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Jack Henry & Associates, Inc. Quality Score

JKHY

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Quality86

Strong across all measured dimensions. No single area is pulling the score down meaningfully.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
60/100
25.7x

25–30x, paying a growth premium

Cash Flow Multiple
90/100
18.1x

Under 20x cash flow, well covered

Revenue Growth
70/100
7.0%

5–10% CAGR, steady but not exceptional

Cash Flow Growth
100/100
26.6%

Above 10% CAGR, strong compounder

Business Quality & Capital Allocation

Share Dilution
80/100
-1.4%

Roughly flat, no meaningful dilution

Margin Trend
90/100
+1.8pp

Expanded 1–3pp, steady progress

Capital Structure
95/100
$66M

Net debt/FCF of 0.1x, easily serviceable

2023
$12.0M
$325M
2024
$38.0M
$210M
2025
$102M
$51.0M
2026
$12.0M
$78.0M
CashDebt
Return on Capital
100/100
22.5%

Above 20%, exceptional capital efficiency

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Jack Henry & Associates (JKHY) quality: score, margins and returns

Jack Henry & Associates (JKHY) scores 86/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100, on 25.0% operating margins and 22.5% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Jack Henry & Associates (JKHY) a high-quality business?+

Jack Henry & Associates scores 86 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Recent figures include a 25.0% operating margin and a 22.5% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Jack Henry & Associates's quality score measure?+

Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from JKHY's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Jack Henry & Associates scores well and where it falls behind.

What is Jack Henry & Associates's return on invested capital (ROIC)?+

Jack Henry & Associates earns about 22.5% on its invested capital, which is exceptional. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to JKHY's margins and growth on this scorecard to judge durability.

How profitable is Jack Henry & Associates?+

Jack Henry & Associates runs an operating margin of about 25.0% and a net margin of about 19.8%. Revenue has grown at roughly 7.7% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 12 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 29 Aug 2026. How this is calculated.

Fiscal year ends Jun. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

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Held by ETFs

JKHY is in 213 US ETFs. The largest of them, with JKHY's weight in each:

Spot a number that looks wrong? Check it in JKHY's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.