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

Balance Sheet

Assets, liabilities, and equity

29 accounts · 3 years

Total assets $3.0B

Total liabilities $913.1M

Shareholders equity $2.1B

Account	2025	2024	2023
Assets
Cash and Cash Equivalents	$102.0M 166.3%	$38.3M 212.7%	$12.2M
Accounts Receivable	$318.0M -4.5%	$333.0M -7.8%	$361.3M
Prepaid Expenses	$180.2M 6.7%	$168.8M -0.2%	$169.2M
Other Current Assets	$443.6M	—	—
Total Current Assets	$681.5M 7.8%	$632.0M 0.6%	$628.0M
Property,Plant and Equipment	$221.0M	—	—
Operating Lease Assets	$44.8M	—	—
Goodwill	$804.8M 0.0%	$804.8M 0.0%	$804.8M
Other Noncurrent Assets	$443.6M 6.2%	$417.6M 29.4%	$322.7M
Total Assets	$3.0B 4.1%	$2.9B 5.4%	$2.8B
Liabilities
Accounts Payable	$28.2M 11.3%	$25.3M 32.1%	$19.2M
Accrued Liabilities	$207.4M 3.3%	$200.8M 16.3%	$172.6M
Deferred Revenue	$290.5M	—	—
Operating Lease Liabilities	$9.4M	—	—
Other Current Liabilities	$64.4M	—	—
Total Current Liabilities	$535.8M -15.5%	$633.8M 21.0%	$523.8M
Long Term Debt	$0 -100.0%	$60.0M -78.2%	$275.0M
Deferred Revenue Noncurrent	$72.9M	—	—
Operating Lease Liabilities Noncurrent	$41.8M	—	—
Deferred Tax Liabilities	$240.0M	—	—
Other Noncurrent Liabilities	$64.4M -12.4%	$73.6M 35.3%	$54.4M
Total Liabilities	$913.1M -15.6%	$1.1B -7.1%	$1.2B
Equity
Preferred Stock	$0	$0	$0
Common Stock	$1.0M 0.2%	$1.0M 0.1%	$1.0M
Additional Paid In Capital	$652.2M 5.2%	$619.8M 6.2%	$583.8M
Retained Earnings	$3.4B 9.4%	$3.1B 7.9%	$2.9B
Treasury Stock	$1.9B 1.9%	$1.9B 1.5%	$1.8B
Total Stockholders Equity	$2.1B 15.7%	$1.8B 14.5%	$1.6B
Total Liabilitiesand Equity	$3.0B 4.1%	$2.9B 5.4%	$2.8B

Income Statement

Revenue, expense, and profitability

15 accounts · 3 years

Revenue $27.8M

Operating income $568.7M

Net income $455.7M

Account	2025	2024	2023
IncomeStatement
Revenues Total Revenue	$27.8M	—	—
Expenses Cost of Revenue	$1.4B	—	—
Expenses Research and Development	$162.8M	—	—
Expenses Selling,General and Administrative	$283.1M	—	—
Expenses Depreciation and Amortization	$43.7M -5.7%	$46.3M -4.9%	$48.7M
Expenses Share Based Compensation	$28.4M -1.7%	$28.9M 0.9%	$28.6M
Expenses Operating Expenses	$1.8B	—	—
Other Income Expense Operating Income	$568.7M 16.2%	$489.4M 1.8%	$480.7M
Other Income Expense Income Before Tax	$586.0M	—	—
Income Tax Income Tax Expense	$130.3M 12.1%	$116.2M 7.7%	$107.9M
net Income net Income	$455.7M 19.4%	$381.8M 4.1%	$366.6M
Earnings Per Share Basic Eps	$6	—	—
Earnings Per Share Diluted Eps	$6	—	—
Earnings Per Share Weighted Average Shares Basic	$72.9M	—	—
Earnings Per Share Weighted Average Shares Diluted	$73.0M	—	—

Cash Flow Statement

Operating, investing, and financing flows

19 accounts · 3 years

Operating cash flow $641.5M

Investing cash flow $-232.2M

Financing cash flow $-345.7M

Account	2025	2024	2023
CashFlow
Operating Activities net Income	$455.7M 19.4%	$381.8M 4.1%	$366.6M
Operating Activities Depreciation and Amortization	$43.7M	—	—
Operating Activities Stock Based Compensation	$28.4M	—	—
Operating Activities Changes In Operating Assets and Liabilities	$24.9M	—	—
Operating Activities net Cash From Operating Activities	$641.5M	—	—
Investing Activities Capital Expenditures	$53.4M -8.2%	$58.1M 48.3%	$39.2M
Investing Activities Business Acquisitions	$0	$0 -100.0%	$229.6M
Investing Activities Purchases of Investments	$2.0M	—	—
Investing Activities net Cash From Investing Activities	$-232.2M	—	—
Financing Activities Repayment of Debt	$500.0M -16.7%	$600.0M -7.7%	$650.1M
Financing Activities Repurchase of Common Stock	$35.1M 24.9%	$28.1M 12.2%	$25.0M
Financing Activities Dividends Paid	$164.6M 5.6%	$155.9M 5.9%	$147.2M
Financing Activities Proceeds From Stock Issuance	$2.0K	—	—
Financing Activities Tax Withholding On Stock Based Compensation	$7.7M	—	—
Financing Activities net Cash From Financing Activities	$-345.7M	—	—
Cash Reconciliation Effect of Exchange Rate On Cash	$102.0M	—	—
Cash Reconciliation net Change In Cash	$63.7M	—	—
Cash Reconciliation Cash At Beginning of Period	$102.0M	—	—
Cash Reconciliation Cash At End of Period	$102.0M	—	—

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 3 years

Ratio	2025	2024	2023
Profitability
Gross margin	-4802.0%	+22.1%	+23.1%
Operating margin	+2048.8%	+22.1%	+23.1%
Net margin	+1641.8%	+17.2%	+17.6%
FCF margin	+2118.8%	+23.0%	+16.5%
Growth
Revenue CAGR (3y)	-75.7%	+8.0%	+7.0%
Returns
ROE	+21.4%	+20.7%	+22.8%
ROA	+15.0%	+13.1%	+13.2%
ROIC	+21.8%	+20.1%	+19.8%
Liquidity
Current ratio	1.27x	1.00x	1.20x
Quick ratio	0.78x	0.59x	0.71x
Leverage
D/E	0.43x	0.59x	0.72x
Interest coverage	—	—	31.89x
Efficiency
Asset turnover	0.01x	0.76x	0.75x
Cash conversion cycle	—	—	—

Valuation

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FY2025 fundamentals · no price

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Jack Henry & Associates

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