What is the 13F Pro Quality Score for JKHY?

13F Pro ranks JACK HENRY & ASSOCIATES INC (JKHY) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View JKHY's current score at https://13fpro.ai/company/JKHY (free sign-up required for the full ranking).

Where does 13F Pro source JKHY data?

All JACK HENRY & ASSOCIATES INC fundamentals and ownership data come directly from SEC EDGAR. JACK HENRY & ASSOCIATES INC files with the SEC under CIK 779152. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is JKHY in?

JACK HENRY & ASSOCIATES INC (JKHY) is classified in the Technology sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/technology.

What drives JKHY's revenue?

Per JACK HENRY & ASSOCIATES INC's latest 10-K filed with the SEC on 2026-08-28, the biggest revenue drivers are: Payments ($936.0M, +7.2% YoY); Core ($768.5M, +4.8% YoY); Complementary ($752.2M, +8.3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/JKHY.

What are JKHY's largest expenses?

JACK HENRY & ASSOCIATES INC's latest 10-K reports these as the largest expense items: Cost of revenue ($1,433.7M, +5.4% YoY); Selling, general, and administrative ($299.2M, +5.7% YoY); Research and development ($176.4M, +8.4% YoY). Sourced directly from SEC EDGAR filing text for FY2026 (year ended June 30, 2026).

How often is JKHY research updated on 13F Pro?

JKHY's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

JACK HENRY & ASSOCIATES INC(JKHY)Stock Analysis

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13F Pro Quality Score

66.2/100

Rank #436 of 2,961 stocksTOP 25%

View Technology peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

50.5/100

Profitability

79.5/100

Balance Sheet

94.4/100

Earnings Quality

57.9/100

Free Cash Flow

81.1/100

Institutional Flow

17.6/100

Revenue Scale

67.0/100

Dilution Risk

50.5/100

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Why JKHY Scores 66/100

exact factor attribution · 2026-09-11

JKHY's composite is driven by free cash flow and capital efficiency, held back by institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Free cash flow

+4.7 pts

81th pct

Capital efficiency

+4.4 pts

94th pct

Profitability

+4.4 pts

80th pct

Scale

+2.5 pts

67th pct

Earnings growth

+0.9 pts

67th pct

Earnings quality

+0.8 pts

58th pct

Revenue growth

+0.1 pts

51th pct

Shareholder dilution

+0.0 pts

51th pct

Institutional flow

-1.6 pts

18th pct

Latest change (2026-08-28): 68 → 67 · ↓ Free cash flow 79→69; ↓ earnings_quality 57→43; despite ↑ Revenue growth 51→59

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

JKHY Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for JACK HENRY & ASSOCIATES INC (JKHY), a Technology sector company. 13F Pro's AI-powered ranking engine scores JKHY at 66.2/100 on a 32-signal composite quality model, placing it at rank #436 of 2,961 stocks — the top 25% of the AI-ranked universe. JKHY scores in the top quartile across balance sheet strength (94.4), free cash flow (81.1), profitability (79.5). Areas of concern include institutional flow (17.6), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), JACK HENRY & ASSOCIATES INC reports quarterly revenue of $644.0M, net income of $111.2M, an operating margin of 21.2%. Top institutional holders of JKHY by reported 13-F value include KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT, BlackRock, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. JKHY trades on the Nasdaq exchange and files with the SEC under CIK 779152. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate JKHY daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for JACK HENRY & ASSOCIATES INC directly from SEC EDGAR. JACK HENRY & ASSOCIATES INC's 13F Pro composite quality score has ranged between 64 and 73 since 2021, currently 66.2 — a declining long-term trajectory across 68 quarterly and live scoring snapshots.

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Fun facts about JACK HENRY & ASSOCIATES INC

Quirks, history, and lore behind JKHY — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial technology company · mid-cap · listed on Nasdaq · headquartered in a small city in southwest Missouri.
2
The Numbers
Annual revenue in the range of $2 billion, serving roughly 8,000 financial institutions — mostly community banks and credit unions across the country.
3
The History
Founded in the 1970s, it grew steadily by solving a problem big tech ignored: giving small-town banks the same software firepower as Wall Street giants.
4
The Secret
Its real moat is switching costs — once a community bank runs its core processing on this platform, leaving is about as fun as migrating a legacy mainframe on a Tuesday.
5
The Lore
It operates out of Monett, Missouri — population under 10,000 — proving you don't need a Silicon Valley zip code to become the backbone of community banking in America.
6
The Giveaway
Its ticker is basically its founders' initials, and its name literally combines a first name, a last name, and the word "Associates" — a very Missouri fintech energy.

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What's Driving JKHY's Business? Latest 10-K Breakdown

✓ 21/21 datapoints verified

AI-extracted from JACK HENRY & ASSOCIATES INC's 10-K filed 2026-08-28 — FY2026 (year ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Jack Henry grew FY2026 revenue 7.1% to $2.544B and net income 10.3% to $502.8M, with all four segments expanding and operating income up 11.7% to $635.0M.

Biggest Revenue Drivers

Payments$936.0M+7.2% YoY

Growth within card revenue and faster payments/payment processing revenues

Core$768.5M+4.8% YoY

Non-acquisition-related increases in data processing and hosting revenue within cloud

Biggest Revenue Drivers

Total revenue: $2.544B+7.1% YoY

Payments$936.0M+7.2% YoY

Growth within card revenue and faster payments/payment processing revenues

Core$768.5M+4.8% YoY

Non-acquisition-related increases in data processing and hosting revenue within cloud

Complementary$752.2M+8.3% YoY

Non-acquisition-related revenue increases in hosting within cloud and digital revenue

Corporate Services$87.7M+18.3% YoY

Increased license and hardware revenue, growth in processing fees, and rise in subscriptions revenue

Largest Expense Items

Cost of revenue$1,433.7M+5.4% YoY

Higher personnel costs, direct costs consistent with revenue growth, and higher amortization of capitalized software

Selling, general, and administrative$299.2M+5.7% YoY

Higher personnel costs including increased medical costs from second-half normalization and compensation tied to headcount growth

Research and development$176.4M+8.4% YoY

Higher personnel costs tied to headcount growth, reflecting continued investment in strategic products

Margins: Cost of revenue fell to 56% of total revenue from 57% and operating income grew 11.7% (faster than revenue), with management guiding to continued 'strong margin expansion' in fiscal 2027.

Watch Items from the Filing

Deconversion revenue (from clients terminating contracts, mostly via M&A) rose to $42.8M in fiscal 2026 from $33.9M in fiscal 2025.
Cash and cash equivalents fell to $12.1M at June 30, 2026 from $102.0M a year earlier, after $448.2M in share buybacks and $170.4M in dividends paid.
The IRS is actively examining the company's federal income tax returns for fiscal years 2023, 2024, and 2025.
Effective tax rate rose to 23.0% from 22.2% because investment tax credit benefits recognized in fiscal 2025 did not recur.
Risk factors disclose that certain contract renewals have resulted in price compression between former and renegotiated terms, which could pressure future revenue and margins.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-K on SEC EDGAR →Share on X

Revenue

Q2 2026

$644.0M

Net Income

Q2 2026

$111.2M

Free Cash Flow

Q2 2026

$282.2M

Operating Margin

Q2 2026

21.2%

ROIC

Q2 2026

26.2%

D/E Ratio

Q2 2026

0.02

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+7.1% YoY

$2.54BFY 2026

FY23 $2.08BFY24 $2.22BFY25 $2.38BFY26 $2.54B

Net Income

+10.3% YoY

$502.8MFY 2026

FY23 $366.6MFY24 $381.8MFY25 $455.7MFY26 $502.8M

Operating Income

+11.7% YoY

$635.0MFY 2026

FY23 $480.7MFY24 $489.4MFY25 $568.7MFY26 $635.0M

EPS (Diluted)

+11.9% YoY

$6.98FY 2026

FY23 $5.02FY24 $5.23FY25 $6.24FY26 $6.98

Total Assets

+3.3% YoY

$3.15BFY 2026

FY23 $2.77BFY24 $2.92BFY25 $3.04BFY26 $3.15B

Total Debt

$40.0MFY 2026

FY23 $275.0MFY24 $150.0MFY25 $0.00FY26 $40.0M

Op. Cash Flow

+18.8% YoY

$762.0MFY 2026

FY23 $381.6MFY24 $568.0MFY25 $641.5MFY26 $762.0M

Free Cash Flow

+18.1% YoY

$694.9MFY 2026

FY23 $342.4MFY24 $509.9MFY25 $588.1MFY26 $694.9M

Metric	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Revenue	$2.54B +7.1%	$2.38B +7.2%	$2.22B +6.6%	$2.08B +6.9%	$1.94B +10.5%	$1.76B
Net Income	$502.8M +10.3%	$455.7M +19.4%	$381.8M +4.1%	$366.6M +1.0%	$362.9M +16.5%	$311.5M
Operating Income	$635.0M +11.7%	$568.7M +16.2%	$489.4M +1.8%	$480.7M +1.3%	$474.6M +19.0%	$398.7M
EPS (Diluted)	$6.98 +11.9%	$6.24 +19.3%	$5.23 +4.2%	$5.02 +1.6%	$4.94 +19.9%	$4.12
Total Assets	$3.15B +3.3%	$3.04B +4.1%	$2.92B +5.4%	$2.77B +13.0%	$2.46B +5.1%	$2.34B
Total Debt	$40.0M	$0.00 -100.0%	$150.0M -45.5%	$275.0M +139.1%	$115.0M +14.9%	$100.1M
Operating Cash Flow	$762.0M +18.8%	$641.5M +12.9%	$568.0M +48.9%	$381.6M -24.4%	$504.6M +9.2%	$462.1M
Free Cash Flow	$694.9M +18.1%	$588.1M +15.3%	$509.9M +48.9%	$342.4M -27.1%	$470.0M +7.0%	$439.1M

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Available Research

13F Pro tracks comprehensive data for JACK HENRY & ASSOCIATES INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of JKHY

KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC
$718.1M5,213,188 sh
BlackRock, Inc.
$705.5M5,121,763 sh
VANGUARD CAPITAL MANAGEMENT LLC
$639.7M4,644,613 sh
STATE STREET CORP
$510.1M3,703,621 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$490.3M3,559,401 sh
GEODE CAPITAL MANAGEMENT, LLC
$378.8M2,753,826 sh
MORGAN STANLEY
$327.1M2,374,832 sh
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$290.0M2,105,562 sh
CIBC Bancorp USA Inc.
$262.9M1,908,794 sh
Invesco Ltd.
$259.1M1,881,300 sh

Fund	Value	Shares
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC	$718.1M	5,213,188
BlackRock, Inc.	$705.5M	5,121,763
VANGUARD CAPITAL MANAGEMENT LLC	$639.7M	4,644,613
STATE STREET CORP	$510.1M	3,703,621
VANGUARD PORTFOLIO MANAGEMENT LLC	$490.3M	3,559,401
GEODE CAPITAL MANAGEMENT, LLC	$378.8M	2,753,826
MORGAN STANLEY	$327.1M	2,374,832
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	$290.0M	2,105,562
CIBC Bancorp USA Inc.	$262.9M	1,908,794
Invesco Ltd.	$259.1M	1,881,300

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Is JKHY a good stock to buy?

13F Pro's AI-powered analysis of JACK HENRY & ASSOCIATES INC (JKHY) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for JKHY are available on the JKHY stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. JKHY is classified as a large company.

Which hedge funds own JKHY?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling JKHY. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of JACK HENRY & ASSOCIATES INC's investment landscape.