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

Balance Sheet

Assets, liabilities, and equity

27 accounts · 5 years

Total assets $3.1B

Total liabilities $1.1B

Shareholders equity $2.1B

Account	2026	2025	2024	2023	2022
Assets
Cash and Cash Equivalents	$12.1M -88.2%	$102.0M 166.3%	$38.3M 212.7%	$12.2M -74.9%	$48.8M
Accounts Receivable	$349.1M 9.8%	$318.0M -4.5%	$333.0M -7.8%	$361.3M 3.8%	$348.1M
Prepaid Expenses	$193.5M 7.4%	$180.2M 6.7%	$168.8M -0.2%	$169.2M 34.8%	$125.5M
Other Current Assets	$94.4M 16.0%	$81.4M -11.5%	$91.9M 7.8%	$85.3M -6.4%	$91.1M
Total Current Assets	$649.1M -4.7%	$681.5M 7.8%	$632.0M 0.6%	$628.0M 2.4%	$613.5M
Property,Plant and Equipment	$220.5M -0.2%	$221.0M 2.7%	$215.1M 4.6%	$205.7M -2.9%	$211.7M
Goodwill	$827.7M 2.9%	$804.8M 0.0%	$804.8M 0.0%	$804.8M 17.1%	$687.5M
Intangible Assets	$674.2M 5.9%	$636.8M 3.6%	$614.9M 5.0%	$585.7M 34.3%	$436.1M
Other Noncurrent Assets	$731.7M 12.3%	$651.5M 8.4%	$600.9M 24.1%	$484.2M 10.7%	$437.3M
Total Assets	$3.1B 3.3%	$3.0B 4.1%	$2.9B 5.4%	$2.8B 13.0%	$2.5B
Liabilities
Accounts Payable	$34.9M 23.9%	$28.2M 11.3%	$25.3M 32.1%	$19.2M -8.9%	$21.0M
Accrued Liabilities	$226.5M 4.3%	$217.1M 8.1%	$200.8M 16.3%	$172.6M -10.1%	$192.0M
Deferred Revenue	$294.8M 1.5%	$290.5M -8.6%	$317.7M -4.3%	$332.0M 0.4%	$330.7M
Total Current Liabilities	$556.2M 3.8%	$535.8M -15.5%	$633.8M 21.0%	$523.8M -3.7%	$543.8M
Long Term Debt	$40.0M	$0 -100.0%	$60.0M -78.2%	$275.0M 139.1%	$115.0M
Deferred Revenue Noncurrent	$77.7M 6.6%	$72.9M 2.4%	$71.2M 5.1%	$67.8M -5.2%	$71.5M
Deferred Tax Liabilities	$366.1M 52.5%	$240.0M -1.4%	$243.5M -0.4%	$244.4M -16.5%	$292.6M
Other Noncurrent Liabilities	$53.8M -16.6%	$64.4M -12.4%	$73.6M 35.3%	$54.4M 6.6%	$51.0M
Total Liabilities	$1.1B 19.8%	$913.1M -15.6%	$1.1B -7.1%	$1.2B 8.5%	$1.1B
Equity
Preferred Stock	$0	$0	$0	$0	$0
Common Stock	$1.0M 0.2%	$1.0M 0.2%	$1.0M 0.1%	$1.0M 0.2%	$1.0M
Additional Paid In Capital	$689.1M 5.7%	$652.2M 5.2%	$619.8M 6.2%	$583.8M 5.9%	$551.4M
Retained Earnings	$3.7B 9.9%	$3.4B 9.4%	$3.1B 7.9%	$2.9B 8.3%	$2.6B
Treasury Stock	$2.3B 23.6%	$1.9B 1.9%	$1.9B 1.5%	$1.8B 1.4%	$1.8B
Other Equity	$1 0.0%	$1 0.0%	$1 0.0%	$1 0.0%	$1
Total Stockholders Equity	$2.1B -3.7%	$2.1B 15.7%	$1.8B 14.5%	$1.6B 16.4%	$1.4B
Total Liabilitiesand Equity	$3.1B 3.3%	$3.0B 4.1%	$2.9B 5.4%	$2.8B 13.0%	$2.5B

Income Statement

Revenue, expense, and profitability

13 accounts · 5 years

Revenue $2.5B

Operating income $635.0M

Net income $502.8M

Account	2026	2025	2024	2023	2022
IncomeStatement
Revenues Total Revenue	$2.5B 7.1%	$2.4B 7.2%	$2.2B 6.6%	$2.1B 6.9%	$1.9B
Expenses Cost of Revenue	$1.4B 5.4%	$1.4B 4.7%	$1.3B 6.6%	$1.2B 8.0%	$1.1B
Expenses Research and Development	$176.4M 8.4%	$162.8M 9.8%	$148.3M 3.9%	$142.7M 17.6%	$121.4M
Expenses Selling,General and Administrative	$299.2M 5.7%	$283.1M 1.7%	$278.4M 18.3%	$235.3M 7.8%	$218.3M
Other Income Expense Operating Income	$635.0M 11.7%	$568.7M 16.2%	$489.4M 1.8%	$480.7M 1.3%	$474.6M
Other Income Expense Interest Income	$23.1M -16.6%	$27.8M 11.0%	$25.0M 179.2%	$9.0M 27896.9%	$32.0K
Other Income Expense Interest Expense	$5.4M -48.4%	$10.4M -36.3%	$16.4M 8.7%	$15.1M 532.3%	$2.4M
Other Income Expense Income Before Tax	$652.8M 11.4%	$586.0M 17.7%	$498.0M 4.9%	$474.6M 0.5%	$472.3M
Income Tax Income Tax Expense	$150.0M 15.1%	$130.3M 12.1%	$116.2M 7.7%	$107.9M -1.3%	$109.4M
net Income net Income	$502.8M 10.3%	$455.7M 19.4%	$381.8M 4.1%	$366.6M 1.0%	$362.9M
Earnings Per Share Basic Eps	$7 12.0%	$6 19.3%	$5 4.2%	$5 1.6%	$5
Earnings Per Share Diluted Eps	$7 11.9%	$6 19.3%	$5 4.2%	$5 1.6%	$5
Earnings Per Share Weighted Average Shares Diluted	$72.0M -1.4%	$73.0M 0.0%	$73.0M -0.1%	$73.1M -0.5%	$73.5M

Cash Flow Statement

Operating, investing, and financing flows

21 accounts · 5 years

Operating cash flow $762.0M

Investing cash flow $-277.7M

Financing cash flow $-574.1M

Account	2026	2025	2024	2023	2022
CashFlow
Operating Activities net Income	$502.8M 10.3%	$455.7M 19.4%	$381.8M 4.1%	$366.6M 1.0%	$362.9M
Operating Activities Depreciation and Amortization	$213.2M 4.1%	$204.8M 2.4%	$199.9M 4.8%	$190.7M 7.4%	$177.6M
Operating Activities Stock Based Compensation	$32.5M 14.3%	$28.4M -1.7%	$28.9M 0.9%	$28.6M 15.5%	$24.8M
Operating Activities Deferred Income Taxes	$126.0M 3705.0%	$-3.5M -284.6%	$-909.0K 98.1%	$-48.2M -251.2%	$31.9M
Operating Activities Changes In Operating Assets and Liabilities	$-115.1M -151.0%	$-45.9M -0.8%	$-45.5M 70.0%	$-151.7M -63.2%	$-93.0M
Operating Activities Other Non Cash Items	$2.6M 30.4%	$2.0M -48.8%	$3.8M 185.0%	$-4.5M -1229.3%	$400.0K
Operating Activities net Cash From Operating Activities	$762.0M 18.8%	$641.5M 12.9%	$568.0M 48.9%	$381.6M -24.4%	$504.6M
Investing Activities Capital Expenditures	$-67.1M -25.8%	$-53.4M 8.2%	$-58.1M -48.3%	$-39.2M -13.0%	$-34.7M
Investing Activities Business Acquisitions	$-42.4M	$0	$0 100.0%	$-229.6M	$0
Investing Activities Purchases of Investments	$-13.7M -586.1%	$-2.0M 76.9%	$-8.6M -764.6%	$-1.0M 80.0%	$-5.0M
Investing Activities Proceeds From Sale of Investments	$1.0M 0.0%	$1.0M	$0	$0	—
Investing Activities Other Investing Activities	$-155.5M 12.5%	$-177.8M -2.5%	$-173.4M -24.0%	$-139.9M 10.7%	$-156.7M
Investing Activities net Cash From Investing Activities	$-277.7M -19.6%	$-232.2M 3.3%	$-240.2M 41.4%	$-409.7M -108.7%	$-196.3M
Financing Activities Proceeds From Debt	$480.0M 37.1%	$350.0M -26.3%	$475.0M -41.4%	$810.0M 144.0%	$332.0M
Financing Activities Repayment of Debt	$-440.0M 12.0%	$-500.0M 16.7%	$-600.0M 7.7%	$-650.1M -105.0%	$-317.1M
Financing Activities Repurchase of Common Stock	$-448.2M -1178.6%	$-35.1M -24.9%	$-28.1M -12.2%	$-25.0M 87.1%	$-193.9M
Financing Activities Dividends Paid	$-170.4M -3.5%	$-164.6M -5.6%	$-155.9M -5.9%	$-147.2M -5.9%	$-139.1M
Financing Activities Proceeds From Stock Issuance	$11.6M -1.0%	$11.7M -5.8%	$12.5M 0.8%	$12.4M 5.1%	$11.8M
Financing Activities Tax Withholding On Stock Based Compensation	$-7.2M 7.1%	$-7.7M -43.7%	$-5.4M 36.8%	$-8.5M -104.8%	$-4.2M
Financing Activities net Cash From Financing Activities	$-574.1M -66.1%	$-345.7M -14.5%	$-301.8M -3480.5%	$-8.4M 97.3%	$-310.5M
Cash Reconciliation net Change In Cash	$-89.9M -241.2%	$63.7M 144.5%	$26.0M 171.3%	$-36.5M -1557.3%	$-2.2M

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2026	2025	2024	2023	2022
Profitability
Gross margin	+43.7%	+42.7%	+41.3%	+41.3%	+41.9%
Operating margin	+25.0%	+23.9%	+22.1%	+23.1%	+24.4%
Net margin	+19.8%	+19.2%	+17.2%	+17.6%	+18.7%
FCF margin	+27.3%	+24.8%	+23.0%	+16.5%	+24.2%
Growth
Revenue CAGR (3y)	+7.0%	+6.9%	+8.0%	+7.0%	+7.8%
Returns
ROE	+24.5%	+21.4%	+20.7%	+22.8%	+26.3%
ROA	+16.0%	+15.0%	+13.1%	+13.2%	+14.8%
ROIC	+23.5%	+21.8%	+19.2%	+19.8%	+25.2%
Liquidity
Current ratio	1.17x	1.27x	1.00x	1.20x	1.13x
Quick ratio	0.65x	0.78x	0.59x	0.71x	0.73x
Leverage
D/E	0.53x	0.43x	0.59x	0.72x	0.78x
Interest coverage	117.88x	54.49x	29.87x	31.89x	199.09x
Efficiency
Asset turnover	0.81x	0.78x	0.76x	0.75x	0.79x
Cash conversion cycle	—	—	—	—	—

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Jack Henry & Associates

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