Jack Henry & AssociatesFRA:JHY +6.41%89 FCF Margin % is 19.16% as of Mar. 2026, which is 16% above its 10-year median of 16.45. GuruFocus rates FRA:JHY with a GF Score™ of 89/100 and a GF Value™ of €170.15 (Significantly Undervalued). Among 2,815 Software companies, Jack Henry & Associates ranks better than 88.06% 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: FCF Margin % Comparison
For the Information Technology Services subindustry, Jack Henry & Associates's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Software Industry
For the Software industry and Technology sector, Jack Henry & Associates's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Jack Henry & Associates's FCF Margin % falls into.
* 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 FCF Margin % of 19.16% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Jack Henry & Associates and its competitors. This is 16% above median its historical median of 16.45. Over the past decade, Jack Henry & Associates' FCF Margin % has ranged from 8.40 to 21.59. According to the industry distribution chart, Jack Henry & Associates ranks #336 out of 2815 companies in the Software industry, placing it in the top 11.9%.
Is Jack Henry & Associates' FCF Margin % too high?
Jack Henry & Associates' current FCF Margin % of 19.16% is 16% above median its 10-year median of 16.45. Over the past 10 years, this metric has ranged from a low of 8.40 to a high of 21.59. The Software industry median FCF Margin % is 2.41. Jack Henry & Associates' value of 19.16% is 695% above this industry median. Based on the distribution chart, Jack Henry & Associates ranks #336 out of 2815 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Jack Henry & Associates has a GF Score™ of 89/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Jack Henry & Associates' FCF Margin % compare to CACI and IT?
According to the Software industry distribution chart, Jack Henry & Associates ranks #336 out of 2815 companies for FCF Margin %. This places Jack Henry & Associates in the top 12% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 2.41. Jack Henry & Associates' value of 19.16% is 695% above this benchmark. Historically, Jack Henry & Associates' own FCF Margin % has ranged from 8.40 to 21.59 over the past decade. While the company's 10-year median is 16.45 vs. the industry median of 2.41, Jack Henry & Associates has consistently been above 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 FCF Margin % for a Software company?
The median FCF Margin % among Software companies is 2.41, based on 2,815 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jack Henry & Associates's current FCF Margin % of 19.16% is 695% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Jack Henry & Associates and its competitors. For the Software industry, the median FCF Margin % is 2.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jack Henry & Associates's current FCF Margin % is 19.16%, which is 16% above median its own 10-year median of 16.45. 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 Significantly Undervalued. The stock's GF Value™ is €170.15, compared to a current price of €118.75 — trading 30.2% below its estimated fair value. The current FCF Margin % is 19.16%, which is 16% above median its 10-year median of 16.45 and 695% above the Software industry median of 2.41. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Jack Henry & Associates (FRA:JHY), the current FCF Margin % is 19.16% 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 €118.75 is trading 30.2% below its estimated GF Value™ of €170.15.
GuruFocus considers Jack Henry & Associates to be Significantly Undervalued.
Key valuation signals for FRA:JHY:
FCF Margin %: 19.16% (16% above median its 10-year median of 16.45)
GF Value™: €170.15 vs. price of €118.75 (30.2% below fair value)
Industry Position: 695% above the Software median (#336 of 2815)
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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