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
Range Bound setup · Catalyst-Driven edge
Technology · Information Technology Services
Wait for pullback to $145.76. At $150.58 the A.R:R is 0.5:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $145.76 (1 ATR pullback) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 7.3%; Earnings estimates trending DOWN.
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 $145.76. At $150.58 the A.R:R is 0.5:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $145.76 (1 ATR pullback) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 7.3%; Earnings estimates trending DOWN. Chart setup: RSI 56 mid-range, Bollinger mid-band. Wide-moat business. Accumulate on weakness. Score 6.1/10, moderate confidence.
Passes 5/9 gates (clean insider activity, news events none recent, earnings proximity 24d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and death cross (50MA < 200MA). Suitability: moderate.
Recent developments
updated 2026-07-26Recent Developments — Jack Henry & Associates, Inc.
Latest news
- 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
- NEWS Jack Henry & Associates Inc. stock outperforms competitors on strong trading day - MarketWatch — MarketWatch positive
- NEWS Candriam S.C.A. Purchases New Shares in Jack Henry & Associates, Inc. $JKHY - MarketBeat — MarketBeat positive
Generated 2026-07-26T08:08:26Z.
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
Wait for pullback to $145.76. At $150.58 the A.R:R is 0.5:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $145.76 (1 ATR pullback) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 7.3%; Earnings estimates trending DOWN. Chart setup: RSI 56 mid-range, Bollinger mid-band. Wide-moat business. Accumulate on weakness. Target $161.57 (+7.3%), stop $136.12 (−10.6%), A.R:R 0.5:1. Score 6.1/10, moderate confidence.
Take-profit target: $161.57 (+7.3% upside). Target $161.57 (+7.3%), stop $136.12 (−10.6%), A.R:R 0.5:1. Stop-loss: $136.12.
Thin upside margin: 7.3%; Earnings estimates trending DOWN; Below 200-MA, MA slope -1.3%/30d (confirmed downtrend).
Jack Henry & Associates, Inc. trades at a P/E of 20.7 (forward 21.2). TrendMatrix value score: 5.5/10. Verdict: Buy (Wait for Entry).
21 analysts cover JKHY with a consensus score of 4.0/5. Average price target: $186.
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.