Jack Henry & Associates Inc Dossier
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SectorInformation Technology IndustryInformation Technology Services Beta (adjusted)0.70 Intrinsic Value $203.95median of 6 methods · middle span $160-$265based on filings through 31 Mar 2026 Market Price $143.84Price as of 1 Oct 2026 UndervaluedIntrinsic value is 42% above the market price −50% · IV below pricenear fair value ±15%IV above price · +50% Data confidence Sign in to view data confidence Market Cap $10.1B Enterprise Value $10.2B Shares Outstanding 72M diluted Moat Rating Wide Next Earnings Date3 Nov 2026 Last ex-dividend1 Jun 2026 All prices and values are periodic snapshots, not live quotes. Source dates are shown for reference. ThesisStreet consensus, scenarios, merits, risks, and invalidation triggers Thesis Summary Jack Henry enters fiscal 2027 with solid operating momentum: fiscal 2026 GAAP revenue rose 7.1%, diluted EPS rose 11.9%, free cash flow reached $539.3 million, and the company recorded 58 competitive core wins. Management nevertheless guides to slower 5.5%-6.5% GAAP revenue growth, a modestly lower 24.5%-24.7% GAAP operating margin, and 5.0%-5.7% EPS growth in fiscal 2027. Strong core-win activity, processing growth, digital adoption, faster payments, cash generation, dividends, and repurchases support the long-term case, while slower guided growth, fourth-quarter margin contraction, deconversion variability, and execution demands around continued investment temper near-term upside. This section is the 12-month view: analyst targets and the probability-weighted scenarios built from them. The intrinsic value at the top of this page answers a different question: what the business is worth today. Street view · analyst 12-month targets Low · most bearish analyst$158.00 Mean target$186.67 High · most bullish analyst$208.00 Our research · scenarios, merits, risks, and invalidation triggersResearch as of 2 Sep 2026 Scenarios · 12-month scenario targets Bear CaseDownside scenario $145.0019% Implementation timing, personnel and software-related costs, weaker transaction activity, or elevated client deconversions push revenue growth, operating margin, or EPS below management's guidance floors. A loss of confidence in the pace and quality of growth produces a $145 scenario value. Base CaseCentral scenario $186.6758% Matches the consensus meanJack Henry delivers near the midpoint of fiscal 2027 guidance, with durable processing and hosted-service growth offset by slower headline growth and modest margin compression. Bull CaseUpside scenario $220.0023% Jack Henry reaches or exceeds the upper end of fiscal 2027 guidance as its record core-win pipeline converts into implementations, processing revenue remains resilient, and digital and faster-payment volumes sustain above-company growth. Better operating leverage after the difficult first-half comparison and continued capital returns support a $220 scenario value. Scenarios are anchored to street consensus at the research date, with our probabilities and rationale. Key Investment Merits
Key Investment Risks
All scenarios are estimates and subject to change. Past performance is not indicative of future results. Quality Pillars MembersThis section is available to registered members. Create a free account or sign in to unlock the full breakdown. Explore this dossierValuationIntrinsic value, the six-method breakdown, peer medians, and your assumptions sandbox.Financial SnapshotRevenue, profitability, returns, balance sheet, dividends, and the filing-level detail.Qualitative AnalysisBusiness overview, strategic initiatives, and mergers, acquisitions & partnerships.Outlook & Key DatesForward estimates, reporting calendar, and the monitoring framework. |