Jack Henry & Associates (BSP:J1KH34) Cyclically Adjusted Book per Share: R$31.50 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BSP:J1KH34 Jack Henry & Associates Inc BSP:J1KH34
89 GF Score
Price R$187.64
GF Value R$239.66
Valuation Modestly Undervalued
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What is Jack Henry & Associates Cyclically Adjusted Book per Share?

Jack Henry & Associates BSP:J1KH34 89 Cyclically Adjusted Book per Share is R$31.50 as of Mar. 2026. GuruFocus rates BSP:J1KH34 with a GF Score™ of 89/100 and a GF Value™ of R$239.66 (Modestly Undervalued).

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Jack Henry & Associates's adjusted book value per share for the three months ended in Mar. 2026 was R$39.195. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is R$31.50 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Jack Henry & Associates's average Cyclically Adjusted Book Growth Rate was 9.60% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 7.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 8.60% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 8.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Jack Henry & Associates was 38.60% per year. The lowest was 6.10% per year. And the median was 11.90% per year.

As of today (2026-08-06), Jack Henry & Associates's current stock price is R$187.64. Jack Henry & Associates's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was R$31.50. Jack Henry & Associates's Cyclically Adjusted PB Ratio of today is 5.96.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Jack Henry & Associates was 13.40. The lowest was 5.34. And the median was 9.79.


Jack Henry & Associates  (BSP:J1KH34) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Jack Henry & Associates's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=187.64/31.50
=5.96

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Jack Henry & Associates was 13.40. The lowest was 5.34. And the median was 9.79.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Jack Henry & Associates Cyclically Adjusted Book per Share Related Terms


Jack Henry & Associates Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Jack Henry & Associates's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Jack Henry & Associates Cyclically Adjusted Book per Share Chart

Jack Henry & Associates Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.18 23.24 24.26 24.72 31.10

Jack Henry & Associates Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 23.72 31.10 30.25 29.06 31.50

BSP:J1KH34 vs CACI, WSE, CIFR: Cyclically Adjusted Book per Share Comparison

For the Information Technology Services subindustry, Jack Henry & Associates's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Jack Henry & Associates Cyclically Adjusted PB Ratio vs Software Industry

For the Software industry and Technology sector, Jack Henry & Associates's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Jack Henry & Associates's Cyclically Adjusted PB Ratio falls into.


BSP:J1KH34
89GF Score
Jack Henry & Associates Inc BSP:J1KH34
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jack Henry & Associates Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Jack Henry & Associates's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=39.195/330.2130*330.2130
=39.195

Current CPI (Mar. 2026) = 330.2130.

Jack Henry & Associates Quarterly Data

Book Value per Share CPI Adj_Book
201606 10.834 241.018 14.843
201609 10.129 241.428 13.854
201612 10.493 241.432 14.352
201703 10.192 243.801 13.804
201706 10.982 244.955 14.804
201709 10.524 246.819 14.080
201712 12.518 246.524 16.768
201803 12.973 249.554 17.166
201806 16.160 251.989 21.176
201809 18.188 252.439 23.792
201812 17.512 251.233 23.017
201903 17.737 254.202 23.041
201906 17.892 256.143 23.066
201909 19.769 256.759 25.425
201912 19.887 256.974 25.555
202003 24.140 258.115 30.883
202006 26.231 257.797 33.599
202009 27.313 260.280 34.652
202012 26.126 260.474 33.121
202103 24.951 264.877 31.106
202106 22.412 271.696 27.239
202109 24.881 274.310 29.952
202112 24.695 278.802 29.249
202203 22.688 287.504 26.058
202206 23.923 296.311 26.660
202209 26.271 296.808 29.228
202212 27.149 296.797 30.206
202303 27.490 301.836 30.074
202306 26.776 305.109 28.979
202309 28.144 307.789 30.194
202312 28.992 306.746 31.210
202403 30.397 312.332 32.137
202406 34.043 314.175 35.781
202409 36.529 315.301 38.257
202412 41.335 315.605 43.248
202503 40.259 319.799 41.570
202506 40.561 322.561 41.523
202509 40.167 324.800 40.836
202512 41.637 324.054 42.428
202603 39.195 330.213 39.195

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of R$31.50 mean?
Jack Henry & Associates (BSP:J1KH34) has a Cyclically Adjusted Book per Share of R$31.50 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Jack Henry & Associates and its competitors.
Is Jack Henry & Associates' Cyclically Adjusted Book per Share too high?
Jack Henry & Associates' current Cyclically Adjusted Book per Share is R$31.50. Overall, Jack Henry & Associates has a GF Score™ of 89/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Jack Henry & Associates' Cyclically Adjusted Book per Share compare to CACI and WSE?
Jack Henry & Associates' Cyclically Adjusted Book per Share of R$31.50 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Software company?
A good Cyclically Adjusted Book per Share depends on the Software industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Jack Henry & Associates and its competitors. Jack Henry & Associates's current Cyclically Adjusted Book per Share is R$31.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jack Henry & Associates stock overvalued right now?
Based on GuruFocus' analysis, Jack Henry & Associates (BSP:J1KH34) is currently considered Modestly Undervalued. The stock's GF Value™ is R$239.66, compared to a current price of R$187.64 — trading 21.7% below its estimated fair value. The current Cyclically Adjusted Book per Share is R$31.50. Jack Henry & Associates' overall GF Score™ is 89/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Jack Henry & Associates (BSP:J1KH34), the current Cyclically Adjusted Book per Share is R$31.50 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Jack Henry & Associates (BSP:J1KH34) Overvalued in 2026?

Based on GuruFocus' analysis, Jack Henry & Associates stock appears to be undervalued. The current stock price of R$187.64 is trading 21.7% below its estimated GF Value™ of R$239.66. GuruFocus considers Jack Henry & Associates to be Modestly Undervalued.

Key valuation signals for BSP:J1KH34:

  • Cyclically Adjusted Book per Share: R$31.50
  • GF Value™: R$239.66 vs. price of R$187.64 (21.7% below fair value)
  • GF Score™: 89/100

No single metric tells the full story. See the BSP:J1KH34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Jack Henry & Associates Business Description

Address 663 Highway 60, P.O. Box 807, Monett, MO, USA, 65708
Jack Henry is a leading provider of core processing and complementary services, including electronic funds transfer, payment processing, and loan processing, for US banks and credit unions, with a focus on small and midsize banks. Jack Henry serves almost 1,000 banks and over 700 credit unions.
89GF Score

Get the complete analysis for BSP:J1KH34

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$187.64
Price
R$239.66
GF Value