Jack Henry & Associates, Inc. (JKHY) Stock Analysis

Q: What is the JKHY stock price target?

Take-profit $173.44 (+11.9% upside). Prior stop was $148.74.

Q: Is JKHY overvalued or undervalued?

Jack Henry & Associates, Inc. trades at a P/E of 22.1 (forward 22.0). TrendMatrix value score: 5.3/10. Overall verdict: Sell.

Q: What do analysts say about JKHY?

22 analysts cover JKHY with a consensus score of 4.1/5. Average price target: $199.

Recovery setup

SellVALUE-TRAP 1/5Moderate ConfidenceUpdated 2026-05-01

Technology · Information Technology Services

Earnings in 4 days (2026-05-05). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Sell if holding. Multiple concerning factors at $154.96: Leverage penalty (D/E 3.1): -1.5; Earnings in 4 days (event risk).

Jack Henry & Associates provides financial technology solutions including core banking, credit union processing, and complementary payment/digital products to approximately 7,400 financial institutions in the United States. Revenue primarily derives from multi-year... Read more

$154.96+11.9% A.UpsideScore 6.1/10#3 of 35 Information Technology Services

Stop $148.74Target $173.44(analyst − 13%)A.R:R 2.3:1

Analyst target$199.36+28.7%14 analysts

$173.44our TP

$154.96price

$199.36mean

$216

Sell if holding. Multiple concerning factors at $154.96: Leverage penalty (D/E 3.1): -1.5; Earnings in 4 days (event risk). Chart setup: Death cross but MACD improving, RSI 62. Score 6.1/10, moderate confidence.

Passes 6/8 gates (positive momentum, favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on earnings proximity 4d<=7d. Suitability: moderate.

Thesis

Rewards

Strong earnings beat streak (4/4)

High-quality business

Risks

Leverage penalty (D/E 3.1): -1.5

Earnings in 4 days (event risk)

Below 200-MA, MA slope -2.0%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)22.1

P/E (Fwd)22.0

Mkt Cap$11.1B

EV/EBITDA16.0

Profit Mgn20.6%

ROE24.3%

Rev Growth7.9%

Beta0.72

Dividend1.53%

Rating analysts22

Quality Signals

Piotroski F8/9

Options Flow

P/C0.30bullish

IV49%normal

Max Pain$110-29.0% vs spot

Material Events(8-K, last 90d)

2026-03-26Item 1.02MEDIUM
Termination of prior $600M revolving unsecured credit agreement (dated August 31, 2022, maturity 2027) in connection with entering new $1.0B five-year revolving credit facility. Approximately $80M outstanding was refinanced.
SEC filing →

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

Rating Breakdown

10 dimensions · all in-band

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value5.315%0.79

Quality7.415%1.11

Growth6.115%0.91

Momentum5.610%0.56

Sentiment6.910%0.69

Insider Activity5.010%0.50

Peer Rank5.710%0.57

Technical Setup4.85%0.24

Risk Profile5.95%0.30

Catalyst7.85%0.39

Overall (Σ contributions)6.07

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

GatesEARNINGS PROXIMITY 4d<=7dDeath cross (50MA < 200MA)Momentum 5.6>=5.5A.R:R 2.3 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARRecoverySuitability: Moderate

RSI

62 · Neutral

↑ 20D MA↓ 50D MA↓ 200D MADEATH CROSSSupport $146.92Resistance $161.18

Price Targets

$149

$173

A.Upside+11.9%

A.R:R2.3:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeSteady

Risk Alerts

! EARNINGS_PROXIMITY:4d<=7d

Earnings

4/4 beats

Next Earnings2026-05-05 (4d)

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. Multiple concerning factors at $154.96: Leverage penalty (D/E 3.1): -1.5; Earnings in 4 days (event risk). Chart setup: Death cross but MACD improving, RSI 62. Prior stop was $148.74. Score 6.1/10, moderate confidence.

What is the JKHY stock price target?

Take-profit target: $173.44 (+11.9% upside). Prior stop was $148.74. Stop-loss: $148.74.

What are the risks of investing in JKHY?

Leverage penalty (D/E 3.1): -1.5; Earnings in 4 days (event risk); Below 200-MA, MA slope -2.0%/30d (confirmed downtrend).

Is JKHY overvalued or undervalued?

Jack Henry & Associates, Inc. trades at a P/E of 22.1 (forward 22.0). TrendMatrix value score: 5.3/10. Verdict: Sell.

What do analysts say about JKHY?

22 analysts cover JKHY with a consensus score of 4.1/5. Average price target: $199.

What does Jack Henry & Associates, Inc. do?Jack Henry & Associates provides financial technology solutions including core banking, credit union processing, and...