JKHY
Jack Henry & Associates, Inc.Evidence as of 2026-09-03Overview · Jack Henry & Associates, Inc.
Jack Henry & Associates, Inc., a financial technology company that connects people and financial institutions through technology and services that reduce the barriers to financial health. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutio…
Management team
- Mr. Michael Carnovali · Chief Compliance OfficerFind on LinkedIn
- Mark Folk · Senior Manager of Corporate CommunicationsFind on LinkedIn
- Mr. Vance Sherard C.F.A. · Vice President of Investor RelationsFind on LinkedIn
- Mr. Rob Zelinka · VP & Chief Information OfficerFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
−0.1 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The evidence balance is Mixed (−0.1 of a possible +2); confidence high. Reported quarterly revenue in the surviving claims runs from $ 585,087,000 to $ 644,738,000 across the cited fiscal quarters, while trailing twelve‑month free cash flow is $ 494,426,000 and trailing twelve‑month operating income is $ 637,000,000, implying an FCF‑to‑operating‑income conversion of about 77.6%. Cash and cash equivalents declined from $ 101,953,000 as of 2025-06-30 to $ 20,573,000 as of 2026-03-31, and long‑term debt rose from $ 0 to reported noncurrent balances of up to $ 90,000,000 in the interim periods cited; enterprise value in the packet is $ 11,730,335,914.
Share metrics and capital allocation items also survive: diluted EPS (TTM) implied by the packet is $ 6.92 with FCF per share of $ 6.8691 using 70,112,608 shares, a $ 62,045,000 stock repurchase in one quarter is recorded, and a $ 0.61 quarterly dividend was declared. The packet also contains headlines about a limited internal cybersecurity incident, multiple insider stock awards and Form 4 filings (parse status pending), and a CEO presentation at a conference.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Revenue from contracts was 644,738,000 USD for the fiscal quarter 2026 Q1 (2025-07-01 to 2025-09-30, 3mo), 619,334,000 USD for fiscal Q2 2026 (2025-10-01 to 2025-12-31, 3mo), 585,087,000 USD for fiscal quarter ended 31 March 2025 (period 2025-01-01 to 2025-03-31, 3mo), and 636,245,000 USD for fiscal Q3 2026 (2026-01-01 to 2026-03-31, 3mo).
XBRL companyfacts · 0000779152-25-000092Operating income was 184,065,000 USD in fiscal Q1 2026 (2025-07-01 to 2025-09-30, 3mo), 159,148,000 USD in fiscal Q2 2026 (2025-10-01 to 2025-12-31, 3mo), 138,740,000 USD for the quarter ended 31 March 2025 (2025-01-01 to 2025-03-31, 3mo), and 155,047,000 USD in fiscal Q3 2026 (2026-01-01 to 2026-03-31, 3mo).
XBRL companyfacts · 0000779152-25-000092Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
A Form 4 for Jack Henry & Associates, Inc. was filed on 1 September 2026 (the 4 filed 1 September 2026).
4 filed 2026-09-01The filing's parse_status is listed as 'pending' and the record shows no primary_doc_url in the provided evidence.
4 filed 2026-09-01Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
No computed signal history for this symbol yet — signals need roughly 70 trading days of price history.
Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
As of 2026-09-02, the iShares Core S&P 500 ETF (IVV) held Jack Henry & Associates, Inc. at 0.02% of fund weight.
ETF constituents · market dataA Form 4 filing with the 4 filed 1 September 2026 was filed on 2026-09-01 and is listed with parse_status 'pending'.
Form 4 × 1 (90d window not enforced here)Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
A quarterly dividend of $0.61 per share was declared with a record date of Monday, September 7 and a payment date of Wednesday, September 23, according to a headline on 2 September 2026.
News · thelincolnianonline.com · 2026-09-02Headlines on 2 September 2026 report that Jack Henry CEO Greg Adelson is scheduled to present at a Goldman Sachs conference, appearing in at least two outlets.
News · prnewswire.com · 2026-09-02Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The valuation model implies a free cash flow (FCF) growth rate of 13.81% (0.1381) that today's price would justify under the stated discount and terminal assumptions.
Valuation inputs · SEC XBRL + stored EOD closeTrailing twelve‑month price-to-free-cash-flow is 24.32 and trailing twelve‑month price-to-earnings is 24.14 based on the inputs in the filing data.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
The evidence shows sequential revenue, operating income, net income, and diluted EPS growth across the recent quarters, accompanied by active capital returns (share repurchases and a declared quarterly dividend). Trailing twelve‑month free cash flow and an FCF-to-operating-income conversion rate near 78% indicate strong cash-generation relative to operating results, and the firm’s enterprise value is large relative to the modest reported long-term debt. Analyst coverage skews positive (majority buy ratings) and management visibility is supported by upcoming investor presentations and recent insider activity, which together reinforce a favorable operational and cash‑flow profile despite headline liquidity and leverage movements. These items collectively support a constructive read on the company’s operating and cash‑flow strength while acknowledging balance-sheet changes that merit monitoring.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.34
24 surviving claims rest on 13 distinct sources; the heaviest analyst carries 38% of them, and 100% of what the desk raised survived the debate.
The read rests on a moderate number of independent sources but a meaningful share of surviving claims trace back to a single analyst, so some conclusions carry concentrated analyst exposure. The fact that everything the desk raised survived the debate suggests low internal pushback — useful for clarity, but it reduces the internal stress‑testing that would otherwise lower fragility.
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
12 filings· 1 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer−0.3 to the score
1 document
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.0 to the score
2 holdings records
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.0 to the score
8 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on JKHY Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.