Jack Henry & Associates (FRA:JHY) E10: €4.85 (As of Mar. 2026)


FRA:JHY Jack Henry & Associates Inc FRA:JHY
89 GF Score
Price €128.30
GF Value €171.35
Valuation Modestly Undervalued
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What is Jack Henry & Associates E10?

Jack Henry & Associates FRA:JHY +3.22% 89 E10 is €4.85 as of Mar. 2026. GuruFocus rates FRA:JHY with a GF Score™ of 89/100 and a GF Value™ of €171.35 (Modestly Undervalued).

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Jack Henry & Associates's adjusted earnings per share data for the three months ended in Mar. 2026 was €1.479. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €4.85 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Jack Henry & Associates's average E10 Growth Rate was 9.90% per year. During the past 3 years, the average E10 Growth Rate was 8.60% per year. During the past 5 years, the average E10 Growth Rate was 11.20% per year. During the past 10 years, the average E10 Growth Rate was 12.00% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Jack Henry & Associates was 35.70% per year. The lowest was 8.60% per year. And the median was 13.00% per year.

As of today (2026-07-04), Jack Henry & Associates's current stock price is €128.30. Jack Henry & Associates's E10 for the quarter that ended in Mar. 2026 was €4.85. Jack Henry & Associates's Shiller PE Ratio of today is 26.45.

During the past 13 years, the highest Shiller PE Ratio of Jack Henry & Associates was 63.52. The lowest was 22.66. And the median was 46.26.


Jack Henry & Associates  (FRA:JHY) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Jack Henry & Associates's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=128.30/4.85
=26.45

* 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 Shiller P/E Ratio of Jack Henry & Associates was 63.52. The lowest was 22.66. And the median was 46.26.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Jack Henry & Associates E10 Related Terms


Jack Henry & Associates E10 Historical Data

* Premium members only.

The historical data trend for Jack Henry & Associates's E10 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 E10 Chart

Jack Henry & Associates Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.92 3.88 4.03 4.48 4.39

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
E10 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 4.56 4.39 4.60 4.65 4.85

FRA:JHY vs CACI, IT, CIFR: E10 Comparison

For the Information Technology Services subindustry, Jack Henry & Associates's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Software Industry

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

* The bar in red indicates where Jack Henry & Associates's Shiller PE Ratio falls into.


FRA:JHY
89GF Score
Jack Henry & Associates Inc FRA:JHY
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jack Henry & Associates E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.479/330.2130*330.2130
=1.479

Current CPI (Mar. 2026) = 330.2130.

Jack Henry & Associates Quarterly Data

per share eps CPI Adj_EPS
201606 0.943 241.018 1.292
201609 0.704 241.428 0.963
201612 0.711 241.432 0.972
201703 0.720 243.801 0.975
201706 0.739 244.955 0.996
201709 0.722 246.819 0.966
201712 1.758 246.524 2.355
201803 0.722 249.554 0.955
201806 0.942 251.989 1.234
201809 0.926 252.439 1.211
201812 0.774 251.233 1.017
201903 0.681 254.202 0.885
201906 0.699 256.143 0.901
201909 1.053 256.759 1.354
201912 0.846 256.974 1.087
202003 0.869 258.115 1.112
202006 0.710 257.797 0.909
202009 1.010 260.280 1.281
202012 0.773 260.474 0.980
202103 0.798 264.877 0.995
202106 0.862 271.696 1.048
202109 1.173 274.310 1.412
202112 1.151 278.802 1.363
202203 1.053 287.504 1.209
202206 1.041 296.311 1.160
202209 1.475 296.808 1.641
202212 1.038 296.797 1.155
202303 1.046 301.836 1.144
202306 1.237 305.109 1.339
202309 1.302 307.789 1.397
202312 1.155 306.746 1.243
202403 1.095 312.332 1.158
202406 1.282 314.175 1.347
202409 1.469 315.301 1.538
202412 1.280 315.605 1.339
202503 1.406 319.799 1.452
202506 1.517 322.561 1.553
202509 1.678 324.800 1.706
202512 1.469 324.054 1.497
202603 1.479 330.213 1.479

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €4.85 mean?
Jack Henry & Associates (FRA:JHY) has a E10 of €4.85 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Jack Henry & Associates and its competitors.
Is Jack Henry & Associates' E10 too high?
Jack Henry & Associates' current E10 is €4.85. 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' E10 compare to CACI and IT?
Jack Henry & Associates' E10 of €4.85 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 E10 for a Software company?
A good E10 depends on the Software industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Jack Henry & Associates and its competitors. Jack Henry & Associates's current E10 is €4.85. 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 €171.35, compared to a current price of €128.30 — trading 25.1% below its estimated fair value. The current E10 is €4.85. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Jack Henry & Associates (FRA:JHY), the current E10 is €4.85 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 €128.30 is trading 25.1% below its estimated GF Value™ of €171.35. GuruFocus considers Jack Henry & Associates to be Modestly Undervalued.

Key valuation signals for FRA:JHY:

  • E10: €4.85
  • GF Value™: €171.35 vs. price of €128.30 (25.1% below fair value)
  • GF Score™: 89/100

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 & 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 FRA:JHY

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€128.30
Price
€171.35
GF Value