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→Stable
- +1 more pillar — see the Why tab for full reasoning
Jack Henry & Associates, Inc. (JKHY) Stock Analysis
Recovery setup
Technology · Information Technology Services
Sell if holding. At $146.87, A.R:R 0.7:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 6.4): -1.5; Thin upside margin: 9.9%.
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
Sell if holding. At $146.87, A.R:R 0.7:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 6.4): -1.5; Thin upside margin: 9.9%. Chart setup: Death cross but MACD improving, RSI 77. Score 5.7/10, moderate confidence.
Passes 7/10 gates (positive momentum, clean insider activity, positive momentum, news events none recent, earnings proximity 46d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Recent developments
updated 2026-07-06Recent Developments — Jack Henry & Associates, Inc.
Latest news
- NEWS Here's why Jack Henry (JKHY) is a strong growth stock - MSN — MSN positive
- NEWS Jack Henry (JKHY) Boosts Deconversion Revenue Forecast for Fisca - GuruFocus — GuruFocus positive
- NEWS Jack Henry Announces Fiscal 2026 Third Quarter Deconversion Revenue Results - PR Newswire — PR Newswire positive
- NEWS Jack Henry's Annual Survey of Financial Institutions Highlights Priorities Amid Economic Uncertainty and a New Hybrid Mo — PR Newswire neutral
- NEWS Jack Henry & Associates (JKHY) to Release Quarterly Earnings on Tuesday - MarketBeat — MarketBeat neutral
Generated 2026-07-06T04:40:27Z.
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.
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Rating Breakdown
1 floor-breaker
Technicals 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. At $146.87, A.R:R 0.7:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 6.4): -1.5; Thin upside margin: 9.9%. Chart setup: Death cross but MACD improving, RSI 77. Prior stop was $137.13. Score 5.7/10, moderate confidence.
Take-profit target: $161.35 (+9.9% upside). Prior stop was $137.13. Stop-loss: $137.13.
Thin upside margin: 9.9%; Leverage penalty (D/E 6.4): -1.5; Overbought (RSI 77).
Jack Henry & Associates, Inc. trades at a P/E of 20.5 (forward 20.7). TrendMatrix value score: 5.6/10. Verdict: Sell.
22 analysts cover JKHY with a consensus score of 4.1/5. Average price target: $185.
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.