Jack Henry & Associates

Financials Transaction & Payment Processing Services Monett, Missouri Last filing Aug 25, 2025 · FY2025

                    Revenue
                    FY2025
                
$27.8M
                    3y CAGR -75.7%
                    
                    P2
                    
                    -98.7%
                    
                    Net income
                    FY2025
                
$455.7M
                    Net margin +1641.8%
                    
                    P100
                    
                    +19.4%
                    
                    Total assets
                    FY2025
                
$3.0B
                    ROA +15.0%
                    
                    P93
                    
                    +4.1%
                    
                    Operating cash flow
                    FY2025
                
$641.5M
                    FCF margin +2118.8%
                    
                    P100
                    
                    +12.9%

17 yrs · FY2009–FY2025 9 filed · 0 derived · 0 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

29 accounts · 10 years

Total assets $3.0B

Total liabilities $913.1M

Shareholders equity $2.1B

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Assets
Cash and Cash Equivalents	3.3%	1.3%	0.4%	2.0%	2.2%	8.8%	4.3%	1.5%	6.0%	3.9%
Accounts Receivable	10.4%	11.4%	13.0%	14.2%	13.1%	12.4%	14.2%	—	—	—
Prepaid Expenses	5.9%	5.8%	6.1%	5.1%	4.7%	3.9%	4.9%	4.7%	3.5%	3.1%
Other Current Assets	14.6%	—	—	—	—	—	—	—	—	—
Total Current Assets	22.4%	21.6%	22.6%	25.0%	23.3%	27.6%	26.1%	23.2%	27.2%	23.8%
Property,Plant and Equipment	7.3%	—	—	—	—	—	—	—	—	—
Operating Lease Assets	1.5%	—	—	—	—	—	—	—	—	—
Goodwill	26.4%	27.5%	29.0%	28.0%	29.4%	28.3%	30.5%	32.0%	28.9%	30.5%
Other Noncurrent Assets	14.6%	14.3%	11.6%	12.0%	10.7%	9.1%	6.2%	5.4%	4.3%	3.9%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Accounts Payable	0.9%	0.9%	0.7%	0.9%	0.8%	0.4%	0.5%	1.5%	0.4%	0.8%
Accrued Liabilities	6.8%	6.9%	6.2%	7.8%	7.8%	6.9%	5.5%	4.4%	4.3%	4.7%
Deferred Revenue	9.5%	—	—	—	—	—	—	—	—	—
Operating Lease Liabilities	0.3%	—	—	—	—	—	—	—	—	—
Other Current Liabilities	2.1%	—	—	—	—	—	—	—	—	—
Total Current Liabilities	17.6%	21.7%	18.9%	22.1%	22.3%	20.4%	21.5%	22.0%	24.7%	24.4%
Long Term Debt	0.0%	2.1%	9.9%	4.7%	—	—	0.0%	0.0%	2.6%	0.0%
Deferred Revenue Noncurrent	2.4%	—	—	—	—	—	—	—	—	—
Operating Lease Liabilities Noncurrent	1.4%	—	—	—	—	—	—	—	—	—
Deferred Tax Liabilities	7.9%	—	—	—	—	—	—	—	—	—
Other Noncurrent Liabilities	2.1%	2.5%	2.0%	2.1%	2.5%	2.8%	0.7%	0.6%	0.4%	0.5%
Total Liabilities	30.0%	37.0%	42.0%	43.7%	43.5%	36.2%	34.6%	34.9%	45.9%	45.1%
Equity
Preferred Stock	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Common Stock	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%
Additional Paid In Capital	21.4%	21.2%	21.0%	22.5%	22.2%	20.4%	21.6%	22.8%	23.7%	24.2%
Retained Earnings	110.8%	105.4%	103.0%	107.4%	103.3%	92.0%	94.6%	94.1%	83.0%	78.8%
Treasury Stock	62.3%	63.6%	66.1%	73.6%	69.1%	48.7%	50.8%	51.9%	52.7%	48.3%
Total Stockholders Equity	70.0%	63.0%	58.0%	56.3%	56.5%	63.8%	65.4%	65.1%	57.6%	54.9%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	103.5%	100.0%

Income Statement

Revenue, expense, and profitability

15 accounts · 10 years

Revenue $27.8M

Operating income $568.7M

Net income $455.7M

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
IncomeStatement
Revenues Total Revenue	0.9%	—	—	—	—	—	—	—	—	—
Expenses Cost of Revenue	44.7%	—	—	—	—	—	—	—	—	—
Expenses Research and Development	5.3%	—	—	—	—	—	—	—	—	—
Expenses Selling,General and Administrative	9.3%	—	—	—	—	—	—	—	—	—
Expenses Depreciation and Amortization	1.4%	1.6%	1.8%	2.1%	2.2%	2.1%	2.2%	2.4%	2.6%	2.8%
Expenses Share Based Compensation	0.9%	1.0%	1.0%	1.0%	0.9%	0.7%	0.6%	0.6%	0.6%	0.6%
Expenses Operating Expenses	59.3%	—	—	—	—	—	—	—	—	—
Other Income Expense Operating Income	18.7%	16.7%	17.3%	19.3%	17.1%	15.7%	15.9%	17.6%	17.9%	19.9%
Other Income Expense Income Before Tax	19.3%	—	—	—	—	—	—	—	—	—
Income Tax Income Tax Expense	4.3%	4.0%	3.9%	4.5%	3.7%	3.5%	3.4%	-0.4%	5.8%	6.2%
net Income net Income	15.0%	13.1%	13.2%	14.8%	13.3%	12.2%	12.4%	18.0%	12.0%	13.7%
Earnings Per Share Basic Eps	0.0%	—	—	—	—	—	—	—	—	—
Earnings Per Share Diluted Eps	0.0%	—	—	—	—	—	—	—	—	—
Earnings Per Share Weighted Average Shares Basic	2.4%	—	—	—	—	—	—	—	—	—
Earnings Per Share Weighted Average Shares Diluted	2.4%	—	—	—	—	—	—	—	—	—

Cash Flow Statement

Operating, investing, and financing flows

19 accounts · 10 years

Operating cash flow $641.5M

Investing cash flow $-232.2M

Financing cash flow $-345.7M

Account	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
CashFlow
Operating Activities net Income	15.0%	13.1%	13.2%	14.8%	13.3%	12.2%	12.4%	18.0%	12.0%	13.7%
Operating Activities Depreciation and Amortization	1.4%	—	—	—	—	—	—	—	—	—
Operating Activities Stock Based Compensation	0.9%	—	—	—	—	—	—	—	—	—
Operating Activities Changes In Operating Assets and Liabilities	0.8%	—	—	—	—	—	—	—	—	—
Operating Activities net Cash From Operating Activities	21.1%	—	—	—	—	—	—	—	—	—
Investing Activities Capital Expenditures	1.8%	2.0%	1.4%	1.4%	1.0%	2.2%	2.5%	2.0%	2.2%	3.1%
Investing Activities Business Acquisitions	0.0%	0.0%	8.3%	0.0%	0.1%	1.3%	0.9%	6.8%	0.0%	0.5%
Investing Activities Purchases of Investments	0.1%	—	—	—	—	—	—	—	—	—
Investing Activities net Cash From Investing Activities	-7.6%	—	—	—	—	—	—	—	—	—
Financing Activities Repayment of Debt	16.4%	20.5%	23.4%	12.9%	4.3%	2.3%	1.6%	8.6%	1.6%	8.4%
Financing Activities Repurchase of Common Stock	1.2%	1.0%	0.9%	7.9%	18.5%	2.9%	2.5%	2.4%	6.8%	9.7%
Financing Activities Dividends Paid	5.4%	5.3%	5.3%	5.7%	5.7%	5.2%	5.4%	5.2%	4.8%	4.6%
Financing Activities Proceeds From Stock Issuance	0.0%	—	—	—	—	—	—	—	—	—
Financing Activities Tax Withholding On Stock Based Compensation	0.3%	—	—	—	—	—	—	—	—	—
Financing Activities net Cash From Financing Activities	-11.4%	—	—	—	—	—	—	—	—	—
Cash Reconciliation Effect of Exchange Rate On Cash	3.3%	—	—	—	—	—	—	—	—	—
Cash Reconciliation net Change In Cash	2.1%	—	—	—	—	—	—	—	—	—
Cash Reconciliation Cash At Beginning of Period	3.3%	—	—	—	—	—	—	—	—	—
Cash Reconciliation Cash At End of Period	3.3%	—	—	—	—	—	—	—	—	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Profitability
Gross margin	-4802.0%	+22.1%	+23.1%	+24.4%	+22.7%	+22.4%	+22.4%	+27.5%	+26.9%	+26.7%
Operating margin	+2048.8%	+22.1%	+23.1%	+24.4%	+22.7%	+22.4%	+22.4%	+23.3%	+23.9%	+26.7%
Net margin	+1641.8%	+17.2%	+17.6%	+18.7%	+17.7%	+17.5%	+17.5%	+23.8%	+16.0%	+18.4%
FCF margin	+2118.8%	+23.0%	+16.5%	+24.2%	+25.0%	+26.9%	+24.3%	+24.2%	+22.0%	+22.9%
Growth
Revenue CAGR (3y)	-75.7%	+8.0%	+7.0%	+7.8%	+4.6%	+5.8%	+4.7%	+6.9%	+6.8%	+6.9%
Returns
ROE	+21.4%	+20.7%	+22.8%	+26.3%	+23.6%	+19.1%	+19.0%	+27.6%	+20.9%	+25.0%
ROA	+15.0%	+13.1%	+13.2%	+14.8%	+13.3%	+12.2%	+12.4%	+18.0%	+12.0%	+13.7%
ROIC	+21.8%	+20.1%	+19.8%	+25.2%	—	—	+20.4%	+27.7%	+22.2%	+27.0%
Liquidity
Current ratio	1.27x	1.00x	1.20x	1.13x	1.04x	1.35x	1.21x	1.05x	1.10x	0.97x
Quick ratio	0.78x	0.59x	0.71x	0.73x	0.69x	1.04x	0.86x	—	—	—
Leverage
D/E	0.43x	0.59x	0.72x	0.78x	0.77x	0.57x	0.53x	0.54x	0.80x	0.82x
Interest coverage	—	—	31.89x	199.09x	348.53x	553.24x	375.04x	186.20x	343.09x	252.91x
Efficiency
Asset turnover	0.01x	0.76x	0.75x	0.79x	0.75x	0.70x	0.71x	0.76x	0.75x	0.75x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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Jack Henry & Associates

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