39.47
Current: 22.13
13.99
39.47
ROA (%) 12.61
JKHY's ROA (%) is ranked higher than
88% of the 751 Companies
in the Global Business Services industry.

( Industry Median: 3.56 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) (%) 119.07
JKHY's ROC (Joel Greenblatt) (%) is ranked higher than
79% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 23.67 vs. JKHY: 119.07 )
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: 119.07
34.18
186.44
Revenue Growth (3Y)(%) 7.20
JKHY's Revenue Growth (3Y)(%) is ranked higher than
60% of the 569 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
59% of the 464 Companies
in the Global Business Services industry.

( Industry Median: 5.60 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
58% of the 426 Companies
in the Global Business Services industry.

( Industry Median: 6.30 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

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
Q2 2015

JKHY Guru Trades in Q2 2015

Joel Greenblatt 251,086 sh (+896.49%)
John Keeley 3,520 sh (unchged)
Ray Dalio Sold Out
Chuck Royce 892,740 sh (-12.22%)
Jeremy Grantham 87,790 sh (-16.78%)
Jim Simons 380,000 sh (-34.30%)
» 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

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Ratios

vs
industry
vs
history
P/E(ttm) 27.80
JKHY's P/E(ttm) is ranked lower than
68% of the 524 Companies
in the Global Business Services industry.

( Industry Median: 20.00 vs. JKHY: 27.80 )
Ranked among companies with meaningful P/E(ttm) only.
JKHY' s 10-Year P/E(ttm) Range
Min: 12.62  Med: 21.32 Max: 29.35
Current: 27.8
12.62
29.35
Forward P/E 24.04
JKHY's Forward P/E is ranked lower than
87% of the 259 Companies
in the Global Business Services industry.

( Industry Median: 14.93 vs. JKHY: 24.04 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 27.80
JKHY's PE(NRI) is ranked lower than
69% of the 523 Companies
in the Global Business Services industry.

( Industry Median: 19.60 vs. JKHY: 27.80 )
Ranked among companies with meaningful PE(NRI) only.
JKHY' s 10-Year PE(NRI) Range
Min: 12.65  Med: 21.35 Max: 29.31
Current: 27.8
12.65
29.31
P/B 5.61
JKHY's P/B is ranked lower than
84% of the 679 Companies
in the Global Business Services industry.

( Industry Median: 2.08 vs. JKHY: 5.61 )
Ranked among companies with meaningful P/B only.
JKHY' s 10-Year P/B Range
Min: 2.06  Med: 3.34 Max: 6.03
Current: 5.61
2.06
6.03
P/S 4.58
JKHY's P/S is ranked lower than
83% of the 722 Companies
in the Global Business Services industry.

( Industry Median: 1.22 vs. JKHY: 4.58 )
Ranked among companies with meaningful P/S only.
JKHY' s 10-Year P/S Range
Min: 1.71  Med: 3.18 Max: 4.74
Current: 4.58
1.71
4.74
PFCF 24.74
JKHY's PFCF is ranked lower than
69% of the 398 Companies
in the Global Business Services industry.

( Industry Median: 16.74 vs. JKHY: 24.74 )
Ranked among companies with meaningful PFCF only.
JKHY' s 10-Year PFCF Range
Min: 10.28  Med: 19.35 Max: 47.34
Current: 24.74
10.28
47.34
POCF 15.74
JKHY's POCF is ranked lower than
60% of the 502 Companies
in the Global Business Services industry.

( Industry Median: 12.53 vs. JKHY: 15.74 )
Ranked among companies with meaningful POCF only.
JKHY' s 10-Year POCF Range
Min: 7.36  Med: 13.16 Max: 19.09
Current: 15.74
7.36
19.09
EV-to-EBIT 17.96
JKHY's EV-to-EBIT is ranked lower than
63% of the 544 Companies
in the Global Business Services industry.

( Industry Median: 14.14 vs. JKHY: 17.96 )
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: 17.96
7.9
18.9
PEG 2.40
JKHY's PEG is ranked lower than
58% of the 233 Companies
in the Global Business Services industry.

( Industry Median: 2.07 vs. JKHY: 2.40 )
Ranked among companies with meaningful PEG only.
JKHY' s 10-Year PEG Range
Min: 0.84  Med: 1.86 Max: 2.72
Current: 2.4
0.84
2.72
Shiller P/E 36.13
JKHY's Shiller P/E is ranked lower than
74% of the 351 Companies
in the Global Business Services industry.

( Industry Median: 22.48 vs. JKHY: 36.13 )
Ranked among companies with meaningful Shiller P/E only.
JKHY' s 10-Year Shiller P/E Range
Min: 14.51  Med: 26.94 Max: 37.48
Current: 36.13
14.51
37.48
Current Ratio 1.02
JKHY's Current Ratio is ranked lower than
80% of the 702 Companies
in the Global Business Services industry.

( Industry Median: 1.55 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
73% of the 702 Companies
in the Global Business Services industry.

( Industry Median: 1.42 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 71.30
JKHY's Days Sales Outstanding is ranked higher than
69% of the 611 Companies
in the Global Business Services industry.

( Industry Median: 57.63 vs. JKHY: 71.30 )
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: 71.3
68.59
142.99

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.37
JKHY's Dividend Yield is ranked lower than
74% of the 702 Companies
in the Global Business Services industry.

( Industry Median: 2.31 vs. JKHY: 1.37 )
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: 1.37
0.75
2.09
Dividend Payout 0.34
JKHY's Dividend Payout is ranked higher than
62% of the 441 Companies
in the Global Business Services industry.

( Industry Median: 0.42 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
83% of the 249 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) 3.31
JKHY's Yield on cost (5-Year) is ranked higher than
60% of the 722 Companies
in the Global Business Services industry.

( Industry Median: 2.73 vs. JKHY: 3.31 )
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: 3.31
1.83
5.09
Share Buyback Rate 0.50
JKHY's Share Buyback Rate is ranked higher than
82% of the 455 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 5.61
JKHY's Price/Tangible Book is ranked lower than
99% of the 540 Companies
in the Global Business Services industry.

( Industry Median: 2.72 vs. JKHY: 5.61 )
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: 5.61
3.07
282.42
Price/Projected FCF 1.72
JKHY's Price/Projected FCF is ranked lower than
65% of the 387 Companies
in the Global Business Services industry.

( Industry Median: 1.30 vs. JKHY: 1.72 )
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: 1.72
0.77
13.03
Price/DCF (Earnings Based) 1.70
JKHY's Price/DCF (Earnings Based) is ranked lower than
64% of the 58 Companies
in the Global Business Services industry.

( Industry Median: 1.39 vs. JKHY: 1.70 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.44
JKHY's Price/Median PS Value is ranked lower than
70% of the 661 Companies
in the Global Business Services industry.

( Industry Median: 1.08 vs. JKHY: 1.44 )
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: 3.02
Current: 1.44
0.59
3.02
Price/Peter Lynch Fair Value 2.63
JKHY's Price/Peter Lynch Fair Value is ranked lower than
78% of the 177 Companies
in the Global Business Services industry.

( Industry Median: 1.37 vs. JKHY: 2.63 )
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: 2.63
0.81
2.67
Price/Graham Number 10.15
JKHY's Price/Graham Number is ranked lower than
96% of the 391 Companies
in the Global Business Services industry.

( Industry Median: 1.62 vs. JKHY: 10.15 )
Ranked among companies with meaningful Price/Graham Number only.
JKHY' s 10-Year Price/Graham Number Range
Min: 1.58  Med: 3.55 Max: 16.95
Current: 10.15
1.58
16.95
Earnings Yield (Greenblatt) (%) 5.60
JKHY's Earnings Yield (Greenblatt) (%) is ranked higher than
53% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 5.20 vs. JKHY: 5.60 )
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: 5.6
5.3
12.7
Forward Rate of Return (Yacktman) (%) 13.94
JKHY's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 372 Companies
in the Global Business Services industry.

( Industry Median: 11.56 vs. JKHY: 13.94 )
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: 13.94
12.2
22.5

Analyst Estimate

Jun15 Jun16
Revenue(Mil) 1,283 1,383
EPS($) 2.64 2.86
EPS without NRI($) 2.64 2.86

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
Symitar Announces General Availability of SymXchange Aug 27 2015
Edited Transcript of JKHY earnings conference call or presentation 26-Aug-15 12:45pm GMT Aug 26 2015
Jack Henry & Associates Inc Earnings Call scheduled for 8:45 am ET today Aug 26 2015
Jack Henry beats Street 4Q forecasts Aug 25 2015
Jack Henry beats Street 4Q forecasts Aug 25 2015
Jack Henry & Associates Fiscal Year Ends With 13% Increase In Net Income Aug 25 2015
Q4 2015 Jack Henry & Associates Inc Earnings Release - After Market Close Aug 25 2015
After-hours buzz: SolarCity, Charter & more Aug 24 2015
Jack Henry & Associates Announces Regular Quarterly Dividend Aug 24 2015
Jack Henry & Associates To Provide Webcast Of Fourth Quarter And Fiscal Year End 2015 Earnings Call Aug 11 2015
Why Earnings Season Could Be Great for Jack Henry & Associates (JKHY) - Tale of the Tape Aug 10 2015
Fox Chase Bank Selects Jack Henry Banking Aug 04 2015
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

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