Jack Henry & Associates

JKHY US Financials Transaction & Payment Processing Services
S&P 500
$161.12
-0.19%
Delayed · cached 15 min

Fair value analysis

JKHY
Jack Henry & Associates
FinancialsTransaction & Payment Processing Services
$161.12
Close used for this calculation
$150.75Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
62/100
Profitability23/25
Returns11/25
Balance Sheet19/25
Efficiency9/25
Growth15/25
Good
Quality radar
62Prof.23/25Ret.11/25Eff.9/25B.Sht19/25Growth15/25

Consensus fair value

$150.75
Near FV
▼ -6.4% against the close used
Model range $66.86 – $191.48
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$66.86Fair value$150.75Bull$191.48
FairClose
52-week traded range
52W low $123.4252W high $192.60

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

Jack Henry & Associates closed at $161.12, 6.9% above the consensus fair value of $150.75 drawn from 9 valuation models.

Financial DNA score 62/100 — Good. P/E of 23.1x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$191.48
+18.8%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$66.86
-58.5%
√(22.5 × EPS × BVPS)
EPS=6.98, BVPS=28.47 · outside Graham range (P/E 23.1, P/B 5.7) — asset-light, treat as a rough floor
P/E Fair Value
$139.60
-13.4%
EPS × 20x (sector P/E)
EPS=6.98, Sector P/E=20x
Peter Lynch (PEG)
$157.96
-2.0%
EPS × Growth% (PEG = 1 is fair)
EPS=6.98, g=22.6%
EV/EBITDA
$168.82
+4.8%
(EBITDA × 18x − Net Debt) ÷ Shares
EBITDA=677.14M
Dividend Discount (DDM)
$128.77
-20.1%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=2.38, r=10%, g=8%
Book Value (P/B)
$131.66
-18.3%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=28.47, ROE=24.5%, g=6%, r=10%
Reverse DCF
$161.12
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 9.1% | Historical: 22.6%
Margin of Safety
$99.48
-38.3%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=132.65, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.