Added to YB: 2026-08-27
Pitch date: 2026-08-20
JKHY [neutral]
Jack Henry & Associates, Inc.
+4.19%
current return
Author Info
Bob’s Payment Stock Substack is a former analyst and portfolio manager. Fundamental buy-and-hold investor. Talking stocks and markets. Focus on Payments, Financial Technology, and Payroll and HCM. Sign up for the newsletter.
Company Info
Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services.
Market Cap
$12.1B
Pitch Price
$165.45
Price Target
N/A
Dividend
1.43%
EV/EBITDA
14.31
P/E
24.43
EV/Sales
4.81
Sector
Financial Services
Category
growth
Payments and FinTech Earnings Recap: Q2 2026 - Jack Henry & Associates, Inc.
JKHY (earnings): FY26 beat: organic rev +6.6% in FQ4 (above exp), non-GAAP op margin +90bps to 24%, FCF conversion 101%. Core wins accelerating: 58 in FY26 (vs 51), 59% attached digital/card (vs 39%); QTD core wins (50 days) already topped all of FY26 Q1 (92 days). Taking share from everyone, not just disrupted FISV. FY27 guide: ~7% organic (midpoint 6.8%, -50bps y/y, ~80bps below 5yr avg 7.6%) — wins not yet flowing to rev accel; 20-40bps margin expansion, cautiously optimistic to beat but cyber/AI/data-center spend caps upside. Potential low-key AI efficiency winner. Valuation: 23x NTM EPS — cheaper than history, not cheap.
Read full article (2 min)