NAS:JKHY (USA) Also trade in: Germany

Jack Henry & Associates Inc

$ 137.34 0 (0%)
Volume: 453,671 Avg Vol (1m): 402,075
Market Cap $: 10.60 Bil Enterprise Value $: 10.60 Bil
P/E (TTM): 35.86 P/B: 7.44
Earnings Power Value 24.52
Net Current Asset Value -2.44
Tangible Book 4.02
Projected FCF 52.32
Median P/S Value 85.18
Graham Number 18.61
Peter Lynch Value 38.91
DCF (FCF Based) 37.65
DCF (Earnings Based) 73.86
1Y (-%)

Financial Strength : 8/10

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.
Current vs industry vs history
Cash-to-Debt 1.01
Cash-To-Debt ranked lower than
57.44% of 625 companies
in the Business Services industry.
Industry Max: 10000, Med: 0.97, Min: -5244.17
JKHY: 1.01
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.09, Med: 16.8, Max: 10000
Current: 1.01
0.09
10000
Equity-to-Asset 0.71
Equity-to-Asset ranked higher than
69.59% of 605 companies
in the Business Services industry.
Industry Max: 1, Med: 0.52, Min: -27
JKHY: 0.71
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.48, Med: 0.66, Max: 0.77
Current: 0.71
0.48
0.77
Debt-to-Equity 0.03
Debt-to-Equity ranked higher than
84.30% of 465 companies
in the Business Services industry.
Industry Max: 42.31, Med: 0.43, Min: 0.01
JKHY: 0.03
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0, Med: 0.07, Max: 0.51
Current: 0.03
0
0.51
Debt-to-EBITDA 0.06
Debt-to-EBITDA ranked higher than
89.43% of 454 companies
in the Business Services industry.
Industry Max: 283.3, Med: 2.25, Min: 0.01
JKHY: 0.06
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0.02, Med: 0.2, Max: 1.49
Current: 0.06
0.02
1.49
Interest Coverage 306.23
Interest Coverage ranked higher than
71.76% of 556 companies
in the Business Services industry.
Industry Max: 91653.5, Med: 19.71, Min: 0.16
JKHY: 306.23
Ranked among companies with meaningful Interest Coverage only.
Interest Coverage range over the past 10 years
Min: 24.22, Med: 155.73, Max: 365.9
Current: 306.23
24.22
365.9
Piotroski F-Score 5
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 13.93
DISTRESS
GREY
SAFE
Beneish M-Score -2.59
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 22.19%
WACC 9.4%

Profitability & Growth : 8/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 24.18
Operating Margin ranked higher than
92.54% of 617 companies
in the Business Services industry.
Industry Max: 5900, Med: 6.41, Min: -54300
JKHY: 24.18
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: 21.18, Med: 23.67, Max: 25.46
Current: 24.18
21.18
25.46
Net Margin % 18.11
Net Margin ranked higher than
94.83% of 619 companies
in the Business Services industry.
Industry Max: 19896.3, Med: 4.15, Min: -43600
JKHY: 18.11
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 13.83, Med: 15.53, Max: 24.51
Current: 18.11
13.83
24.51
ROE % 21.74
ROE ranked higher than
89.95% of 597 companies
in the Business Services industry.
Industry Max: 3571.25, Med: 8.83, Min: -6953.32
JKHY: 21.74
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 16.32, Med: 17.98, Max: 32.77
Current: 21.74
16.32
32.77
ROA % 14.57
ROA ranked higher than
94.59% of 629 companies
in the Business Services industry.
Industry Max: 51.2, Med: 3.69, Min: -448835.11
JKHY: 14.57
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 8.97, Med: 10.66, Max: 19.03
Current: 14.57
8.97
19.03
ROC (Joel Greenblatt) % 134.90
ROC (Joel Greenblatt) ranked higher than
83.55% of 620 companies
in the Business Services industry.
Industry Max: 192979.45, Med: 22.23, Min: -1020642.86
JKHY: 134.9
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: 66.56, Med: 92.3, Max: 137.93
Current: 134.9
66.56
137.93
3-Year Total Revenue Growth Rate 6.90
3-Year Revenue Growth Rate ranked higher than
70.49% of 549 companies
in the Business Services industry.
Industry Max: 350.3, Med: 4.1, Min: -100
JKHY: 8.8
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: 7.2, Med: 12.6, Max: 51.7
Current: 8.8
7.2
51.7
3-Year Total EBITDA Growth Rate 7.60
3-Year EBITDA Growth Rate ranked higher than
66.33% of 496 companies
in the Business Services industry.
Industry Max: 498.3, Med: 5.3, Min: -323.6
JKHY: 9.5
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: 6.9, Med: 15.5, Max: 126.5
Current: 9.5
6.9
126.5
3-Year EPS w/o NRI Growth Rate 23.30
3-Year EPS w/o NRI Growth Rate ranked higher than
56.91% of 434 companies
in the Business Services industry.
Industry Max: 405.6, Med: 9.5, Min: -324.8
JKHY: 23.3
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 17.2, Max: 58.7
Current: 23.3
0
58.7

» JKHY's 30-Y Financials

Financials (Next Earnings Date: 2019-08-22)

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Business Description

Industry Business Services » Business Services    NAICS : 541512    SIC : 7373
Compare XPAR:BVI XPAR:WLN LSE:ITRK XPAR:TEP NYSE:IRM LSE:RTO NYSE:BAH NYSE:WEX NYSE:ROL NAS:EEFT NYSE:TRU NYSE:NLSN NYSE:SERV ASX:BXB NYSE:G TSE:7912 NYSE:BR OCSE:ISS NAS:MORN NYSE:EFX
Traded in other countries JHY.Germany
Address 663 Highway 60, P.O. Box 807, Monett, MO, USA, 65708
Jack Henry & Associates is one of the leading providers of core processing systems to domestic banks and credit unions. The company also provides ancillary products, such as Internet banking, check imaging, and remote deposit capture. Jack Henry serves about 1,200 banks and 800 credit unions.

Ratios

Current vs industry vs history
PE Ratio (TTM) 35.86
PE Ratio ranked lower than
65.73% of 499 companies
in the Business Services industry.
Industry Max: 1325, Med: 22.72, Min: 0.03
JKHY: 35.86
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 12.65, Med: 25.27, Max: 38.68
Current: 35.86
12.65
38.68
Forward PE Ratio 35.84
Forward P/E ranked lower than
92.91% of 127 companies
in the Business Services industry.
Industry Max: 49.75, Med: 19.16, Min: 3.73
JKHY: 35.84
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 35.86
PE without NRI ranked lower than
66.00% of 500 companies
in the Business Services industry.
Industry Max: 1325, Med: 22.11, Min: 0.03
JKHY: 35.86
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 12.54, Med: 25.27, Max: 38.68
Current: 35.86
12.54
38.68
Price-to-Owner-Earnings 41.81
Price-to-Owner-Earnings ranked lower than
77.12% of 306 companies
in the Business Services industry.
Industry Max: 531.44, Med: 22.95, Min: 1.13
JKHY: 41.81
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 10.1, Med: 18.99, Max: 47.07
Current: 41.81
10.1
47.07
PB Ratio 7.44
PB Ratio ranked lower than
90.28% of 597 companies
in the Business Services industry.
Industry Max: 710, Med: 2.31, Min: 0.06
JKHY: 7.44
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 2.06, Med: 4.27, Max: 9.65
Current: 7.44
2.06
9.65
PS Ratio 6.64
PS Ratio ranked lower than
91.17% of 600 companies
in the Business Services industry.
Industry Max: 1600, Med: 1.24, Min: 0.02
JKHY: 6.64
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 1.71, Med: 4.12, Max: 8.06
Current: 6.64
1.71
8.06
Price-to-Free-Cash-Flow 46.38
Price-to-Free-Cash-Flow ranked lower than
76.92% of 273 companies
in the Business Services industry.
Industry Max: 2085, Med: 21.44, Min: 2.08
JKHY: 46.38
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 10.31, Med: 21.92, Max: 50.93
Current: 46.38
10.31
50.93
Price-to-Operating-Cash-Flow 25.93
Price-to-Operating-Cash-Flow ranked lower than
79.12% of 340 companies
in the Business Services industry.
Industry Max: 3126.03, Med: 14.75, Min: 0.27
JKHY: 25.93
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 7.36, Med: 14.37, Max: 30.07
Current: 25.93
7.36
30.07
EV-to-EBIT 27.29
EV-to-EBIT ranked lower than
74.20% of 500 companies
in the Business Services industry.
Industry Max: 1489.11, Med: 16.6, Min: 0.09
JKHY: 27.29
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: 8.1, Med: 16.7, Max: 31.3
Current: 27.29
8.1
31.3
EV-to-EBITDA 19.36
EV-to-EBITDA ranked lower than
72.81% of 526 companies
in the Business Services industry.
Industry Max: 1424.59, Med: 12.55, Min: 0.09
JKHY: 19.36
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 5.8, Med: 12.1, Max: 22.6
Current: 19.36
5.8
22.6
EV-to-Revenue 6.61
EV-to-Revenue ranked lower than
90.23% of 604 companies
in the Business Services industry.
Industry Max: 23439, Med: 1.47, Min: 0.02
JKHY: 6.61
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 1.7, Med: 4, Max: 8
Current: 6.61
1.7
8
PEG Ratio 3.07
PEG Ratio ranked lower than
55.65% of 239 companies
in the Business Services industry.
Industry Max: 343, Med: 2.1, Min: 0.04
JKHY: 3.07
Ranked among companies with meaningful PEG Ratio only.
PEG Ratio range over the past 10 years
Min: 0.82, Med: 2.1, Max: 3.81
Current: 3.07
0.82
3.81
Shiller PE Ratio 49.61
Shiller PE Ratio ranked lower than
80.87% of 183 companies
in the Business Services industry.
Industry Max: 1709.42, Med: 29.53, Min: 0.19
JKHY: 49.61
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 17.01, Med: 36.77, Max: 61.66
Current: 49.61
17.01
61.66
Current Ratio 1.17
Current Ratio ranked lower than
69.38% of 614 companies
in the Business Services industry.
Industry Max: 556.87, Med: 1.64, Min: 0.01
JKHY: 1.17
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 0.69, Med: 1.25, Max: 2.35
Current: 1.17
0.69
2.35
Quick Ratio 1.17
Quick Ratio ranked lower than
62.05% of 614 companies
in the Business Services industry.
Industry Max: 556.87, Med: 1.49, Min: 0.01
JKHY: 1.17
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 0.69, Med: 1.25, Max: 2.35
Current: 1.17
0.69
2.35
Days Sales Outstanding 43.43
Days Sales Outstanding ranked higher than
75.51% of 588 companies
in the Business Services industry.
Industry Max: 815.98, Med: 60.92, Min: 0.37
JKHY: 43.43
Ranked among companies with meaningful Days Sales Outstanding only.
N/A
Days Payable 4.29
Days Payable ranked lower than
95.62% of 525 companies
in the Business Services industry.
Industry Max: 967, Med: 46.52, Min: -0.7
JKHY: 4.29
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 3.05, Med: 6.8, Max: 14.42
Current: 4.29
3.05
14.42

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 1.13
Trailing Dividend Yield ranked lower than
82.97% of 693 companies
in the Business Services industry.
Industry Max: 136.99, Med: 2.25, Min: 0.03
JKHY: 1.13
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.86, Med: 1.27, Max: 2.09
Current: 1.13
0.86
2.09
Dividend Payout Ratio 0.40
Dividend Payout Ratio ranked higher than
82.29% of 401 companies
in the Business Services industry.
Industry Max: 40, Med: 0.42, Min: 0.01
JKHY: 0.4
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.25, Med: 0.28, Max: 0.38
Current: 0.4
0.25
0.38
3-Year Dividend Growth Rate (Per Share) 13.10
3-Year Dividend Growth Rate ranked higher than
62.83% of 269 companies
in the Business Services industry.
Industry Max: 131.5, Med: 7.7, Min: -100
JKHY: 13.1
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 17, Max: 39
Current: 13.1
0
39
Forward Dividend Yield % 1.17
Forward Dividend Yield ranked lower than
84.37% of 646 companies
in the Business Services industry.
Industry Max: 230.93, Med: 2.5, Min: 0.03
JKHY: 1.17
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 2.51
Yield-on-Cost (5y) ranked lower than
53.85% of 676 companies
in the Business Services industry.
Industry Max: 136.99, Med: 2.72, Min: 0.03
JKHY: 2.51
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 1.91, Med: 2.82, Max: 4.64
Current: 2.51
1.91
4.64
3-Year Share Buyback Rate 1.50
3-Year Share Buyback Rate ranked higher than
93.83% of 405 companies
in the Business Services industry.
Industry Max: 63.2, Med: -1.8, Min: -337.1
JKHY: 1.5
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -5.4, Med: -0.5, Max: 4.3
Current: 1.5
-5.4
4.3

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 34.19
Price-to-Tangible-Book ranked lower than
96.81% of 470 companies
in the Business Services industry.
Industry Max: 1420, Med: 2.9, Min: 0.06
JKHY: 34.19
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.85, Med: 11.18, Max: 560.07
Current: 34.19
0.85
560.07
Price-to-Projected-FCF 2.62
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
75.86% of 319 companies
in the Business Services industry.
Industry Max: 56.83, Med: 1.54, Min: 0.13
JKHY: 2.62
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.77, Med: 1.83, Max: 13.03
Current: 2.62
0.77
13.03
Price-to-DCF (Earnings Based) 1.86
Price-to-Intrinsic-Value-DCF (Earnings Based) ranked lower than
59.09% of 66 companies
in the Business Services industry.
Industry Max: 6.97, Med: 1.53, Min: 0.19
JKHY: 1.86
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
Price-to-Intrinsic-Value-DCF (Earnings Based) range over the past 10 years
Min: 0.65, Med: 1.22, Max: 4.72
Current: 1.86
0.65
4.72
Price-to-Median-PS-Value 1.61
Price-to-Median-PS-Value ranked lower than
84.12% of 510 companies
in the Business Services industry.
Industry Max: 147.09, Med: 1.08, Min: 0.01
JKHY: 1.61
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.14, Med: 0.88, Max: 2.34
Current: 1.61
0.14
2.34
Price-to-Peter-Lynch-Fair-Value 3.53
Price-to-Peter-Lynch-Fair-Value ranked lower than
72.66% of 139 companies
in the Business Services industry.
Industry Max: 30.77, Med: 1.61, Min: 0.05
JKHY: 3.53
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Price-to-Peter-Lynch-Fair-Value range over the past 10 years
Min: 0.57, Med: 1.65, Max: 3.57
Current: 3.53
0.57
3.57
Price-to-Graham-Number 7.38
Price-to-Graham-Number ranked lower than
96.54% of 347 companies
in the Business Services industry.
Industry Max: 36.04, Med: 1.75, Min: 0.11
JKHY: 7.38
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.67, Med: 3.59, Max: 27.37
Current: 7.38
0.67
27.37
Earnings Yield (Joel Greenblatt) % 3.66
Earnings Yield (Greenblatt) ranked lower than
59.29% of 624 companies
in the Business Services industry.
Industry Max: 1111.11, Med: 4.76, Min: -10000
JKHY: 3.66
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: 3.2, Med: 6, Max: 12.4
Current: 3.66
3.2
12.4
Forward Rate of Return (Yacktman) % 12.18
Forward Rate of Return ranked higher than
67.95% of 365 companies
in the Business Services industry.
Industry Max: 5453.81, Med: 8.6, Min: -52.24
JKHY: 12.18
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: 12, Med: 15.5, Max: 23.2
Current: 12.18
12
23.2

More Statistics

Revenue (TTM) (Mil) $ 1,603.24
EPS (TTM) $ 3.83
Beta 1.22
Volatility % 28.61
52-Week Range $ 120.2 - 163.68
Shares Outstanding (Mil) 77.2

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 5
Positive ROA Y
Positive CFROA Y
Higher ROA yoy N
CFROA > ROA Y
Lower Leverage yoy Y
Higher Current Ratio yoy N
Less Shares Outstanding yoy Y
Higher Gross Margin yoy N
Higher Asset Turnover yoy N