Value
6.6/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 7.0 |
| P/S | 7.8 |
| EV/EBITDA | 4.1 |
| Fwd P/E | 6.9 |
| PEG | 4.7 |
| Analyst target | 9.0 |
- ▸Forward P/E: 18.4x
- ▸PEG: 1.77
JKHY · Why this verdict
Why Jack Henry & Associates (JKHY) is rated SELL
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictSELL
Overall score5.7/10
ConfidenceHIGH
MacroRISK_OFF
Per-dimension breakdown
Quality
7.6/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 8.3 |
| ROA | 9.1 |
| Gross margin | 4.8 |
| Op margin | 9.7 |
| Net margin | 10.0 |
| Current ratio | 6.2 |
| FCF quality | 5.5 |
| Moat | 6.1 |
| Piotroski F | 8.9 |
- ▸Strong margins: 21%
- ▸Earnings quality warning: 72% FCF/NI
- ▸Strong Piotroski F-Score: 8/9
- ▸High-quality business
Growth
4.6/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 4.7 |
| EPS growth | 4.5 |
Momentum
1.6/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 3.5 |
| MACD | 0.0 |
| OBV | 1.0 |
| MA position | 1.0 |
| Volume | 2.6 |
- ▸Volume distribution (falling OBV)
- ▸Below 200-MA, MA slope -2.4%/30d — confirmed downtrend
Sentiment
7.3/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 5.5 |
| Analyst rating | 7.2 |
| Price target | 9.4 |
- ▸Analyst upside: 45%
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.1 |
- ▸Negligible insider buying — $317,135 (0.003% of mkt cap)
Peer rank
5.2/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 2.5 |
| quality rank | 7.6 |
| growth rank | 6.4 |
- ▸Best-in-class margins
Technical
7.6/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 9.6 |
| support resistance | 9.5 |
| 52w position | 3.6 |
Risk (lower is worse)
4.2/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 5.4 |
| days to cover | 5.4 |
| volatility | 4.4 |
| put call | 0.0 |
| implied vol | 4.7 |
| beta | 9.6 |
| debt equity | 0.0 |
- ▸Elevated put/call: 2.28
Catalyst
6.8/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 8.6 |
| dividend safety | 7.0 |
| news activity | 5.0 |
- ▸Perfect beat streak: 4Q
- ▸Dividend: 183.0%
How the verdict was assembled
Engine trigger
Multiple concerning factors. Consider reducing position.
Engine technical detail
verdict_path:
L4:PATH_F_SELLPassed (5)
- ASYMMETRY:4.1>=1.5
- INSIDER:OK
- EARNINGS_PROXIMITY:72d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (2)
- MOMENTUM:1.6<4.5
- DEATH_CROSS:HARD_BLOCK
Warning (1)
- 8K_FLAG:1.02
Reward-to-Risk
4.09
Upside
+26.5%
Downside
6.5%
Sizing output
AVOID
SetupFALLING_KNIFE — Death cross, below all MAs, RSI 37, MACD bearish
EdgeTEMP_HEADWIND — High quality (7.6) with weak momentum (1.6)
SuitabilityMODERATE — Balanced profile
Investment implication
The F-path SELL output reflects an overall score of 3.6 below the 5.6 soft trigger — multiple weakening dimensions accumulated rather than a single hard-floor breach. The strongest dimension ( Quality at 7.6) was not enough to lift the adjusted overall above the threshold. Co-occurring failed gates ( MOMENTUM:1.6<4.5, DEATH_CROSS:HARD_BLOCK) reinforce the read. Current asymmetry R:R is 4.09 — supplementary context, not the trigger for this path.
The strongest dimensions are Quality at 7.6, Technical at 7.6, and Sentiment at 7.3; the weakest are Momentum at 1.6, Risk (lower is worse) at 4.2, and Growth at 4.6. The V9 engine flagged 2 failed gates with 1 warning, producing an asymmetric reward-to-risk of 4.09 and an engine sizing output of AVOID.