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 Aug 30, 2026, 10:12 UTC 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 22.8× (Nov '26).
The price-to-sales ratio has fallen from 5.4× (Mar '23) to 4.5× (Nov '26).
The dividend yield has risen from 1.3% (Mar '23) to 1.5% (Nov '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?

Jack Henry & Associates's P/E (TTM) is 22.78 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the JKHY stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 22.8× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.