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JKHYJack Henry & Associates, Inc.Sell5.7·$126.37-2.87%
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Jack Henry & Associates, Inc. (JKHY) Stock Analysis

Falling Knife setup · Temp Headwind edge

SellVALUE-TRAP 1/5High Confidence

Technology · Information Technology Services

Sell if holding. Momentum 1.3/10 is below the 5.0 floor at $126.37 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Leverage penalty (D/E 6.4): -1.5; Sector modifier (Technology): -0.8.

Jack Henry & Associates is a financial technology company providing core banking, payment processing, and digital banking solutions to approximately 7,400 community and regional banks and credit unions. Revenue is primarily recurring from private and public cloud services and... Read more

$126.37+30.3% A.UpsideScore 5.7/10#10 of 34 Information Technology Services
QualityF-score8 / 9FCF yield4.04%
IncomeYield1.83%(5y avg 1.22%)Payout32.82%sustainable
Stop $122.36Target $164.62(analyst − 13%)A.R:R 4.7:1
Analyst target$189.21+49.7%14 analysts
$164.62our TP
$126.37price
$189.21mean
$208

Sell if holding. Momentum 1.3/10 is below the 5.0 floor at $126.37 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Leverage penalty (D/E 6.4): -1.5; Sector modifier (Technology): -0.8. Chart setup: Death cross, below all MAs, RSI 26, MACD bearish. Score 5.7/10, high confidence.

Passes 6/9 gates (favorable risk/reward ratio, clean insider activity, news events none recent, earnings proximity 71d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-09
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Aug 18, 202671d to earnings· next earnings call

Thesis

Rewards
V7 quality resilience bonus: +0.2 (Q=7.6 in RISK_OFF)
Strong earnings beat streak (4/4)
High-quality business
Risks
Sector modifier (Technology): -0.8
Leverage penalty (D/E 6.4): -1.5
Negative momentum

Key Metrics

P/E (TTM)18.2
P/E (Fwd)18.4
Mkt Cap$9.2B
EV/EBITDA13.1
Profit Mgn20.6%
ROE24.9%
Rev Growth8.7%
Beta0.57
Dividend1.83%
Rating analysts22

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C2.31bearish
IV59%elevated

Material Events(8-K, last 90d)

  • 2026-03-26Item 1.02MEDIUM
    Jack Henry terminated its existing $600M revolving unsecured credit agreement (maturity Aug 2027) simultaneously with closing a new $1.0B five-year revolving credit agreement on March 25, 2026. No early termination penalties were owed.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd
0.0
Obv
1.0
Ma Position
1.0
Volume
1.5
Rsi
3.0
Capitulation risk (RSI 26, below 200MA)Volume distribution (falling OBV)Below 200-MA, MA slope -2.5%/30d — confirmed downtrend
GatesMomentum 1.3<4.5Death cross (50MA < 200MA)8K FLAG 1.02A.R:R 4.7 ≥ 1.5Insider activity: OKNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 71d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARFalling KnifeSuitability: Moderate
RSI
26 · Oversold
20D MA 50D MA 200D MADEATH CROSSSupport $126.14Resistance $146.44

Price Targets

$122
$165
A.Upside+30.3%
A.R:R4.7:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! momentum at 1.3 (below the engine's 4.5 threshold)
! Death cross — 50-day MA below 200-day MA

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-08-18 (71d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is JKHY stock a buy right now?

Sell if holding. Momentum 1.3/10 is below the 5.0 floor at $126.37 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Leverage penalty (D/E 6.4): -1.5; Sector modifier (Technology): -0.8. Chart setup: Death cross, below all MAs, RSI 26, MACD bearish. Prior stop was $122.36. Score 5.7/10, high confidence.

What is the JKHY stock price target?

Take-profit target: $164.62 (+30.3% upside). Prior stop was $122.36. Stop-loss: $122.36.

What are the risks of investing in JKHY?

Sector modifier (Technology): -0.8; Leverage penalty (D/E 6.4): -1.5; Negative momentum.

Is JKHY overvalued or undervalued?

Jack Henry & Associates, Inc. trades at a P/E of 18.2 (forward 18.4). TrendMatrix value score: 6.6/10. Verdict: Sell.

What do analysts say about JKHY?

22 analysts cover JKHY with a consensus score of 4.1/5. Average price target: $189.

What does Jack Henry & Associates, Inc. do?Jack Henry & Associates is a financial technology company providing core banking, payment processing, and digital...

Jack Henry & Associates is a financial technology company providing core banking, payment processing, and digital banking solutions to approximately 7,400 community and regional banks and credit unions. Revenue is primarily recurring from private and public cloud services and electronic payment solutions under six-year contracts, with over 950 bank core clients and approximately 715 credit union core clients. High switching costs from deeply embedded core processing systems support retention.

Related stocks: FIS (Fidelity National Information S) · FORTY (Formula Systems (1985) Ltd.) · GDS (GDS Holdings Limited) · INOD (Innodata Inc.) · SAIC (Science Applications Internatio)
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