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JKHYJack Henry & Associates, Inc.Sell6.0·$129.29-0.81%
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Jack Henry & Associates, Inc. (JKHY) Stock Analysis

SellDEATH CROSS (EXEMPT)VALUE-TRAP 1/5Moderate Confidence

Technology · Information Technology Services

Sell if holding. Multiple concerning factors at $129.29: Leverage penalty (D/E 6.4): -1.5; Below 200-MA, MA slope -2.6%/30d (confirmed downtrend).

Jack Henry & Associates serves approximately 7,400 community and regional financial institutions with core banking systems, payment processing, and complementary technology solutions. Revenue is primarily recurring through cloud-hosted clients on six-year contracts and... Read more

$129.29+26.5% A.UpsideScore 6.0/10#6 of 34 Information Technology Services
QualityF-score8 / 9FCF yield4.03%
IncomeYield1.83%(5y avg 1.22%)Payout32.82%sustainable
Stop $121.35Target $163.56(analyst − 13%)A.R:R 4.3:1
Analyst target$188.00+45.4%13 analysts
$163.56our TP
$129.29price
$188.00mean
$208

Sell if holding. Multiple concerning factors at $129.29: Leverage penalty (D/E 6.4): -1.5; Below 200-MA, MA slope -2.6%/30d (confirmed downtrend). Chart setup: No clear chart pattern; technical signals are mixed. Score 6.0/10, moderate confidence.

Passes 8/11 gates (positive momentum, favorable risk/reward ratio, clean insider activity, positive momentum, news events none recent, earnings proximity 63d clear, semi cycle peak clear, materials cycle peak clear). Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-17

Recent Developments — Jack Henry & Associates, Inc.

Material events (past 30 days)

  • 8K Jun 4, 2026 MEDIUM Item 5.02: David B. Foss, Chair of the Board (former CEO 2016-2024), notified the Board of intent to retire as a director effective July 15, 2026. No successor Chair named. No disagreement with company, management, or Board cited.

Generated 2026-06-17T09:26:57Z.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Aug 18, 202663d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
High-quality business
Analyst upside: 27%
Risks
Leverage penalty (D/E 6.4): -1.5
Below 200-MA, MA slope -2.6%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)18.2
P/E (Fwd)18.4
Mkt Cap$9.3B
EV/EBITDA13.1
Profit Mgn20.6%
ROE24.9%
Rev Growth8.7%
Beta0.57
Dividend1.83%
Rating analysts22

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C2.73bearish
IV45%normal
Max Pain$240+85.6% vs spot

Material Events(8-K, last 90d)

  • 2026-06-04Item 5.02MEDIUM
    David B. Foss, Chair of the Board (former CEO 2016-2024), notified the Board of intent to retire as a director effective July 15, 2026. No successor Chair named. No disagreement with company, management, or Board cited.
    SEC filing →
  • 2026-03-26Item 1.01LOW
    JKHY entered a $1.0 billion five-year revolving unsecured credit agreement on March 25, 2026, replacing the prior $600 million facility. U.S. Bank National Association serves as Administrative Agent. No default events.
    SEC filing →
  • 2026-03-26Item 1.02MEDIUM
    Prior $600 million revolving unsecured credit agreement (dated August 31, 2022, maturity Aug 31, 2027) terminated March 25, 2026 simultaneously with closing of the new $1.0 billion facility. No early termination penalties cited.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesMomentum 5.3<5.5 (soft — BUY_NOW allowed but watch)Death cross exempted (quality + momentum high enough)Executive change: officer departure/appointmentMomentum 5.3>=4.5A.R:R 4.3 ≥ 1.5Insider activity: OKNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 63d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
38 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $124.63Resistance $144.02

Price Targets

$121
$164
A.Upside+26.5%
A.R:R4.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Analyst Consensus

Analysts22
Consensus4.1/5
Avg Target$188

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-08-18 (63d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is JKHY stock a buy right now?

Sell if holding. Multiple concerning factors at $129.29: Leverage penalty (D/E 6.4): -1.5; Below 200-MA, MA slope -2.6%/30d (confirmed downtrend). Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $121.35. Score 6.0/10, moderate confidence.

What is the JKHY stock price target?

Take-profit target: $163.56 (+26.5% upside). Prior stop was $121.35. Stop-loss: $121.35.

What are the risks of investing in JKHY?

Leverage penalty (D/E 6.4): -1.5; Below 200-MA, MA slope -2.6%/30d (confirmed downtrend).

Is JKHY overvalued or undervalued?

Jack Henry & Associates, Inc. trades at a P/E of 18.2 (forward 18.4). TrendMatrix value score: 6.6/10. Verdict: Sell.

What do analysts say about JKHY?

22 analysts cover JKHY with a consensus score of 4.1/5. Average price target: $188.

What does Jack Henry & Associates, Inc. do?Jack Henry & Associates serves approximately 7,400 community and regional financial institutions with core banking...

Jack Henry & Associates serves approximately 7,400 community and regional financial institutions with core banking systems, payment processing, and complementary technology solutions. Revenue is primarily recurring through cloud-hosted clients on six-year contracts and electronic payment processing fees, with a client base spanning over 950 banks and 715 credit unions on core platforms.

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