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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 16.07
JKHY's Cash to Debt is ranked higher than
75% of the 959 Companies
in the Global Business Services industry.

( Industry Median: 1.72 vs. JKHY: 16.07 )
JKHY' s 10-Year Cash to Debt Range
Min: 0.09   Max: No Debt
Current: 16.07

Equity to Asset 0.72
JKHY's Equity to Asset is ranked higher than
85% of the 937 Companies
in the Global Business Services industry.

( Industry Median: 0.49 vs. JKHY: 0.72 )
JKHY' s 10-Year Equity to Asset Range
Min: 0.48   Max: 0.77
Current: 0.72

0.48
0.77
Interest Coverage 41.90
JKHY's Interest Coverage is ranked higher than
69% of the 675 Companies
in the Global Business Services industry.

( Industry Median: 21.89 vs. JKHY: 41.90 )
JKHY' s 10-Year Interest Coverage Range
Min: 24.22   Max: 9999.99
Current: 41.9

24.22
9999.99
F-Score: 8
Z-Score: 8.69
M-Score: -2.68
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 : 10/10

vs
industry
vs
history
Operating margin (%) 23.51
JKHY's Operating margin (%) is ranked higher than
92% of the 950 Companies
in the Global Business Services industry.

( Industry Median: 7.12 vs. JKHY: 23.51 )
JKHY' s 10-Year Operating margin (%) Range
Min: 19.1   Max: 28.4
Current: 23.51

19.1
28.4
Net-margin (%) 15.64
JKHY's Net-margin (%) is ranked higher than
89% of the 950 Companies
in the Global Business Services industry.

( Industry Median: 4.59 vs. JKHY: 15.64 )
JKHY' s 10-Year Net-margin (%) Range
Min: 12.21   Max: 17.35
Current: 15.64

12.21
17.35
ROE (%) 16.48
JKHY's ROE (%) is ranked higher than
83% of the 919 Companies
in the Global Business Services industry.

( Industry Median: 10.28 vs. JKHY: 16.48 )
JKHY' s 10-Year ROE (%) Range
Min: 13.53   Max: 33.71
Current: 16.48

13.53
33.71
ROA (%) 10.84
JKHY's ROA (%) is ranked higher than
89% of the 965 Companies
in the Global Business Services industry.

( Industry Median: 4.48 vs. JKHY: 10.84 )
JKHY' s 10-Year ROA (%) Range
Min: 7.55   Max: 21.68
Current: 10.84

7.55
21.68
ROC (Joel Greenblatt) (%) 88.37
JKHY's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 960 Companies
in the Global Business Services industry.

( Industry Median: 33.29 vs. JKHY: 88.37 )
JKHY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 33.09   Max: 124.68
Current: 88.37

33.09
124.68
Revenue Growth (%) 10.00
JKHY's Revenue Growth (%) is ranked higher than
80% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 6.20 vs. JKHY: 10.00 )
JKHY' s 10-Year Revenue Growth (%) Range
Min: 10   Max: 41.2
Current: 10

10
41.2
EBITDA Growth (%) 12.50
JKHY's EBITDA Growth (%) is ranked higher than
77% of the 605 Companies
in the Global Business Services industry.

( Industry Median: 8.30 vs. JKHY: 12.50 )
JKHY' s 10-Year EBITDA Growth (%) Range
Min: 6.5   Max: 40.8
Current: 12.5

6.5
40.8
EPS Growth (%) 13.90
JKHY's EPS Growth (%) is ranked higher than
76% of the 579 Companies
in the Global Business Services industry.

( Industry Median: 7.80 vs. JKHY: 13.90 )
JKHY' s 10-Year EPS Growth (%) Range
Min: 3.7   Max: 38.1
Current: 13.9

3.7
38.1
» JKHY's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

JKHY Guru Trades in Q1 2013

Jim Simons 342,500 sh (+43.71%)
Chuck Royce 1,872,740 sh (+0.07%)
Columbia Wanger 757,200 sh (unchged)
Steven Cohen Sold Out
John Keeley 16,110 sh (-0.74%)
Jeremy Grantham 50,800 sh (-17.8%)
Joel Greenblatt 8,990 sh (-79.66%)
» More
Q2 2013

JKHY Guru Trades in Q2 2013

Jeremy Grantham 52,900 sh (+4.13%)
Columbia Wanger 757,200 sh (unchged)
John Keeley 16,110 sh (unchged)
Chuck Royce 1,824,640 sh (-2.57%)
Jim Simons 332,700 sh (-2.86%)
Joel Greenblatt 8,113 sh (-9.76%)
» More
Q3 2013

JKHY Guru Trades in Q3 2013

Paul Tudor Jones 10,100 sh (New)
Steven Cohen 7,107 sh (New)
Joel Greenblatt 30,282 sh (+273.25%)
Jim Simons 397,800 sh (+19.57%)
Chuck Royce 1,831,340 sh (+0.37%)
Columbia Wanger 757,200 sh (unchged)
John Keeley Sold Out
Jeremy Grantham 36,400 sh (-31.19%)
» More
Q4 2013

JKHY Guru Trades in Q4 2013

John Keeley 3,810 sh (New)
Jim Simons 532,700 sh (+33.91%)
Columbia Wanger 757,200 sh (unchged)
Paul Tudor Jones Sold Out
Joel Greenblatt Sold Out
Jeremy Grantham 35,568 sh (-2.29%)
Chuck Royce 1,636,940 sh (-10.62%)
Steven Cohen 5,300 sh (-25.43%)
» More
» Details

Insider Trades

Latest Guru Trades with JKHY

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2013-12-31 Sold Out 0.05%$50.93 - $58.91 $ 55.2-1%0
John Keeley 2013-12-31 New Buy$50.93 - $58.91 $ 55.2-1%3810
Joel Greenblatt 2013-09-30 Add 273.25%0.04%$47.24 - $51.87 $ 55.211%30282
John Keeley 2013-09-30 Sold Out 0.02%$47.24 - $51.87 $ 55.211%0
Joel Greenblatt 2013-03-31 Reduce -79.66%0.08%$39.26 - $46.21 $ 55.228%8990
Joel Greenblatt 2012-12-31 Add 258.86%0.07%$37.44 - $39.83 $ 55.243%44197
Joel Greenblatt 2012-09-30 Reduce -45.77%0.03%$34.32 - $38.1 $ 55.253%12316
Joel Greenblatt 2012-03-31 Add 64.67%0.03%$32.59 - $35.19 $ 55.273%24149
Ray Dalio 2012-03-31 Sold Out 0.01%$32.59 - $35.19 $ 55.273%0
Ray Dalio 2011-12-31 Reduce -97.59%0.17%$27.57 - $34.21 $ 55.272%9740
John Keeley 2011-12-31 Add 26.32%$27.57 - $34.21 $ 55.272%16320
Joel Greenblatt 2011-06-30 New Buy0.06%$28.83 - $33.99 $ 55.276%13818
David Dreman 2011-03-31 Sold Out 0.69%$29.15 - $33.74 $ 55.278%0
John Keeley 2011-03-31 Add 25.78%$29.15 - $33.74 $ 55.278%11220
Premium More recent guru trades are included for Premium Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 24.30
JKHY's P/E(ttm) is ranked higher than
56% of the 766 Companies
in the Global Business Services industry.

( Industry Median: 20.70 vs. JKHY: 24.30 )
JKHY' s 10-Year P/E(ttm) Range
Min: 12.62   Max: 35.91
Current: 24.3

12.62
35.91
P/B 4.00
JKHY's P/B is ranked lower than
59% of the 899 Companies
in the Global Business Services industry.

( Industry Median: 2.50 vs. JKHY: 4.00 )
JKHY' s 10-Year P/B Range
Min: 2.06   Max: 4.77
Current: 4

2.06
4.77
P/S 4.00
JKHY's P/S is ranked lower than
78% of the 948 Companies
in the Global Business Services industry.

( Industry Median: 1.32 vs. JKHY: 4.00 )
JKHY' s 10-Year P/S Range
Min: 1.71   Max: 4.57
Current: 4

1.71
4.57
EV-to-EBIT 15.60
JKHY's EV-to-EBIT is ranked higher than
59% of the 843 Companies
in the Global Business Services industry.

( Industry Median: 15.40 vs. JKHY: 15.60 )
JKHY' s 10-Year EV-to-EBIT Range
Min: 8.2   Max: 22.1
Current: 15.6

8.2
22.1
PEG 1.80
JKHY's PEG is ranked higher than
62% of the 457 Companies
in the Global Business Services industry.

( Industry Median: 2.16 vs. JKHY: 1.80 )
JKHY' s 10-Year PEG Range
Min: 0.84   Max: 2.61
Current: 1.8

0.84
2.61
Shiller P/E 32.20
JKHY's Shiller P/E is ranked higher than
50% of the 469 Companies
in the Global Business Services industry.

( Industry Median: 24.20 vs. JKHY: 32.20 )
JKHY' s 10-Year Shiller P/E Range
Min: 14.51   Max: 41
Current: 32.2

14.51
41

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.50
JKHY's Dividend Yield is ranked lower than
68% of the 638 Companies
in the Global Business Services industry.

( Industry Median: 2.19 vs. JKHY: 1.50 )
JKHY' s 10-Year Dividend Yield Range
Min: 0.64   Max: 2.09
Current: 1.5

0.64
2.09
Dividend Payout 0.32
JKHY's Dividend Payout is ranked higher than
69% of the 552 Companies
in the Global Business Services industry.

( Industry Median: 0.40 vs. JKHY: 0.32 )
JKHY' s 10-Year Dividend Payout Range
Min: 0.15   Max: 0.92
Current: 0.32

0.15
0.92
Dividend growth (3y) 15.90
JKHY's Dividend growth (3y) is ranked higher than
84% of the 345 Companies
in the Global Business Services industry.

( Industry Median: 8.70 vs. JKHY: 15.90 )
JKHY' s 10-Year Dividend growth (3y) Range
Min: 9.4   Max: 22.4
Current: 15.9

9.4
22.4
Yield on cost (5-Year) 2.90
JKHY's Yield on cost (5-Year) is ranked higher than
58% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 2.64 vs. JKHY: 2.90 )
JKHY' s 10-Year Yield on cost (5-Year) Range
Min: 1.24   Max: 4.04
Current: 2.9

1.24
4.04
Share Buyback Rate -0.50
JKHY's Share Buyback Rate is ranked higher than
77% of the 673 Companies
in the Global Business Services industry.

( Industry Median: -0.70 vs. JKHY: -0.50 )
JKHY' s 10-Year Share Buyback Rate Range
Min: 3.3   Max: -4.6
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 15.20
JKHY's Price/Tangible Book is ranked lower than
80% of the 678 Companies
in the Global Business Services industry.

( Industry Median: 3.60 vs. JKHY: 15.20 )
JKHY' s 10-Year Price/Tangible Book Range
Min: 3.07   Max: 282.42
Current: 15.2

3.07
282.42
Price/DCF (Projected) 1.40
JKHY's Price/DCF (Projected) is ranked higher than
62% of the 514 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. JKHY: 1.40 )
JKHY' s 10-Year Price/DCF (Projected) Range
Min: 0.77   Max: 13.03
Current: 1.4

0.77
13.03
Price/Median PS Value 1.30
JKHY's Price/Median PS Value is ranked lower than
53% of the 897 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. JKHY: 1.30 )
JKHY' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 3.03
Current: 1.3

0.6
3.03
Price/Peter Lynch Fair Value 1.90
JKHY's Price/Peter Lynch Fair Value is ranked higher than
51% of the 230 Companies
in the Global Business Services industry.

( Industry Median: 1.40 vs. JKHY: 1.90 )
JKHY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.84   Max: 2.51
Current: 1.9

0.84
2.51
Price/Graham Number 4.00
JKHY's Price/Graham Number is ranked lower than
67% of the 567 Companies
in the Global Business Services industry.

( Industry Median: 1.80 vs. JKHY: 4.00 )
JKHY' s 10-Year Price/Graham Number Range
Min: 1.58   Max: 16.95
Current: 4

1.58
16.95
Earnings Yield (Greenblatt) 6.40
JKHY's Earnings Yield (Greenblatt) is ranked higher than
63% of the 848 Companies
in the Global Business Services industry.

( Industry Median: 6.60 vs. JKHY: 6.40 )
JKHY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.5   Max: 12.3
Current: 6.4

4.5
12.3
Forward Rate of Return (Yacktman) 15.87
JKHY's Forward Rate of Return (Yacktman) is ranked higher than
85% of the 660 Companies
in the Global Business Services industry.

( Industry Median: 6.90 vs. JKHY: 15.87 )
JKHY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 12   Max: 21.6
Current: 15.87

12
21.6

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.

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