JKHY Financials Jack Henry & Associates

15 years of revenue, profit, cash flow and balance-sheet history through FY2026, from SEC filings — with a computed, factual read of the trend. Updated 20 d ago Overview →

Growth & profitability

Revenue has grown 7.7% per year over the past 5 years.
Net income has grown faster than revenue (10.1% vs 7.7% per year).
Operating margin has expanded, at 25.0% in the latest year.
Free cash flow has grown 9.6% per year over the past 5 years.

Financial health

Total debt ($40M) exceeds cash ($12M); net debt is $28M.
Total debt has grown slower than revenue (-23.2% vs 7.7% per year).
Total debt is 0.1× EBITDA.

Shareholder returns

Dividends have been paid for 15 consecutive years, consuming 33.9% of earnings and 24.5% of free cash flow.
The dividend has grown 5.0% per year over the past 5 years.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2026	$2.5B	$503M	43.7%	25.0%	24.5%	16.0%	$695M	$40M	$12M
2025	$2.4B	$456M	42.7%	23.9%	21.4%	15.0%	$588M	$0	$102M
2024	$2.2B	$382M	41.3%	22.1%	20.7%	13.1%	$510M	$60M	$38M
2023	$2.1B	$367M	41.3%	23.1%	22.8%	13.2%	$342M	$275M	$12M
2022	$1.9B	$363M	41.9%	24.4%	26.3%	14.8%	$470M	$115M	$49M
2021	$1.8B	$311M	39.5%	22.7%	23.6%	13.3%	$439M	—	$51M
2020	$1.7B	$297M	40.6%	22.4%	19.1%	12.2%	$457M	—	$213M
2019	$1.6B	$272M	40.6%	22.4%	19.0%	12.4%	$378M	$0	$94M
2018	$1.5B	$365M	42.0%	24.3%	27.6%	18.0%	$372M	$0	—
2017	$1.4B	$230M	44.1%	24.6%	20.9%	12.0%	$315M	$50M	—
2016	—	$249M	—	—	25.0%	13.7%	$310M	$200000	—
2015	—	$211M	—	—	21.3%	11.5%	$319M	$53M	—
2014	—	$187M	—	—	19.3%	11.1%	$308M	$9M	—
2013	—	$168M	—	—	16.5%	10.0%	$263M	$15M	—
2012	—	$152M	—	—	16.2%	9.4%	$223M	$132M	—

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	$644M	$111M	42.5%	21.2%	5.4%	3.5%	$282M	$40M	$12M
Mar '26	$636M	$123M	42.8%	24.4%	5.8%	4.0%	$170M	$90M	$21M
Dec '25	$619M	$125M	43.3%	25.7%	5.7%	4.1%	$131M	$20M	$28M
Sep '25	$645M	$144M	45.9%	28.5%	6.6%	4.7%	$112M	$20M	$36M
Jun '25	$615M	$128M	44.1%	25.3%	6.0%	4.2%	$315M	$0	$102M
Mar '25	$585M	$111M	41.8%	23.7%	5.5%	3.8%	$96M	$170M	$40M
Dec '24	$574M	$98M	42.0%	21.4%	5.0%	3.4%	$73M	$150M	$26M
Sep '24	$601M	$119M	42.9%	25.2%	6.2%	4.1%	$104M	$140M	$43M
Jun '24	$560M	$101M	41.5%	22.4%	5.5%	3.5%	$208M	$60M	$38M
Mar '24	$539M	$87M	39.1%	20.8%	4.9%	3.1%	$88M	—	$27M
Dec '23	$546M	$92M	41.2%	21.8%	5.3%	3.3%	$65M	—	$27M
Sep '23	$571M	$102M	43.5%	23.2%	6.1%	3.7%	$150M	—	$31M
Jun '23	$535M	$98M	42.2%	23.2%	6.1%	3.5%	$163M	$275M	$12M
Mar '23	$509M	$82M	39.6%	21.3%	5.3%	3.1%	$6M	—	$27M
Dec '22	$505M	$81M	39.7%	21.2%	5.3%	3.1%	$44M	—	$26M
Sep '22	$529M	$107M	43.6%	26.6%	7.3%	4.1%	$129M	—	$32M
Jun '22	$483M	$80M	40.6%	21.5%	5.8%	3.3%	$197M	$115M	$49M
Mar '22	$478M	$85M	41.0%	23.3%	6.4%	3.7%	$98M	—	$40M
Dec '21	$494M	$96M	42.7%	25.4%	7.5%	4.2%	$78M	—	$29M
Sep '21	$488M	$102M	43.3%	27.4%	7.3%	4.5%	$97M	—	$44M

Valuation over time

How the market has priced JKHY against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has fallen from 29.1× (Mar '23) to 23.5× (Sep '26).
The price-to-sales ratio has fallen from 5.4× (Mar '23) to 4.6× (Sep '26).
The dividend yield has risen from 1.3% (Mar '23) to 1.4% (Sep '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Dividend yield (%)

Dividend yield %

Frequently asked questions

Is JKHY growing its revenue and profit?

Over the past 5 years, Jack Henry & Associates's revenue has grown 7.7% per year, and net income grown 10.1% per year. These are computed facts, not advice.

How much debt does JKHY have?

As of FY2026, Jack Henry & Associates reported $40M of total debt against $12M of cash.

What is JKHY's profit margin?

In FY2026, gross margin was 43.7%, operating margin 25.0%, and net margin 19.8%.

What is JKHY's P/E ratio?

As of Sep '26, Jack Henry & Associates traded at a price-to-earnings ratio of about 23.5× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.