Jack Henry is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing for U.S. banks and credit unions, with a focus on small and midsize banks. Jack Henry serves almost 1,000 banks and over 700 credit unions.

Financial Strength

8/10

Name	Current	Vs Industry
Cash-To-Debt	0.11
Equity-to-Asset	0.63
Debt-to-Equity	0.15
Debt-to-EBITDA	0.37
Interest Coverage	26.68
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	10.01	Distress Grey Safe
Beneish M-Score	-2.49	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	8.8
	3-Year EBITDA Growth Rate	9
	3-Year EPS without NRI Growth Rate	9.2
	3-Year FCF Growth Rate	-18
	3-Year Book Growth Rate	2.9
	Future 3-5Y EPS without NRI Growth Rate	7.7
	Future 3-5Y Total Revenue Growth Rate	6.9

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	39.5
	9-Day RSI	40.14
	14-Day RSI	41.49
	6-1 Month Momentum %	18.57
	12-1 Month Momentum %	7.51

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.37
	Quick Ratio	1.37
	Cash Ratio	0.07
	Days Sales Outstanding	48.86
	Days Payable	4.93

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.27
	Dividend Payout Ratio	0.41
	3-Year Dividend Growth Rate	6.8
	Forward Dividend Yield %	1.33
	5-Year Yield-on-Cost %	1.87
	3-Year Average Share Buyback Ratio	1.7
	Shareholder Yield %	0.75

Profitability Rank

10/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	41.67
	Operating Margin %	22.42
	Net Margin %	17.27
	FCF Margin %	9.77
	ROE %	23.19
	ROA %	13.87
	ROIC %	15.11
	ROC (Joel Greenblatt) %	167.04
	ROCE %	22.16
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	32.27
	Forward PE Ratio	29.26
	PE Ratio without NRI	32.27
	Shiller PE Ratio	36.16
	Price-to-Owner-Earnings	54.76
	PEG Ratio	4.03
	PS Ratio	5.56
	PB Ratio	6.97
	Price-to-Tangible-Book	46.58
	Price-to-Free-Cash-Flow	56.98
	Price-to-Operating-Cash-Flow	28.08
	EV-to-EBIT	24.55
	EV-to-Forward-EBIT	22.37
	EV-to-EBITDA	17.65
	EV-to-Forward-EBITDA	16.38
	EV-to-Revenue	5.7
	EV-to-Forward-Revenue	5.21
	EV-to-FCF	58.33
	Price-to-Projected-FCF	2.56
	Price-to-DCF (Earnings Based)	2.06
	Price-to-DCF (FCF Based)	4.94
	Price-to-Median-PS-Value	0.86
	Price-to-Peter-Lynch-Fair-Value	3.84
	Price-to-Graham-Number	8.18
	Earnings Yield (Greenblatt) %	4.07
	FCF Yield %	1.76
	Forward Rate of Return (Yacktman) %	10.58

GF Value: $206.59

JKHY

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