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JKHYJack Henry & Associates, Inc.Sell5.9·$131.46+2.52%
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Jack Henry & Associates, Inc. (JKHY) Stock Analysis

Recovery setup

SellDEATH CROSS (EXEMPT)VALUE-TRAP 1/5Moderate Confidence

Technology · Information Technology Services

Sell if holding. Multiple concerning factors at $131.46: Leverage penalty (D/E 6.4): -1.5; Below 200-MA, MA slope -2.6%/30d (confirmed downtrend).

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

$131.46+24.3% A.UpsideScore 5.9/10#7 of 34 Information Technology Services
QualityF-score8 / 9FCF yield4.10%
IncomeYield1.86%(5y avg 1.22%)Payout32.82%sustainable
Stop $123.45Target $163.56(analyst − 13%)A.R:R 4.0:1
Analyst target$188.00+43.0%13 analysts
$163.56our TP
$131.46price
$188.00mean
$208

Sell if holding. Multiple concerning factors at $131.46: Leverage penalty (D/E 6.4): -1.5; Below 200-MA, MA slope -2.6%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 41. Score 5.9/10, moderate confidence.

Passes 8/11 gates (positive momentum, favorable risk/reward ratio, clean insider activity, positive momentum, news events none recent, earnings proximity 64d clear, semi cycle peak clear, materials cycle peak clear). Suitability: moderate.

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

Recent developments

updated 2026-06-15
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Aug 18, 202664d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
High-quality business
Analyst upside: 24%
Risks
Leverage penalty (D/E 6.4): -1.5
Below 200-MA, MA slope -2.6%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)17.9
P/E (Fwd)18.1
Mkt Cap$9.1B
EV/EBITDA12.9
Profit Mgn20.6%
ROE24.9%
Rev Growth8.7%
Beta0.57
Dividend1.86%
Rating analysts22

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C3.07bearish
IV63%elevated
Max Pain$90-31.5% vs spot

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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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

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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

10 dimensions · all in-band

GatesMomentum 5.0<5.5 (soft — BUY_NOW allowed but watch)Death cross exempted (quality + momentum high enough)8K FLAG 1.02Momentum 5.0>=4.5A.R:R 4.0 ≥ 1.5Insider activity: OKNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 64d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Moderate
RSI
41 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $124.63Resistance $144.02

Price Targets

$123
$164
A.Upside+24.4%
A.R:R4.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Analyst Consensus

Analysts22
Consensus4.1/5
Avg Target$188

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-08-18 (64d)

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 $131.46: Leverage penalty (D/E 6.4): -1.5; Below 200-MA, MA slope -2.6%/30d (confirmed downtrend). Chart setup: Death cross but MACD improving, RSI 41. Prior stop was $123.45. Score 5.9/10, moderate confidence.

What is the JKHY stock price target?

Take-profit target: $163.56 (+24.3% upside). Prior stop was $123.45. Stop-loss: $123.45.

What are the risks of investing in JKHY?

Leverage penalty (D/E 6.4): -1.5; Below 200-MA, MA slope -2.6%/30d (confirmed downtrend).

Is JKHY overvalued or undervalued?

Jack Henry & Associates, Inc. trades at a P/E of 17.9 (forward 18.1). TrendMatrix value score: 6.4/10. Verdict: Sell.

What do analysts say about JKHY?

22 analysts cover JKHY with a consensus score of 4.1/5. Average price target: $188.

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) · INOD (Innodata Inc.) · GDS (GDS Holdings Limited) · FORTY (Formula Systems (1985) Ltd.) · G (Genpact Limited)
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