ScoreWhy is Jack Henry & Associates, Inc. ?
1
High Management Efficiency with a high ROCE of 26.23%
2
Company has a low Debt to Equity ratio (avg) at times
3
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 641.51 MM
- DEBT-EQUITY RATIO (HY) Lowest at -2.38 %
- DIVIDEND PER SHARE(HY) Highest at USD 6.53
4
With ROCE of 24.88%, it has a very attractive valuation with a 8.64 Enterprise value to Capital Employed
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 5.51%, its profits have risen by 7.9% ; the PEG ratio of the company is 5.5
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Jack Henry & Associates, Inc. should be less than 10%
- Overall Portfolio exposure to Software Products should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Software Products)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Jack Henry & Associates, Inc. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Jack Henry & Associates, Inc.
-100.0%
0.57
22.77%
S&P 500
19.74%
0.81
19.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.96%
EBIT Growth (5y)
8.11%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
0.31
Net Debt to Equity (avg)
0.07
Sales to Capital Employed (avg)
1.08
Tax Ratio
22.87%
Dividend Payout Ratio
40.93%
Pledged Shares
0
Institutional Holding
99.92%
ROCE (avg)
26.23%
ROE (avg)
23.15%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
43
Industry P/E
Price to Book Value
9.16
EV to EBIT
34.72
EV to EBITDA
25.22
EV to Capital Employed
8.64
EV to Sales
8.10
PEG Ratio
5.51
Dividend Yield
88.27%
ROCE (Latest)
24.88%
ROE (Latest)
21.08%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 641.51 MM
DEBT-EQUITY RATIO
(HY)
Lowest at -2.38 %
DIVIDEND PER SHARE(HY)
Highest at USD 6.53
INTEREST COVERAGE RATIO(Q)
Highest at 9,856.66
RAW MATERIAL COST(Y)
Fallen by -6.34% (YoY
NET SALES(Q)
Highest at USD 615.37 MM
OPERATING PROFIT(Q)
Highest at USD 207.19 MM
OPERATING PROFIT MARGIN(Q)
Highest at 33.67 %
PRE-TAX PROFIT(Q)
Highest at USD 159.95 MM
NET PROFIT(Q)
Highest at USD 127.6 MM
EPS(Q)
Highest at USD 1.75
-1What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 33.18%
Here's what is working for Jack Henry & Associates, Inc.
Operating Cash Flow
Highest at USD 641.51 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Interest Coverage Ratio
Highest at 9,856.66
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Debt-Equity Ratio
Lowest at -2.38 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Dividend per share
Highest at USD 6.53 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 615.37 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 207.19 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 33.67 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 159.95 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 127.6 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.75
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by -6.34% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Jack Henry & Associates, Inc.
Dividend Payout Ratio
Lowest at 33.18%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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