Jack Henry & Associates (JKHY) Stock Analysis & Winston Score

Jack Henry & Associates, Inc. provides technology solutions and payment processing services primarily for financial services organizations in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutions under the Jack Henry Banking brand; core data processing solutions for various credit unions under the S

Winston Score History

Politician Trades

15 trades / 12mo

7 Congressional buys and 8 sells on JKHY in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+8.7% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+11.8% YoY

YoY Growth Rate

Steady EPS growth

Insider Activity

0.7%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$21M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Jack Henry & Associates is growing revenue at 9% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

42.8%

Healthy — 42.8% gross margin

Operating Margin

24.4%

Excellent — 24.4% operating margin

ROCE

7.0%

Weak — 7.0% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+6.0%

Slow sales growth (6.0% YoY)

EPS YoY

+13.7%

Earnings growing (13.7% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

159%

Turns 159% of profit into real cash

FCF Margin

29.0%

Converts sales into free cash efficiently (29.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.04

Conservative — low debt load (0.04)

Interest Cover

82.81x

Comfortably covers interest (82.8x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

20.3x

no trend

Growth-priced — P/E 20.3

P/E above the market average. People are paying up for expected growth.

P/E vs Forward

+0.1

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

1.62%

no trend

Small dividend — 1.62% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+5.3%

no trend

Dividend growing modestly (5.3% YoY)

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