Jack Henry & Associates

Financials Transaction & Payment Processing Services Monett, Missouri Last filing Aug 28, 2026 · FY2026

                    Revenue
                    FY2026
                
$2.5B
                    3y CAGR +7.0%
                    
                    +7.1%
                    
                    Net income
                    FY2026
                
$502.8M
                    Net margin +19.8%
                    
                    +10.3%
                    
                    Total assets
                    FY2026
                
$3.1B
                    ROA +16.0%
                    
                    +3.3%
                    
                    Operating cash flow
                    FY2026
                
$762.0M
                    FCF margin +27.3%
                    
                    +18.8%

18 yrs · FY2009–FY2026 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

27 accounts · 10 years

Total assets $3.1B

Total liabilities $1.1B

Shareholders equity $2.1B

Account	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017
Assets
Cash and Cash Equivalents	0.4%	3.3%	1.3%	0.4%	2.0%	2.2%	8.8%	4.3%	1.5%	6.0%
Accounts Receivable	11.1%	10.4%	11.4%	13.0%	14.2%	13.1%	12.4%	14.2%	14.2%	14.5%
Prepaid Expenses	6.2%	5.9%	5.8%	6.1%	5.1%	4.7%	3.9%	4.9%	4.1%	3.5%
Other Current Assets	3.0%	2.7%	3.1%	3.1%	3.7%	3.3%	2.4%	2.7%	3.0%	3.2%
Total Current Assets	20.6%	22.4%	21.6%	22.6%	25.0%	23.3%	27.6%	26.1%	22.9%	27.2%
Property,Plant and Equipment	7.0%	7.3%	7.4%	7.4%	8.6%	10.8%	11.3%	12.5%	14.0%	14.8%
Goodwill	26.3%	26.4%	27.5%	29.0%	28.0%	29.4%	28.3%	30.5%	31.7%	28.9%
Intangible Assets	21.4%	20.9%	21.0%	21.1%	17.8%	16.9%	15.3%	16.0%	15.9%	14.9%
Other Noncurrent Assets	23.3%	21.4%	20.5%	17.5%	17.8%	16.1%	13.8%	10.3%	9.9%	9.4%
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	1.1%	0.9%	0.9%	0.7%	0.9%	0.8%	0.4%	0.5%	1.7%	0.4%
Accrued Liabilities	7.2%	7.1%	6.9%	6.2%	7.8%	7.8%	6.9%	5.5%	4.8%	4.3%
Deferred Revenue	9.4%	9.5%	10.9%	12.0%	13.5%	13.7%	13.1%	15.6%	17.3%	20.1%
Total Current Liabilities	17.7%	17.6%	21.7%	18.9%	22.1%	22.3%	20.4%	21.5%	23.8%	24.7%
Long Term Debt	1.3%	0.0%	2.1%	9.9%	4.7%	4.3%	0.0%	0.0%	0.0%	2.6%
Deferred Revenue Noncurrent	2.5%	2.4%	2.4%	2.4%	2.9%	3.2%	2.9%	2.5%	4.5%	6.7%
Deferred Tax Liabilities	11.6%	7.9%	8.3%	8.8%	11.9%	11.2%	10.0%	9.9%	9.2%	11.5%
Other Noncurrent Liabilities	1.7%	2.1%	2.5%	2.0%	2.1%	2.5%	2.8%	0.7%	0.6%	0.4%
Total Liabilities	34.8%	30.0%	37.0%	42.0%	43.7%	43.5%	36.2%	34.6%	38.2%	45.9%
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%	0.0%	0.1%	0.1%
Additional Paid In Capital	21.9%	21.4%	21.2%	21.0%	22.5%	22.2%	20.4%	21.6%	22.6%	23.7%
Retained Earnings	117.8%	110.8%	105.4%	103.0%	107.4%	103.3%	92.0%	94.6%	90.6%	83.0%
Treasury Stock	74.5%	62.3%	63.6%	66.1%	73.6%	69.1%	48.7%	50.8%	51.5%	52.7%
Other Equity	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—
Total Stockholders Equity	65.2%	70.0%	63.0%	58.0%	56.3%	56.5%	63.8%	65.4%	61.8%	54.1%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

13 accounts · 10 years

Revenue $2.5B

Operating income $635.0M

Net income $502.8M

Account	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017
IncomeStatement
Revenues Total Revenue	80.9%	78.0%	75.8%	74.9%	79.1%	75.3%	69.9%	71.1%	74.9%	75.0%
Expenses Cost of Revenue	45.6%	44.7%	44.4%	43.9%	46.0%	45.5%	41.5%	42.2%	42.6%	42.9%
Expenses Research and Development	5.6%	5.3%	5.1%	5.1%	4.9%	4.7%	4.5%	4.4%	4.4%	4.4%
Expenses Selling,General and Administrative	9.5%	9.3%	9.5%	8.5%	8.9%	8.0%	8.2%	8.5%	8.9%	8.5%
Other Income Expense Operating Income	20.2%	18.7%	16.7%	17.3%	19.3%	17.1%	15.7%	15.9%	19.1%	19.3%
Other Income Expense Interest Income	0.7%	0.9%	0.9%	0.3%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Other Income Expense Interest Expense	0.2%	0.3%	0.6%	0.5%	0.1%	0.0%	0.0%	0.0%	0.1%	0.1%
Other Income Expense Income Before Tax	20.8%	19.3%	17.0%	17.1%	19.2%	17.0%	15.7%	15.9%	19.1%	19.2%
Income Tax Income Tax Expense	4.8%	4.3%	4.0%	3.9%	4.5%	3.7%	3.5%	3.4%	0.7%	6.3%
net Income net Income	16.0%	15.0%	13.1%	13.2%	14.8%	13.3%	12.2%	12.4%	18.4%	12.9%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Diluted	2.3%	2.4%	2.5%	2.6%	3.0%	3.2%	3.2%	3.5%	3.8%	4.1%

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 10 years

Operating cash flow $762.0M

Investing cash flow $-277.7M

Financing cash flow $-574.1M

Account	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017
CashFlow
Operating Activities net Income	16.0%	15.0%	13.1%	13.2%	14.8%	13.3%	12.2%	12.4%	17.8%	12.0%
Operating Activities Depreciation and Amortization	6.8%	6.7%	6.8%	6.9%	7.2%	7.5%	7.1%	7.4%	7.4%	7.3%
Operating Activities Stock Based Compensation	1.0%	0.9%	1.0%	1.0%	1.0%	0.9%	0.7%	0.6%	0.6%	0.6%
Operating Activities Deferred Income Taxes	4.0%	-0.1%	-0.0%	-1.7%	1.3%	0.7%	1.0%	0.3%	-3.7%	1.1%
Operating Activities Changes In Operating Assets and Liabilities	-3.7%	-1.5%	-1.6%	-5.5%	-3.8%	-2.6%	-0.2%	-1.0%	-2.0%	-2.6%
Operating Activities Other Non Cash Items	0.1%	0.1%	0.1%	-0.2%	0.0%	-0.1%	0.2%	0.0%	-0.0%	0.2%
Operating Activities net Cash From Operating Activities	24.2%	21.1%	19.4%	13.8%	20.6%	19.8%	21.0%	19.7%	20.1%	18.7%
Investing Activities Capital Expenditures	-2.1%	-1.8%	-2.0%	-1.4%	-1.4%	-1.0%	-2.2%	-2.5%	-2.0%	-2.2%
Investing Activities Business Acquisitions	-1.3%	0.0%	0.0%	-8.3%	0.0%	-0.1%	-1.3%	-0.9%	-6.7%	0.0%
Investing Activities Purchases of Investments	-0.4%	-0.1%	-0.3%	-0.0%	-0.2%	-0.6%	-0.0%	0.0%	-0.2%	0.0%
Investing Activities Proceeds From Sale of Investments	0.0%	0.0%	0.0%	0.0%	—	0.2%	0.0%	0.0%	0.0%	0.3%
Investing Activities Other Investing Activities	-4.9%	-5.8%	-5.9%	-5.0%	-6.4%	-5.5%	-4.6%	-5.4%	-5.3%	-5.5%
Investing Activities net Cash From Investing Activities	-8.8%	-7.6%	-8.2%	-14.8%	-8.0%	-6.9%	-8.1%	-8.7%	-14.2%	-7.4%
Financing Activities Proceeds From Debt	15.3%	11.5%	16.2%	29.2%	13.5%	8.6%	2.3%	1.6%	6.1%	4.2%
Financing Activities Repayment of Debt	-14.0%	-16.4%	-20.5%	-23.4%	-12.9%	-4.3%	-2.3%	-1.6%	-8.5%	-1.6%
Financing Activities Repurchase of Common Stock	-14.2%	-1.2%	-1.0%	-0.9%	-7.9%	-18.5%	-2.9%	-2.5%	-2.4%	-6.8%
Financing Activities Dividends Paid	-5.4%	-5.4%	-5.3%	-5.3%	-5.7%	-5.7%	-5.2%	-5.4%	-5.1%	-4.8%
Financing Activities Proceeds From Stock Issuance	0.4%	0.4%	0.4%	0.4%	0.5%	0.5%	0.4%	0.4%	0.4%	0.3%
Financing Activities Tax Withholding On Stock Based Compensation	-0.2%	-0.3%	-0.2%	-0.3%	-0.2%	-0.3%	-0.2%	-0.6%	-0.4%	-0.3%
Financing Activities net Cash From Financing Activities	-18.3%	-11.4%	-10.3%	-0.3%	-12.6%	-19.8%	-7.9%	-8.2%	-9.9%	-9.0%
Cash Reconciliation net Change In Cash	-2.9%	2.1%	0.9%	-1.3%	-0.1%	-6.9%	4.9%	2.8%	-4.1%	2.3%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 10 years

Ratio	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017
Profitability
Gross margin	+43.7%	+42.7%	+41.3%	+41.3%	+41.9%	+39.5%	+40.6%	+40.6%	+43.1%	+42.8%
Operating margin	+25.0%	+23.9%	+22.1%	+23.1%	+24.4%	+22.7%	+22.4%	+22.4%	+25.5%	+25.7%
Net margin	+19.8%	+19.2%	+17.2%	+17.6%	+18.7%	+17.7%	+17.5%	+17.5%	+24.5%	+17.2%
FCF margin	+27.3%	+24.8%	+23.0%	+16.5%	+24.2%	+25.0%	+26.9%	+24.3%	+24.2%	+22.0%
Growth
Revenue CAGR (3y)	+7.0%	+6.9%	+8.0%	+7.0%	+7.8%	+4.6%	+5.8%	+4.7%	+6.9%	+6.8%
Returns
ROE	+24.5%	+21.4%	+20.7%	+22.8%	+26.3%	+23.6%	+19.1%	+19.0%	+29.7%	+23.8%
ROA	+16.0%	+15.0%	+13.1%	+13.2%	+14.8%	+13.3%	+12.2%	+12.4%	+18.4%	+12.9%
ROIC	+23.5%	+21.8%	+19.2%	+19.8%	+25.2%	+22.8%	+22.2%	+20.4%	+30.6%	+25.5%
Liquidity
Current ratio	1.17x	1.27x	1.00x	1.20x	1.13x	1.04x	1.35x	1.21x	0.96x	1.10x
Quick ratio	0.65x	0.78x	0.59x	0.71x	0.73x	0.69x	1.04x	0.86x	0.66x	0.83x
Leverage
D/E	0.53x	0.43x	0.59x	0.72x	0.78x	0.77x	0.57x	0.53x	0.62x	0.85x
Interest coverage	117.88x	54.49x	29.87x	31.89x	199.09x	348.53x	553.24x	375.04x	204.36x	369.18x
Efficiency
Asset turnover	0.81x	0.78x	0.76x	0.75x	0.79x	0.75x	0.70x	0.71x	0.75x	0.75x
Cash conversion cycle	—	—	—	—	—	—	—	—	—	—

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Jack Henry & Associates

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