/
Jack Henry & Associates, Inc. is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. For nearly 50 years, we have provided technology solutions to help banks and credit unions innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders.
Margins and capital returns are both well above average: 23.94% operating margin, ROIC at 20.71%. Consistent with durable pricing power, though that alone doesn't make it a buy.
Revenue grew 7.2%, steady but not accelerating.
Insufficient data to identify specific risks. Treat any missing metrics as a data gap, not a clean bill of health.
Profitability & Returns
Revenue (TTM)
$2.52B
▲ +7.2% YoY
Net Income (TTM)
$519M
▲ +19.4% YoY
Op. Margin
26.00%
▲ +1.9pp YoY
ROIC
22.31%
▲ +2.0pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$728M
▲ +15.3% YoY
Op. Cash Flow (TTM)
$786M
▲ +12.9% YoY
Net Debt
$116M
Cash & Equiv.
$21M
5Y CAGR: +7.0%
5Y CAGR: +5.2%
Continue Research