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
Falling Knife setup
Technology · Information Technology Services
Sell if holding. Momentum 1.1/10 is below the 5.0 floor at $147.88 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Sector modifier (Technology): -0.8; Weak growth.
Jack Henry & Associates, Inc. is a financial technology company providing core data processing, digital banking, payments, and complementary technology solutions to approximately 7,400 community and regional banks, credit unions, and other corporate entities. The company... Read more
Sell if holding. Momentum 1.1/10 is below the 5.0 floor at $147.88 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Sector modifier (Technology): -0.8; Weak growth. Chart setup: Death cross, below all MAs, RSI 28, MACD bearish. Score 5.1/10, moderate confidence.
Passes 6/9 gates (favorable risk/reward ratio, clean insider activity, news events none recent, earnings proximity 39d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: moderate.
About Jack Henry & Associates, Inc.
About Jack Henry & Associates, Inc.
Jack Henry & Associates serves approximately 7,400 financial institutions and corporate entities, including over 950 banks on one of three core processing platforms and about 715 credit unions on its Symitar platform — roughly 1,670 core clients plus over 5,710 non-core clients. Its SilverLake System alone serves 520 banks, nearly 12% of the roughly 4,440 U.S. banks with $55 billion or less in assets, with support revenue anchored by six-year hosted-cloud and one-year on-premise contracts.
Jack Henry earns revenue from software license fees and ongoing annual support fees (typically priced around 20% of the license fee) for on-premise clients, recurring per-account and minimum-guarantee fees from clients who outsource core processing to its private cloud under six-year contracts, and hardware remarketing through agreements with IBM, Lenovo, Dell, Hewlett Packard Enterprise, and Cisco, among other providers. Complementary and payment products layer on top of the core platforms, including JHA Card Processing Solutions, Enterprise Payment Solutions, and the Payrailz payments platform, which connect to card networks and faster-payment rails such as Visa, Mastercard, Zelle, FedNow, and The Clearing House's RTP network. The company has completed 35 acquisitions since fiscal 1999 — most recently Payrailz in fiscal 2023 — to expand its complementary product suite, and it is investing in the cloud-native, API-first Jack Henry Platform to modernize core functions like wire transfers, general ledger, and deposit servicing for clients seeking public-cloud delivery.
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Jack Henry's shift toward outsourced infrastructure concentrates a risk the 10-K names directly: as the company moves more computing, storage, and processing out of its own data centers, it relies on certain third-party vendors for large portions of its hosting needs, and that reliance is set to deepen as more clients move to private and public cloud delivery. Because Jack Henry doesn't control those vendors' operations, a failure at one of these concentrated hosting partners could disrupt service delivery to a meaningful share of its roughly 7,400 financial-institution and corporate clients simultaneously, a risk distinct from the software-defect or in-house infrastructure failures the filing also describes.
See also: Technology · Information Technology Services
From Jack Henry & Associates, Inc.'s most recent 10-K filing, extracted August 30, 2026.
Recent developments
updated 2026-09-25Recent 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 2026-09-25T20:57:25Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMcounterpartythird-party hosting vendors10-K Item 1A: 'we use certain third-party vendors to provide large portions of our hosting needs'
Material Events(8-K, last 90d)
- 2026-06-04Item 5.02MEDIUMDavid B. Foss, Chair of the Board and former CEO (2016-2024), notified the Board on May 29, 2026 of his intent to retire as a director effective July 15, 2026; the company states his departure does not relate to any disagreement with management or the Board.SEC filing →
- 2026-03-26Item 1.01MEDIUMOn March 25, 2026, the company entered a new $1.0 billion, five-year unsecured revolving Credit Agreement with U.S. Bank as administrative agent, replacing and terminating its existing $600 million facility (~$80 million outstanding refinanced into the new facility); no early termination penalties.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
2 floor-breakers
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Growth 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
Sell if holding. Momentum 1.1/10 is below the 5.0 floor at $147.88 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Sector modifier (Technology): -0.8; Weak growth. Chart setup: Death cross, below all MAs, RSI 28, MACD bearish. Prior stop was $142.12. Score 5.1/10, moderate confidence.
Take-profit target: $171.21 (+15.8% upside). Prior stop was $142.12. Stop-loss: $142.12.
Sector modifier (Technology): -0.8; Weak growth; Negative momentum.
Jack Henry & Associates, Inc. trades at a P/E of 21.1 (forward 18.8). TrendMatrix value score: 6.0/10. Verdict: Sell.
23 analysts cover JKHY with a consensus score of 4.0/5. Average price target: $190.
What does Jack Henry & Associates, Inc. do?Jack Henry & Associates, Inc. is a financial technology company providing core data processing, digital banking,...
Jack Henry & Associates, Inc. is a financial technology company providing core data processing, digital banking, payments, and complementary technology solutions to approximately 7,400 community and regional banks, credit unions, and other corporate entities. The company operates three core banking platforms (SilverLake, CIF 20/20, Core Director) supporting over 950 banks and one core credit union platform (Symitar) supporting about 715 credit unions.