Jack Henry & AssociatesFRA:JHY +1.48%89 Days Payable is 4.66 as of Mar. 2026, which is 24% below its 10-year median of 6.14. GuruFocus rates FRA:JHY with a GF Score™ of 89/100 and a GF Value™ of €172.88 (Modestly Undervalued). Among 2,605 Software companies, Jack Henry & Associates ranks worse than 95.93% on this metric.
* 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.
FRA:JHY vs CACI, IT, CIFR: Days Payable Comparison
For the Information Technology Services subindustry, Jack Henry & Associates's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Software Industry
For the Software industry and Technology sector, Jack Henry & Associates's Days Payable distribution charts can be found below:
* The bar in red indicates where Jack Henry & Associates's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Jack Henry & Associates's Days Payable for the fiscal year that ended in Jun. 2025 is calculated as
* 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 (FRA:JHY) has a Days Payable of 4.66 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Jack Henry & Associates and its competitors. This is 24% below median its historical median of 6.14. Over the past decade, Jack Henry & Associates' Days Payable has ranged from 3.57 to 7.96. According to the industry distribution chart, Jack Henry & Associates ranks #2499 out of 2605 companies in the Software industry, placing it in the top 95.9%.
Is Jack Henry & Associates' Days Payable too high?
Jack Henry & Associates' current Days Payable of 4.66 is 24% below median its 10-year median of 6.14. Over the past 10 years, this metric has ranged from a low of 3.57 to a high of 7.96. The Software industry median Days Payable is 52.79. Jack Henry & Associates' value of 4.66 is 91.2% below this industry median. Based on the distribution chart, Jack Henry & Associates ranks #2499 out of 2605 companies in the Software industry, which is in the bottom quartile relative to peers. 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' Days Payable compare to CACI and IT?
According to the Software industry distribution chart, Jack Henry & Associates ranks #2499 out of 2605 companies for Days Payable. This places Jack Henry & Associates in the lower half of its industry. The industry median Days Payable is 52.79. Jack Henry & Associates' value of 4.66 is 91.2% below this benchmark. Historically, Jack Henry & Associates' own Days Payable has ranged from 3.57 to 7.96 over the past decade. While the company's 10-year median is 6.14 vs. the industry median of 52.79, Jack Henry & Associates has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Software company?
The median Days Payable among Software companies is 52.79, based on 2,605 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jack Henry & Associates's current Days Payable of 4.66 is 91.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Jack Henry & Associates and its competitors. For the Software industry, the median Days Payable is 52.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jack Henry & Associates's current Days Payable is 4.66, which is 24% below median its own 10-year median of 6.14. 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 (FRA:JHY) is currently considered Modestly Undervalued. The stock's GF Value™ is €172.88, compared to a current price of €130.50 — trading 24.5% below its estimated fair value. The current Days Payable is 4.66, which is 24% below median its 10-year median of 6.14 and 91.2% below the Software industry median of 52.79. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Jack Henry & Associates (FRA:JHY), the current Days Payable is 4.66 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 (FRA:JHY) Overvalued in 2026?
Based on GuruFocus' analysis, Jack Henry & Associates stock appears to be undervalued.
The current stock price of €130.50 is trading 24.5% below its estimated GF Value™ of €172.88.
GuruFocus considers Jack Henry & Associates to be Modestly Undervalued.
Key valuation signals for FRA:JHY:
Days Payable: 4.66 (24% below median its 10-year median of 6.14)
GF Value™: €172.88 vs. price of €130.50 (24.5% below fair value)
Industry Position: 91.2% below the Software median (#2499 of 2605)
No single metric tells the full story. See the FRA:JHY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
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