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 · 3 years

Total assets $3.1B

Total liabilities $1.1B

Shareholders equity $2.1B

Account	2026	2025	2024
Assets
Cash and Cash Equivalents	0.4%	3.3%	1.3%
Accounts Receivable	11.1%	10.4%	11.4%
Prepaid Expenses	6.2%	5.9%	5.8%
Other Current Assets	3.0%	2.7%	3.1%
Total Current Assets	20.6%	22.4%	21.6%
Property,Plant and Equipment	7.0%	7.3%	7.4%
Goodwill	26.3%	26.4%	27.5%
Intangible Assets	21.4%	20.9%	21.0%
Other Noncurrent Assets	23.3%	21.4%	20.5%
Total Assets	100.0%	100.0%	100.0%
Liabilities
Accounts Payable	1.1%	0.9%	0.9%
Accrued Liabilities	7.2%	7.1%	6.9%
Deferred Revenue	9.4%	9.5%	10.9%
Total Current Liabilities	17.7%	17.6%	21.7%
Long Term Debt	1.3%	0.0%	2.1%
Deferred Revenue Noncurrent	2.5%	2.4%	2.4%
Deferred Tax Liabilities	11.6%	7.9%	8.3%
Other Noncurrent Liabilities	1.7%	2.1%	2.5%
Total Liabilities	34.8%	30.0%	37.0%
Equity
Preferred Stock	0.0%	0.0%	0.0%
Common Stock	0.0%	0.0%	0.0%
Additional Paid In Capital	21.9%	21.4%	21.2%
Retained Earnings	117.8%	110.8%	105.4%
Treasury Stock	74.5%	62.3%	63.6%
Other Equity	0.0%	0.0%	0.0%
Total Stockholders Equity	65.2%	70.0%	63.0%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

13 accounts · 3 years

Revenue $2.5B

Operating income $635.0M

Net income $502.8M

Account	2026	2025	2024
IncomeStatement
Revenues Total Revenue	80.9%	78.0%	75.8%
Expenses Cost of Revenue	45.6%	44.7%	44.4%
Expenses Research and Development	5.6%	5.3%	5.1%
Expenses Selling,General and Administrative	9.5%	9.3%	9.5%
Other Income Expense Operating Income	20.2%	18.7%	16.7%
Other Income Expense Interest Income	0.7%	0.9%	0.9%
Other Income Expense Interest Expense	0.2%	0.3%	0.6%
Other Income Expense Income Before Tax	20.8%	19.3%	17.0%
Income Tax Income Tax Expense	4.8%	4.3%	4.0%
net Income net Income	16.0%	15.0%	13.1%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Diluted	2.3%	2.4%	2.5%

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 3 years

Operating cash flow $762.0M

Investing cash flow $-277.7M

Financing cash flow $-574.1M

Account	2026	2025	2024
CashFlow
Operating Activities net Income	16.0%	15.0%	13.1%
Operating Activities Depreciation and Amortization	6.8%	6.7%	6.8%
Operating Activities Stock Based Compensation	1.0%	0.9%	1.0%
Operating Activities Deferred Income Taxes	4.0%	-0.1%	-0.0%
Operating Activities Changes In Operating Assets and Liabilities	-3.7%	-1.5%	-1.6%
Operating Activities Other Non Cash Items	0.1%	0.1%	0.1%
Operating Activities net Cash From Operating Activities	24.2%	21.1%	19.4%
Investing Activities Capital Expenditures	-2.1%	-1.8%	-2.0%
Investing Activities Business Acquisitions	-1.3%	0.0%	0.0%
Investing Activities Purchases of Investments	-0.4%	-0.1%	-0.3%
Investing Activities Proceeds From Sale of Investments	0.0%	0.0%	0.0%
Investing Activities Other Investing Activities	-4.9%	-5.8%	-5.9%
Investing Activities net Cash From Investing Activities	-8.8%	-7.6%	-8.2%
Financing Activities Proceeds From Debt	15.3%	11.5%	16.2%
Financing Activities Repayment of Debt	-14.0%	-16.4%	-20.5%
Financing Activities Repurchase of Common Stock	-14.2%	-1.2%	-1.0%
Financing Activities Dividends Paid	-5.4%	-5.4%	-5.3%
Financing Activities Proceeds From Stock Issuance	0.4%	0.4%	0.4%
Financing Activities Tax Withholding On Stock Based Compensation	-0.2%	-0.3%	-0.2%
Financing Activities net Cash From Financing Activities	-18.3%	-11.4%	-10.3%
Cash Reconciliation net Change In Cash	-2.9%	2.1%	0.9%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2026	2025	2024
Profitability
Gross margin	+43.7%	+42.7%	+41.3%
Operating margin	+25.0%	+23.9%	+22.1%
Net margin	+19.8%	+19.2%	+17.2%
FCF margin	+27.3%	+24.8%	+23.0%
Growth
Revenue CAGR (3y)	+7.0%	+6.9%	+8.0%
Returns
ROE	+24.5%	+21.4%	+20.7%
ROA	+16.0%	+15.0%	+13.1%
ROIC	+23.5%	+21.8%	+19.2%
Liquidity
Current ratio	1.17x	1.27x	1.00x
Quick ratio	0.65x	0.78x	0.59x
Leverage
D/E	0.53x	0.43x	0.59x
Interest coverage	117.88x	54.49x	29.87x
Efficiency
Asset turnover	0.81x	0.78x	0.76x
Cash conversion cycle	—	—	—

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Jack Henry & Associates

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