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JKHY

Jack Henry AssociatesB
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
The reported earnings result, FY27 guidance, record competitive wins, strong technology-spending commentary, and continued repurchases support a constructive forward view [#SEC-8K-2026-08-18].
Posture
Constructive
Lead driver
Sentiment
What changed
6 setup hits (3d) with net bullish as of 2026-10-24.
What can break
Cash and cash equivalents were $12.1 million versus $40 million of credit-facility debt at June 30, 2026 [#SEC-8K-2026-08-18].
Momentum
63
Value
52
Sentiment
64
Setup hits (3d)
6 · Net Bullish
AI TargetsBase $188.40 · Bull $205.00 · Bear $145.00Analysis 2026-08-21; returns require an exact persisted reference.
Earnings
2026-10-26
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $186.42
Why
Momentum63 · Δ7d +8.6
Value52 · Δ7d -0.4
Sentiment64 · Δ7d -6.4
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 6 setup hits (3d) with net bullish as of 2026-10-24.
  • • Next scheduled catalyst: earnings 2026-10-26.
  • • Sentiment remains the lead driver in the composite, 7D delta -6.4.

Contradictions & invalidation

  • • Cash and cash equivalents were $12.1 million versus $40 million of credit-facility debt at June 30, 2026 [#SEC-8K-2026-08-18].
  • • FY27 guidance assumes no acquisitions or dispositions, limiting comparability if capital-allocation plans change [#SEC-8K-2026-08-18].
  • • The positive earnings surprise was partly offset by Q4 operating-income contraction and ongoing digital, card, risk-management, medical-cost, and cloud-migration pressure.

Catalyst clock

2026-10-26

Q4 FY26 results and FY27 guidance

Lead driver: Sentiment · See AI snapshot
Momentum
63
8% active weight
Current posture
7d trendFlat
Δ7d
+8.6
Δ21d
+23.3
Value
52
47% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
-0.9
Sentiment
64
45% active weight
Current posture
7d trendSoftening
Δ7d
-6.4
Δ21d
-30.6
Why this grade

Composite grade B. Momentum 63.4 / Value 52.0 / Sentiment 63.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-21. Scenario method

B+
Bull case
25%
Probability
Target price
$205.00
Analysis reference price unavailable
Analysis 2026-08-21 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$188.40
Analysis reference price unavailable
Analysis 2026-08-21 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$145.00
Analysis reference price unavailable
Analysis 2026-08-21 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$11.4B
Beta
0.71
Shares Out
70.11M
P/E (TTM)
27.6
P/S (TTM)
5.43
P/FCF (TTM)
53.28
Rev YoY
+2.9%
EPS YoY
-10.2%
Gross Margin
+43.6%
Op Margin
+24.9%
Net Debt
-$50.77M
Current Ratio
1.51
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data