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JACK HENRY & ASSOCIATES INC

JKHY

$157.02 ▲ +2.71 (+1.75%) at close

17 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

JACK HENRY & ASSOCIATES INC shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $11.4B

Dividend Yield 1.44%

Revenue Growth 7.2% ↗

Op. Margin 23.9% ↗

ROIC 20.8% ↗

FCF / Share $8.07 ↗

Trailing P/E 25.1x

Price / Book 5.4x

FCF Yield 5.1%

Debt / Equity 0.00

info Valuation on last close. End-of-day price, Aug 6, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.38B

↑ +7.2% —

Net Income Profit after all expenses

$455.75M

↑ +19.4% —

Operating Margin Operating profit as % of sales

23.9%

↑ +8.4% 80th

FCF / Share Free cash flow per share

$8.07

↑ +15.3% —

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↓

Financial Health

Cash Quality ↓

Dividend History

Dividend / share · sourced from SEC filings

$2.26 Latest / share

+5.6% YoY

+9.4% 12-yr CAGR

$0.84

FY 2014

$0.94

FY 2015

$1.06

FY 2016

$1.18

FY 2017

$1.36

FY 2018

$1.54

FY 2019

$1.66

FY 2020

$1.78

FY 2021

$1.90

FY 2022

$2.02

FY 2023

$2.14

FY 2024

$2.26

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Revenue Growth YoY (%)	7.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-40%)	6.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-45%)	6.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-42%)	10.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-12%)	3.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-70%)	9.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	5.6% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	2.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-77%)	5.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-53%)	7.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-35%)	7.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-41%)	3.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-68%)	10.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-17%)	6.2% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-48%)	15.6% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+30%)	—	—
EPS Growth YoY (%)	19.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	4.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	1.6% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	20.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	6.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	9.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-25.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	49.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	1.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	20.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	18.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	7.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	14.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	11.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	15.1% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	19.4% Good ↑ Good Improving Year-over-year change in net income	4.1% Caution ↓ Caution Declining Year-over-year change in net income	1.0% Caution ↓ Caution Declining Year-over-year change in net income	16.5% Good ↑ Good Improving Year-over-year change in net income	5.0% Caution ↓ Caution Declining Year-over-year change in net income	9.1% Fair ↑ Fair Improving Year-over-year change in net income	-25.5% Weak ↓ Weak Declining Year-over-year change in net income	48.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-1.2% Weak ↓ Weak Declining Year-over-year change in net income	17.8% Good ↑ Good Improving Year-over-year change in net income	13.1% Fair ↑ Fair Improving Year-over-year change in net income	5.7% Fair ↓ Fair Declining Year-over-year change in net income	14.0% Fair → Fair Stable Year-over-year change in net income	12.7% Fair Fair Year-over-year change in net income	16.6% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%)	15.3% Good ↑ Good Improving Year-over-year change in free cash flow	49.0% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-26.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	10.3% Fair ↑ Fair Improving Year-over-year change in free cash flow	-2.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	21.6% Good ↑ Good Improving Year-over-year change in free cash flow	1.6% Caution ↓ Caution Declining Year-over-year change in free cash flow	18.9% Good ↑ Good Improving Year-over-year change in free cash flow	3.7% Caution ↓ Caution Declining Year-over-year change in free cash flow	-0.5% Weak ↓ Weak Declining Year-over-year change in free cash flow	8.0% Fair ↓ Fair Declining Year-over-year change in free cash flow	19.0% Good ↑ Good Improving Year-over-year change in free cash flow	18.6% Good ↑ Good Improving Year-over-year change in free cash flow	6.4% Fair Fair Year-over-year change in free cash flow	24.7% Good Good Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.8% Fair → Fair Stable Compound annual revenue growth over 3 years	4.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.8% Fair → Fair Stable Compound annual revenue growth over 3 years	6.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.7% Fair Fair Compound annual revenue growth over 3 years	10.5% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	7.0% Fair → Fair Stable Compound annual revenue growth over 5 years	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.2% Fair → Fair Stable Compound annual revenue growth over 5 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.0% Fair Fair Compound annual revenue growth over 5 years	8.5% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	8.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	9.2% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	12.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	-4.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	6.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	4.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	22.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.8% Good → Good Stable Compound annual EPS growth over 3 years	15.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	13.3% Good ↑ Good Improving Compound annual EPS growth over 3 years	11.2% Good Good Compound annual EPS growth over 3 years	13.8% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Operating Margin (%) (%)	23.9% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	22.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	23.1% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	24.4% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	22.7% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	22.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	22.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	24.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	25.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	26.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	25.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	24.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	23.5% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	23.0% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	22.4% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	21.8% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	—
Effective Tax Rate (%) (%)	22.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.2% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	19.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	17.2% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	17.6% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	18.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	17.7% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	17.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	17.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	24.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	17.2% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	18.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	16.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	15.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	15.6% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	14.2% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	14.1% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	—
FCF Margin (%) (%)	24.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	23.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	16.5% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	24.2% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	25.0% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	26.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	24.3% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	25.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	22.0% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	22.9% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	25.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	26.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	23.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	21.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	21.5% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	19.6% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.29x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.34x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	0.93x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.29x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.41x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.54x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.39x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.02x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.28x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.25x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.51x Excellent → Excellent Stable Free cash flow relative to reported net income Optimal: > 1x	1.65x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.49x Good → Good Stable Free cash flow relative to reported net income Optimal: > 1x	1.44x Good → Good Stable Free cash flow relative to reported net income Optimal: > 1x	1.51x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.39x Good Good Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Return on Invested Capital (%)	20.8% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	19.7% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	19.7% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	24.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	23.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	19.4% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	19.2% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	21.4% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	28.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	28.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	25.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	23.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	19.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	16.7% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	16.6% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	19.2% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	18.7% Excellent → Excellent Stable Operating profit relative to total assets Optimal: > 10%	16.7% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	17.3% Excellent → Excellent Stable Operating profit relative to total assets Optimal: > 10%	19.3% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	17.1% Excellent → Excellent Stable Operating profit relative to total assets Optimal: > 10%	15.7% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	15.9% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	17.6% Excellent ↓ Excellent Declining Operating profit relative to total assets Optimal: > 10%	19.3% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	19.9% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	17.3% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	17.2% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	16.3% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	14.6% Good Good Operating profit relative to total assets Optimal: > 10%	14.4% Good Good Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	21.4% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+16%)	20.7% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	22.8% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+23%)	26.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+42%)	23.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+28%)	19.1% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	19.0% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	27.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+49%)	23.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+29%)	25.0% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+35%)	21.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	19.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	16.5% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	15.8% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	15.6% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	15.7% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Debt to Equity (x)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.17x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.08x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.01x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.13x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.17x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	—	—
Interest Coverage (x)	—	—	78.62x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	199.09x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	348.53x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	553.24x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	375.04x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	186.20x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	369.18x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	252.91x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	199.41x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	260.90x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	41.90x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	41.13x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	24.22x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	112.64x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$0.00	$60.00M	$275.00M	$115.00M	—	$-213.34M	$-93.63M	$-31.44M	$-114.77M	$-70.31M	$-148.31M	$-62.62M	$-113.62M	$-25.85M	$87.89M	$-125.52M	$-118.25M
Debt / EBITDA (x)	0.00x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.11x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.52x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.22x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	0.00x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.00x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	0.02x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.04x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.47x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.58x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 8 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Revenue per Share (USD)	$32.59	$30.41	$28.49	$26.50	$23.27	$22.10	$20.12	$19.04	$18.38	$17.06	$15.44	$13.82	$13.13	$11.86	$11.25	$9.89	—
Basic EPS, GAAP (USD)	$6.25	$5.24	$5.03	$4.95	$4.12	$3.86	$3.52	$4.73	$3.16	$3.13	$2.60	$2.20	$2.05	$1.79	$1.60	$1.39	—
Free Cash Flow per Share (USD)	$8.07	$7.00	$4.70	$6.41	$5.81	$5.95	$4.89	$4.82	$4.05	$3.90	$3.93	$3.63	$3.06	$2.58	$2.42	$1.94	—
Dividend per Share (USD)	$2.26	$2.14	$2.02	$1.90	$1.78	$1.66	$1.54	$1.36	$1.18	$1.06	$0.94	$0.84	$0.56	$0.44	$0.40	$0.36	—
Book Value per Share (USD)	$29.24	$25.28	$22.06	$18.84	$17.46	$20.18	$18.52	$17.12	$13.26	$12.54	$12.19	$11.40	$12.46	$11.35	$10.24	$8.87	—
Tangible Book Value per Share (USD)	$18.20	$14.24	$11.02	$9.47	$8.36	$11.24	$9.88	$8.71	$6.16	$5.58	$5.42	$4.89	$6.26	$5.19	$4.03	$8.87	—
Basic Weighted Avg Shares (shares)	72.87M	72.87M	72.92M	73.32M	75.55M	76.79M	77.16M	77.25M	77.86M	79.42M	81.35M	84.87M	86.04M	86.60M	85.95M	84.56M	—
Dividend Payout Ratio (%)	36.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.8% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	40.2% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	38.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	43.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.0% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	43.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	28.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	33.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	36.2% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	38.2% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Working Capital (USD)	$145.68M	$-1.80M	$104.20M	$69.69M	$22.88M	$174.26M	$99.49M	$22.69M	$48.84M	$-11.80M	$49.89M	$-56.30M	$35.63M	$66.41M	$-26.56M	—	—
LT Debt (USD)	$0.00	$60.00M	$275.00M	$115.00M	—	—	$0.00	$0.00	—	—	—	$7.76M	$14.28M	$131.46M	$151.01M	—	—
Total Equity (USD)	$2.13B	$1.84B	$1.61B	$1.38B	$1.32B	$1.55B	$1.43B	$1.32B	$1.03B	$996.21M	$991.53M	$967.39M	$1.07B	$983.06M	$879.78M	$750.37M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Jun 30, 2025 10-K ↗	FY 2024 Jun 30, 2024 10-K ↗	FY 2023 Jun 30, 2023 10-K ↗	FY 2022 Jun 30, 2022 10-K ↗	FY 2021 Jun 30, 2021 10-K ↗	FY 2020 Jun 30, 2020 10-K ↗	FY 2019 Jun 30, 2019 10-K ↗	FY 2018 Jun 30, 2018 10-K ↗	FY 2017 Jun 30, 2017 10-K ↗	FY 2016 Jun 30, 2016 10-K ↗	FY 2015 Jun 30, 2015 10-K ↗	FY 2014 Jun 30, 2014 10-K ↗	FY 2013 Jun 30, 2013 10-K ↗	FY 2012 Jun 30, 2012 10-K ↗	FY 2011 Jun 30, 2011 10-K ↗	FY 2010 Jun 30, 2010 10-K ↗	FY 2009 Jun 30, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$2.38B	$2.22B	$2.08B	$1.94B	$1.76B	$1.70B	$1.55B	$1.47B	$1.43B	$1.35B	$1.26B	$1.17B	$1.13B	$1.03B	$966.90M	$836.59M	—
Depreciation Expense (USD)	$43.70M	$46.34M	$48.72M	$50.79M	$52.52M	$52.21M	$47.38M	$47.98M	$49.68M	$50.57M	$54.16M	$52.94M	$51.97M	$45.32M	$41.91M	$36.59M	—
Net Income, GAAP (USD)	$455.75M	$381.82M	$366.65M	$362.92M	$311.47M	$296.67M	$271.88M	$365.03M	$245.79M	$248.87M	$211.22M	$186.72M	$176.65M	$154.98M	$137.47M	$117.87M	—
Operating Cash Flow (USD)	$641.50M	$568.04M	$381.56M	$504.63M	$462.13M	$510.53M	$431.13M	$412.14M	$357.32M	$366.42M	$373.79M	$341.66M	$309.17M	$264.55M	$240.13M	$218.70M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 68 quarters

JACK HENRY & ASSOCIATES INC

Analytical Summary

17-Year Financial Trajectory

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