Jack Henry & Associates demonstrates a rare four-quarter perfect beat streak, high-quality net margins of 21%, and 25.5% upside to the analyst target at a 4-to-1 risk/reward—but a confirmed price downtrend at -2.6% per month slope and elevated leverage create timing risk for new positions despite the quality and asymmetry credentials.
Thesis pillars
- High Quality Margins Piotroski→Stable
- Four Quarter Perfect Beat Streak→Stable
- Favorable 25pct Upside Asymmetry↑Improving
- +1 more pillar — see the Why tab for full reasoning
Jack Henry & Associates, Inc. (JKHY) Stock Analysis
Range Bound setup · Temporary headwind edge
Technology · Information Technology Services
Wait for pullback to $148.51. Weak momentum; also recent C-suite change — blocks BUY_NOW at $153.31. Engine's entry $148.51 (1 ATR pullback) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 9.6%; Negative momentum.
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
Wait for pullback to $148.51. Weak momentum; also recent C-suite change — blocks BUY_NOW at $153.31. Engine's entry $148.51 (1 ATR pullback) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 9.6%; Negative momentum. Chart setup: RSI 50 mid-range, Bollinger mid-band. Earnings in 2 days. Wait until post-earnings. Score 5.6/10, moderate confidence.
Passes 5/8 gates (favorable risk/reward ratio, clean insider activity, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and earnings proximity 2d<=7d. Suitability: moderate.
Recent developments
updated 2026-08-16Recent Developments — Jack Henry & Associates, Inc.
Latest news
- NEWS Quantinno Capital Management LP Purchases 285,893 Shares of Jack Henry & Associates, Inc. $JKHY - MarketBeat — MarketBeat positive
- NEWS Jack Henry & Associates Inc. stock outperforms competitors despite losses on the day - MarketWatch — MarketWatch positive
- NEWS Jack Henry stock trades steadily as recurring revenue supports valuation - AD HOC NEWS — AD HOC NEWS positive
- NEWS Jack Henry stock trades steadily as recurring revenue supports valuation - Ad-hoc-news.de — Ad-hoc-news.de positive
- NEWS AI Worries Weighed on Jack Henry (JKHY) in Q2 - Yahoo Finance — Yahoo Finance negative
Generated 2026-08-16T14:22:10Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Material Events(8-K, last 90d)
- 2026-06-04Item 5.02MEDIUMDavid 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 1.01LOWJKHY 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 1.02MEDIUMPrior $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.
Show full disclosure ▾Hide full disclosure ▴
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.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
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.
Rating Breakdown
1 floor-breaker
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $148.51. Weak momentum; also recent C-suite change — blocks BUY_NOW at $153.31. Engine's entry $148.51 (1 ATR pullback) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 9.6%; Negative momentum. Chart setup: RSI 50 mid-range, Bollinger mid-band. Earnings in 2 days. Wait until post-earnings. Target $168.00 (+9.6%), stop $140.05 (−9.5%), A.R:R 1.5:1. Score 5.6/10, moderate confidence.
Take-profit target: $168.00 (+9.6% upside). Target $168.00 (+9.6%), stop $140.05 (−9.5%), A.R:R 1.5:1. Stop-loss: $140.05.
Thin upside margin: 9.6%; Negative momentum.
Jack Henry & Associates, Inc. trades at a P/E of 21.4 (forward 21.6). TrendMatrix value score: 5.4/10. Verdict: Buy (Wait for Entry).
22 analysts cover JKHY with a consensus score of 4.0/5. Average price target: $187.
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.