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

Running CAGR since the earliest displayed year.

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	+4.2%	-7.3%	-22.1%	-5.9%	-6.2%	+32.0%	+10.0%	-33.1%	+63.2%	—
Accounts Receivable	—	—	—	—	—	—	—	—	—	—
Prepaid Expenses	+13.7%	+14.6%	+16.9%	+14.2%	+14.2%	+14.0%	+23.5%	+30.3%	+18.2%	—
Other Current Assets	—	—	—	—	—	—	—	—	—	—
Total Current Assets	+5.2%	+4.9%	+5.5%	+6.0%	+4.7%	+11.6%	+9.7%	+4.4%	+20.4%	—
Property,Plant and Equipment	—	—	—	—	—	—	—	—	—	—
Operating Lease Assets	—	—	—	—	—	—	—	—	—	—
Goodwill	+4.3%	+4.8%	+5.5%	+3.7%	+4.5%	+5.6%	+6.5%	+8.4%	-0.1%	—
Other Noncurrent Assets	+22.7%	+24.9%	+24.3%	+26.8%	+28.7%	+33.0%	+24.1%	+25.1%	+17.1%	—
Total Assets	+5.9%	+6.1%	+6.2%	+5.2%	+5.2%	+7.5%	+6.4%	+5.8%	+5.1%	—
Liabilities
Accounts Payable	+7.6%	+7.1%	+4.0%	+6.3%	+4.8%	-9.3%	-12.3%	+44.2%	-53.1%	—
Accrued Liabilities	+10.4%	+11.3%	+10.6%	+14.5%	+16.4%	+18.2%	+12.1%	+1.9%	-4.5%	—
Deferred Revenue	—	—	—	—	—	—	—	—	—	—
Operating Lease Liabilities	—	—	—	—	—	—	—	—	—	—
Other Current Liabilities	—	—	—	—	—	—	—	—	—	—
Total Current Liabilities	+2.1%	+4.6%	+2.4%	+3.4%	+3.3%	+2.8%	+1.9%	+0.5%	+6.2%	—
Long Term Debt	—	+104.0%	+180.8%	+188.4%	—	—	—	—	+24900.0%	—
Deferred Revenue Noncurrent	—	—	—	—	—	—	—	—	—	—
Operating Lease Liabilities Noncurrent	—	—	—	—	—	—	—	—	—	—
Deferred Tax Liabilities	—	—	—	—	—	—	—	—	—	—
Other Noncurrent Liabilities	+23.8%	+29.3%	+28.4%	+32.5%	+44.4%	+64.0%	+14.8%	+16.8%	-20.0%	—
Total Liabilities	+1.2%	+3.5%	+5.2%	+4.6%	+4.4%	+1.8%	-2.7%	-6.9%	+7.0%	—
Equity
Preferred Stock	—	—	—	—	—	—	—	—	—	—
Common Stock	+0.2%	+0.2%	+0.2%	+0.2%	+0.2%	+0.2%	+0.2%	+0.2%	+0.2%	—
Additional Paid In Capital	+4.5%	+4.4%	+4.1%	+3.8%	+3.4%	+3.0%	+2.4%	+2.7%	+2.7%	—
Retained Earnings	+10.0%	+10.1%	+10.4%	+10.7%	+11.0%	+11.8%	+13.0%	+15.6%	+10.8%	—
Treasury Stock	+9.0%	+9.9%	+11.1%	+12.8%	+13.0%	+7.8%	+8.2%	+9.7%	+14.9%	—
Total Stockholders Equity	+8.8%	+8.0%	+7.1%	+5.6%	+5.8%	+11.7%	+12.8%	+15.2%	+10.4%	—
Total Liabilitiesand Equity	+5.9%	+6.1%	+6.2%	+5.2%	+5.2%	+7.5%	+6.4%	+5.8%	+8.9%	—

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	—	—	—	—	—	—	—	—	—	—
Expenses Cost of Revenue	—	—	—	—	—	—	—	—	—	—
Expenses Research and Development	—	—	—	—	—	—	—	—	—	—
Expenses Selling,General and Administrative	—	—	—	—	—	—	—	—	—	—
Expenses Depreciation and Amortization	-1.6%	-1.1%	-0.5%	+0.1%	+0.8%	+0.8%	-2.2%	-2.6%	-1.8%	—
Expenses Share Based Compensation	+11.4%	+13.2%	+15.1%	+15.0%	+14.1%	+12.0%	+5.5%	+4.7%	+3.8%	—
Expenses Operating Expenses	—	—	—	—	—	—	—	—	—	—
Other Income Expense Operating Income	+5.2%	+3.9%	+4.1%	+4.6%	+2.0%	+1.3%	-1.3%	-0.6%	-5.5%	—
Other Income Expense Income Before Tax	—	—	—	—	—	—	—	—	—	—
Income Tax Income Tax Expense	+1.7%	+0.5%	-0.5%	-0.3%	-5.0%	-6.8%	-12.3%	—	-0.2%	—
net Income net Income	+7.0%	+5.5%	+5.7%	+6.5%	+4.6%	+4.5%	+3.0%	+21.1%	-7.8%	—
Earnings Per Share Basic Eps	—	—	—	—	—	—	—	—	—	—
Earnings Per Share Diluted Eps	—	—	—	—	—	—	—	—	—	—
Earnings Per Share Weighted Average Shares Basic	—	—	—	—	—	—	—	—	—	—
Earnings Per Share Weighted Average Shares Diluted	—	—	—	—	—	—	—	—	—	—

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	+7.0%	+5.5%	+5.7%	+6.5%	+4.6%	+4.5%	+3.0%	+21.1%	-7.8%	—
Operating Activities Depreciation and Amortization	—	—	—	—	—	—	—	—	—	—
Operating Activities Stock Based Compensation	—	—	—	—	—	—	—	—	—	—
Operating Activities Changes In Operating Assets and Liabilities	—	—	—	—	—	—	—	—	—	—
Operating Activities net Cash From Operating Activities	—	—	—	—	—	—	—	—	—	—
Investing Activities Capital Expenditures	-0.6%	+0.4%	-5.1%	-7.8%	-16.4%	-1.3%	-1.6%	-15.6%	-25.5%	—
Investing Activities Business Acquisitions	—	—	+60.8%	—	-22.6%	+38.4%	+34.2%	+307.7%	—	—
Investing Activities Purchases of Investments	—	—	—	—	—	—	—	—	—	—
Investing Activities net Cash From Investing Activities	—	—	—	—	—	—	—	—	—	—
Financing Activities Repayment of Debt	+14.1%	+18.7%	+23.0%	+13.0%	-8.1%	-22.5%	-38.8%	+7.1%	-80.2%	—
Financing Activities Repurchase of Common Stock	-16.4%	-20.5%	-24.3%	+1.7%	+19.7%	-20.1%	-32.2%	-47.2%	-25.9%	—
Financing Activities Dividends Paid	+7.7%	+8.0%	+8.3%	+8.7%	+9.7%	+10.9%	+12.2%	+11.7%	+9.0%	—
Financing Activities Proceeds From Stock Issuance	—	—	—	—	—	—	—	—	—	—
Financing Activities Tax Withholding On Stock Based Compensation	—	—	—	—	—	—	—	—	—	—
Financing Activities net Cash From Financing Activities	—	—	—	—	—	—	—	—	—	—
Cash Reconciliation Effect of Exchange Rate On Cash	—	—	—	—	—	—	—	—	—	—
Cash Reconciliation net Change In Cash	—	—	—	—	—	—	—	—	—	—
Cash Reconciliation Cash At Beginning of Period	—	—	—	—	—	—	—	—	—	—
Cash Reconciliation Cash At End of Period	—	—	—	—	—	—	—	—	—	—

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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