Jack Henry & Associates, Inc. research snapshot
JKHY AI stock analysis currently reads Jack Henry & Associates as a profitable financial technology infrastructure company serving community and regional banks, credit unions, and corporate clients. The stock was quoted at $146.71 on July 7, 2026, and market cap math verified about $10.42 billion using 71.05 million shares outstanding. The business case is supported by 8.0% fiscal year-to-date revenue growth through March 31, 2026, sticky core processing relationships, cloud migration, faster payments growth, and strong free cash flow. The caution is that JKHY still trades below its 200-day moving average, full-year scenarios depend on continued bank technology spending, and the JKHY AI stock forecast should be treated as a range of outcomes rather than a price promise.
Current price
$146.71
Market cap
$10.42 billion verified market cap
AI score
70 / 100
Rating
High-quality bank technology compounder with sticky clients, strong cash generation, moderate valuation, and a damaged long-term chart
Trend status
Short-term recovery above the 20-day and 50-day averages, but still below the 200-day average after a large drawdown from the January 2026 high
Data cutoff (updated weekly)
July 8, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Jack Henry sells core processing, payments, digital banking, cloud hosting, and complementary software to roughly 7,400 financial institution and corporate clients. | High |
| Moat | The moat comes from switching costs, regulated workflows, uptime needs, long implementation cycles, product breadth, and trust with community banks and credit unions. | Medium-high |
| Management | CEO Gregory Adelson and CFO Mimi Carsley are steering a mature fintech infrastructure business through cloud migration, payments growth, margin control, buybacks, and dividends. | Medium |
| Financial trend | Fiscal 2025 revenue rose 7.2% to $2.375 billion, net income rose 19.4% to $455.7 million, and fiscal 2026 year-to-date revenue through March 31 rose 8.0% to $1.900 billion. | High |
| Valuation | At $146.71, audited math shows about 20.1x TTM EPS, 4.9x book value, 14.3x free cash flow per share, 4.1x revenue per share, and a 1.6% dividend yield. | Medium-high |
| Technical trend | Technical signals improved in early July, with price above the 20-day and 50-day averages, but the 200-day average near $158 remains major resistance. | Medium |
| Risk level | Risk is moderate. The balance sheet has limited credit-facility debt, but the thesis can be hurt by bank consolidation, deconversions, pricing pressure, cloud execution costs, and a renewed break below support. | Medium-high |
| AI confidence | Descriptive data confidence is high. Return confidence is lower because the bull case needs sustained mid-single-digit to high-single-digit growth and a valuation multiple that does not compress. | High data confidence |
| Investment certainty | JKHY screens as a quality compounder at a fair but not obviously distressed valuation. Certainty improves if revenue growth stays near guidance while the stock reclaims the 200-day average. | Medium |
JKHY AI stock forecast
The JKHY AI stock forecast uses the $146.71 price reference, TTM EPS near $7.31, and a three-year earnings multiple framework. The audited model produced a bearish value near $103, a base value near $165, and a bullish value near $221 before dividends. These are scenario ranges, not price promises.
$205 to $225
More likely if fiscal 2026 revenue lands near or above the roughly $2.53 billion expectation, cloud, digital, card, and faster payments growth stays healthy, margins expand, and the market awards JKHY a premium low-20s earnings multiple.
$155 to $170
More likely if JKHY compounds EPS at a mid-single-digit pace, keeps client retention strong, offsets deconversion revenue, and trades near 20x forward earnings with normal dividend support.
$100 to $110
More likely if bank M&A accelerates client losses, cloud migration costs pressure margins, payments growth slows, deconversion revenue quality is discounted, or the stock is re-rated toward a mid-teens earnings multiple.
JKHY AI technical analysis
JKHY AI technical analysis uses market and technical data available at the July 8, 2026 cutoff. StockAnalysis showed a July 7, 2026 price of $146.71 and a $10.42 billion market cap. TipRanks technical data showed RSI near 67.6, a 20-day moving average near $131.31, a 50-day moving average near $137.99, and a 200-day moving average near $158.17. The setup is a short-term rebound inside a longer-term repair process.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $146.71 | July 7, 2026 StockAnalysis price reference used for market cap verification. |
| Immediate support | $138 to $142 | This zone includes the 50-day moving average area and the recent rebound support that bulls need to defend. |
| Moving average support | $137.99 | TipRanks reported the 50-day moving average near this level at the July 8, 2026 data cutoff. |
| Deeper support | $131 to $134 | The 20-day moving average and prior volume support make this a lower tactical support zone if the rebound fades. |
| Near resistance | $150 to $152 | A close above this zone would show follow-through after the early July rebound. |
| Major resistance | $158 to $160 | The 200-day moving average near $158.17 is the key longer-term trend repair level. |
| Momentum | RSI near 67.6 | Momentum is constructive but close enough to overbought territory that entries after fast rebounds need discipline. |
| Volume | 1.39 million shares on July 7 | Robinhood market data showed volume near 1.39 million versus average daily volume near 1.48 million. |
| Volatility | 52-week high near $193.39 | MarketWatch reported the stock remained more than 20% below its January 15, 2026 high after the July rebound. |
| Invalidation | Close below $138 | A decisive break back below the 50-day average would weaken the short-term trend-following setup. |
JKHY AI trading strategy
The JKHY AI trading strategy below is a rules-based research framework, not personal advice. It connects trend levels with bank technology demand, deconversion revenue, cloud migration, payments volume, buybacks, dividend coverage, and earnings revisions.
Watch for JKHY to hold the $138 to $142 support area, move through $150 to $152 on steady volume, and then test the 200-day moving average near $158 while company data confirms cloud, digital, card, and faster payments growth.
A close below $138, a fiscal 2026 guidance cut, or weaker client migration commentary should reduce trend-following confidence.
If JKHY pulls back toward the 50-day average without a change in revenue, margin, cash flow, or client retention assumptions, compare the entry price with the audited base scenario and the stock own historical premium multiple.
Do not treat the pullback as cheap if bank consolidation, deconversion revenue, or competitive displacement worsens.
Track fiscal 2026 revenue guidance, services and support growth, processing revenue growth, cloud hosting migration, faster payments, card volume, operating margin, free cash flow, share repurchases, and dividend coverage.
Position sizing should reflect that JKHY is a quality infrastructure business, but not an assured compounder at any price.
Investment research summary
Customers pay Jack Henry because banks and credit unions need reliable, compliant, always-on systems for core processing, payments, digital banking, data, fraud, and operational workflows.
The moat is built from switching costs, regulatory complexity, uptime requirements, product breadth, integration depth, and a long operating record with community and regional financial institutions.
The thesis fails if client consolidation reduces the addressable base, cloud migration does not protect margins, bank technology budgets slow, modern challengers win modular workloads, or deconversion revenue masks weaker recurring quality.
Gregory Adelson became CEO in 2024 after long tenure inside Jack Henry. The capital allocation test is whether management balances cloud investment, disciplined buybacks, dividends, and product breadth without losing operating focus.
Digital banking, real-time payments, fraud prevention, cloud hosting, and regulatory technology remain long-term needs for smaller financial institutions. The trend supports demand, but bank consolidation and vendor competition limit unchecked pricing power.
At $146.71, JKHY is not priced like a distressed stock. The margin of safety depends on durable high-single-digit revenue growth, high free cash flow conversion, and avoiding a multiple reset below the high-teens earnings range.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| JKHY quote reference | $146.71 stock price on July 7, 2026 | StockAnalysis JKHY market cap page | July 8, 2026 |
| Market capitalization verification | $10.42 billion calculated from $146.71 x 71.05 million shares, with 0.04% variance versus reported market cap | Pineify financial_rigor.py and StockAnalysis | July 8, 2026 |
| Shares outstanding | 71,050,780 shares outstanding as of April 24, 2026; StockAnalysis also reported 71.05 million shares | SEC Form 10-Q and StockAnalysis statistics | July 8, 2026 |
| FY2025 revenue | $2.375 billion, cross-validated against Macrotrends with 0.01% variance | Jack Henry FY2025 results release | July 8, 2026 |
| FY2025 net income | $455.7 million, cross-validated against Macrotrends and StockTitan within 0.06% | Jack Henry FY2025 results release | July 8, 2026 |
| Q3 fiscal 2026 revenue and EPS | $636.2 million revenue, up 8.7%, and $1.71 diluted EPS for the quarter ended March 31, 2026 | Jack Henry Q3 FY2026 results release | July 8, 2026 |
| Fiscal 2026 year-to-date revenue and net income | $1.900 billion revenue and $391.5 million net income for the nine months ended March 31, 2026 | SEC Form 10-Q | July 8, 2026 |
| Cash and debt | $20.6 million cash and $90 million credit-facility debt at March 31, 2026; StockAnalysis total debt uses a broader $136.6 million debt figure | Jack Henry Q3 FY2026 release and StockAnalysis statistics | July 8, 2026 |
| Valuation math | 20.1x TTM EPS, 4.9x book value, 14.3x free cash flow per share, 4.1x revenue per share, and 1.6% dividend yield | Pineify financial_rigor.py valuation verification | July 8, 2026 |
| Technical indicators | RSI near 67.6, 20-day moving average near $131.31, 50-day near $137.99, and 200-day near $158.17 | TipRanks JKHY technical analysis | July 8, 2026 |
| Client base and business scope | Approximately 7,400 banks, credit unions, and diverse corporate entities served by Jack Henry solutions | SEC Form 10-Q | July 8, 2026 |
This JKHY AI stock analysis page is an informational research tool only. It is not investment advice, financial advice, or a recommendation to buy or sell Jack Henry & Associates securities. Forecast scenarios are based on available public data, audited calculations, and assumptions that can be wrong. Always do your own research and consider speaking with a qualified financial advisor before making investment decisions.
