NASDAQ: JKHY · Information Technology Services
Jack Henry & Associates (JKHY) fair value: undervalued or overvalued?
As of 26 Sep 2026, Faircurve's model values Jack Henry & Associates (JKHY) at $128.71 a share. The stock last closed at $142.54, which puts the model's fair value 9.7% below the price. On the model's bands that reads as Fairly valued.
Revalued . Price is the close of 2 Oct 2026. Jack Henry & Associates, Inc.
Faircurve Insights · 26 Sep 2026
Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services.
Faircurve's model on 26 Sep 2026 gave a fair value of $128.71 a share, the midpoint of 2,000 simulations. This fair value moved -6.7% from the previous run on 19 Sep 2026, which gave $137.93. The calibrated range over 63 trading days is $107.99 to $156.94; this range, built from the fair value, held the price 60% of the time at this horizon, and the evidence grade is Medium.
The overall quality score is 55 out of 100 against comparable companies. The model compares Jack Henry & Associates, Inc. with Gartner, Inc., CACI International Inc, CDW Corporation, Broadridge Financial Solutions, Inc., EPAM Systems, Inc., and Genpact Limited. The moves around the last 8 earnings reports, measured from the close before each report to the close after it, include +8.8% on 18 Aug 2026 and -6.3% on 5 May 2026, with a median size of 2.6%.
Written from the figures on this page for the 26 Sep 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give JKHY?
The calibrated range for JKHY over 63 trading days is $107.99 to $156.94. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,327 past valuations, refreshed 26 Sep 2026). Ranges built this way held the price 60% of the time at this horizon.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $98.80 to $165.55. In 32% of the simulations the fair value came out above the price the model ran on.
How does JKHY score on business quality?
Jack Henry & Associates's overall quality score is 55 out of 100. Each factor below is a score against comparable companies, not a percentile of the metric beside it.
| Factor | Score (0 to 100) | Headline measure | Peer median |
|---|---|---|---|
| ProfitabilityReturn on invested capital against the peer group, with a bonus for an improving trend. | 55 | 23.4%ROIC | 19.7% |
| Earnings qualityHow much of reported profit is cash: free cash flow to net income, and the accrual ratio (the share of earnings that is not cash). | 48 | 1.38xFCF / net income | 1.66x |
| Growth qualityTrailing revenue growth, forward growth from consensus, and the direction of analyst estimate revisions. | 43 | 5.1%Revenue growth, trailing | 7.2% |
| Capital disciplineReinvestment efficiency (capital spending per unit of revenue) and net buybacks. | 44 | 4.3%Net buybacks / market value | 5.5% |
| Balance sheetNet debt to EBITDA and interest coverage. | 56 | 0.03xNet debt / EBITDA | -0.51x |
| StabilityDownside volatility of the EBITDA margin over the last five years. | 100 | 0.4 ptsEBITDA margin downside volatility, 5y | 2.7 pts |
How does JKHY compare with similar companies?
The companies in information technology services closest to Jack Henry & Associates in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| IT Gartner, Inc. | $184.80 | $180.94 | -2.1% | Fairly valued |
| CACI CACI International Inc | $615.04 | $583.06 | -5.2% | Fairly valued |
| LDOS Leidos Holdings, Inc. | $117.74 | $132.19 | +12.3% | Low evidence grade |
| CDW CDW Corporation | $133.29 | $129.52 | -2.8% | Fairly valued |
| FIS Fidelity National Information Services, Inc. | $32.44 | $33.86 | +4.4% | Low evidence grade |
| BR Broadridge Financial Solutions, Inc. | $156.93 | $149.30 | -4.9% | Fairly valued |
| EPAM EPAM Systems, Inc. | $108.29 | $103.62 | -4.3% | Fairly valued |
| G Genpact Limited | $33.29 | $36.58 | +9.9% | Fairly valued |
All information technology services stocks ranked by gap to fair value
When does JKHY report earnings, and how has the stock reacted?
Jack Henry & Associates's next earnings report is scheduled for 3 Nov 2026. Companies can move their dates.
Options prices on 2 Oct 2026 imply a move of about 4.5% in either direction through the nearest expiry, about 13 days out. That is the size the market is pricing, not a direction.
How JKHY moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 2.6%.
| Report date | Two session move |
|---|---|
| 18 Aug 2026 | +8.8% |
| 5 May 2026 | -6.3% |
| 3 Feb 2026 | -3.0% |
| 4 Nov 2025 | +6.1% |
| 19 Aug 2025 | +1.8% |
| 6 May 2025 | -0.4% |
| 4 Feb 2025 | -1.1% |
| 5 Nov 2024 | -2.1% |
Jack Henry & Associates at a glance
Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services.
- Market value
- $10.5B
- Sector
- Technology
- Industry
- Information Technology Services
- Revenue expected, next twelve months
- $2.7B
- Consensus revenue growth, next fiscal year
- +7.9%
- Analysts with estimates
- 11
- Beta to the US market
- -0.11
- First valued by Faircurve
- 1 May 2026
How the fair value is worked out: the model prices Jack Henry & Associates on the value of the whole business, debt included, against the operating profit analysts expect next year (forward EV/EBITDA), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 19 Sep 2026 the model's fair value for JKHY was $137.93. As of 26 Sep 2026 it is $128.71, a change of -6.7%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Jack Henry & Associates's valuation
Is Jack Henry & Associates stock undervalued or overvalued?
On Faircurve's model, JKHY reads as Fairly valued as of 26 Sep 2026. The model's fair value is $128.71 a share against a last close of $142.54, a gap of -9.7%.
What is JKHY's fair value?
$128.71 a share as of 26 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $98.80 to $165.55.
What price range does the model give JKHY?
$107.99 to $156.94 over 63 trading days. Ranges built this way held the price 60% of the time across 4,327 past valuations, refreshed 26 Sep 2026.
When does Jack Henry & Associates report earnings next?
The next report is scheduled for 3 Nov 2026. Companies can move their dates.
How much has JKHY moved on past earnings reports?
Across its last 8 reports the median two session move was 2.6%, ignoring direction. The largest was +8.8% around the report of 18 Aug 2026.
How confident is the model in this valuation?
The model's evidence grade for JKHY is medium. The grade looks at how complete the inputs are, how many comparable companies there are and how closely they agree, and how wide the range of outcomes is. It is not a probability that the fair value is right, or that the price reaches it.