# Henry (Jack) & Associates (JKHY) — Stock CV

Henry (Jack) & Associates is a $10.5B technology company. Revenue grew 7.1% over the last year, and it keeps 20¢ of every dollar of sales as profit. It trades at 20.8× earnings — near the lowest of its own history.

> 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.

## Identity

- **Ticker**: JKHY
- **Sector**: Technology
- **Industry**: Services-Computer Integrated Systems Design
- **Headquarters**: MONETT, MO
- **Employees**: 7 300
- **Website**: https://www.jackhenry.com
- **Market cap**: $10.5B
- **Last price**: $149.31
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $2.54B
- **Net income**: $503M
- **Free cash flow**: $695M
- **P/E**: 20.8
- **Revenue growth (YoY)**: 7.1%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 77 |
| Growth | 56 |
| Profitability | 60 |
| Health | 37 |
| Quality | 97 |
| Moat | 88 |

## Qualifications (beginner checklist) — 9 of 11 passed

- [x] Revenue growing — +7.1% YoY
- [x] Profitable — $503M TTM
- [x] Profit growing — +11.6% YoY
- [x] Generates cash — $695M TTM
- [ ] Debt under control — current ratio 1.17
- [x] Established company — $10.5B market cap
- [x] Not printing shares — -4.8% shares over ~5y
- [x] Proven track record — 11/11 profitable years
- [ ] Financially stable — health score 37/100
- [x] Pays a dividend — yield 1.63%
- [x] Valuation not extreme — P/E 20.8

## Experience (career milestones)

- **FY2026** — Best year on record: $503M net income
- **FY2020** — Became debt-free: cash now exceeds total debt
- **FY2016** — Profitable every year on record: 11 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $1.35B in first reported year
- **FY2016** — Positive free cash flow every year since: 11-year streak

## Strengths

- High gross margin (43.6%)
- Strong cash conversion — FCF is 27.3% of revenue
- Interest covered 78.8× by operating earnings
- Piotroski F-Score 7/9 — fundamentally strong checklist

## Watch-outs

- None stand out in the data.

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2022 | $1.94B | $363M | $470M |
| FY2023 | $2.08B | $367M | $342M |
| FY2024 | $2.22B | $382M | $510M |
| FY2025 | $2.38B | $456M | $588M |
| FY2026 | $2.54B | $503M | $695M |

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Source: https://stockcv.com/JKHY — derived from company filings; may be delayed or incomplete. Information, not investment advice.