Jack Henry & Associates Inc
NASDAQ:JKHY
Intrinsic Value
Jack Henry & Associates, Inc. engages in the provision of technology solutions and payment processing services primarily for financial services organizations. [ Read More ]
The intrinsic value of one
JKHY
stock under the Base Case scenario is
134.78
USD.
Compared to the current market price of 165.6 USD,
Jack Henry & Associates Inc
is
Overvalued by 19%.
JKHY's market price has consistently been higher than its intrinsic value.This persistent overvaluation suggests the market may be overly optimistic about
JKHY or that its price is influenced by factors unrelated to fundamentals.
Jack Henry & Associates Inc's market capitalization is 12.1B USD.
JKHY stock price is 165.6 USD.
JKHY stock (134.78 USD) is 19% less than its price (165.6 USD).
JKHY stock price (165.6 USD) is 12% less than its Relative Value (187.38 USD). Open Relative Valuation
JKHY has upside potential of 11% compared to the average analyst price target.
Open Wall St Estimates
JKHY's ROIC (Return on Invested Capital) has increased in the last 3 years from 14% to 14%.
JKHY's Revenue has grown by 8% over the past 12 months.
JKHY's ROE (Return on Equity) has increased in the last 3 years from 21% to 24%.
JKHY's ROIC (Return on Invested Capital) for the past 12 months is positive and is equal to 14%.
JKHY's short-term assets (564m USD) exceed its short-term liabilties (471m USD).
JKHY's Revenue is forecast to grow at a rate of 8% per year over the next 3 years.
JKHY's Revenue has been growing by 8% per year for the last 3 years.
JKHY has positive Net Income for the last twelve months.
JKHY has positive three-year average ROIC (Return on Invested Capital): 15%. The company is efficient at using invested capital to generate operating income.
JKHY's ROE (Return on Equity) for the past 12 months is positive and is equal to 24%.
JKHY has positive Operating Income for the last twelve months.
JKHY has positive three-year average ROE (Return on Equity): 24%. The company is efficient at transforming stockholders' equity into net income.
JKHY has positive Gross Profit for the last twelve months.
JKHY has positive Free Cash Flow for the last twelve months.
JKHY's long-term assets (3B USD) exceed its long-term liabilties (1B USD).
JKHY has positive Net Debt. This means that the company has more debt (245m USD) than cash and short-term investments (32m USD).
JKHY's D/E (Debt to Equity) is very low and is equal to 0.15.
JKHY's Altman Z-Score is very high and is equal to 9.54.
JKHY earns more than enough operating income (484m USD) to safely cover interest payments on its debt (17m USD).
Valuation Backtest
Jack Henry & Associates Inc
Run backtest to discover the historical profit from buying and selling
JKHY
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Jack Henry & Associates Inc
Balance Sheet Decomposition
Jack Henry & Associates Inc
| Current Assets | 563.5m |
| Cash & Short-Term Investments | 31.5m |
| Receivables | 316.7m |
| Other Current Assets | 215.3m |
| Non-Current Assets | 2.2B |
| PP&E | 244.4m |
| Intangibles | 1.5B |
| Other Non-Current Assets | 463.6m |
| Current Liabilities | 470.6m |
| Accounts Payable | 20.3m |
| Accrued Liabilities | 157.9m |
| Other Current Liabilities | 292.4m |
| Non-Current Liabilities | 603.7m |
| Long-Term Debt | 245m |
| Other Non-Current Liabilities | 358.7m |
Earnings Waterfall
Jack Henry & Associates Inc
|
Revenue
|
2.2B
USD
|
|
Cost of Revenue
|
-1.3B
USD
|
|
Gross Profit
|
900.1m
USD
|
|
Operating Expenses
|
-415.9m
USD
|
|
Operating Income
|
484.3m
USD
|
|
Other Expenses
|
-111.3m
USD
|
|
Net Income
|
373m
USD
|
Free Cash Flow Analysis
Jack Henry & Associates Inc
What is Free Cash Flow?
JKHY Profitability Score
Profitability Due Diligence
Jack Henry & Associates Inc's profitability score is 63/100. The higher the profitability score, the more profitable the company is.
Score
Jack Henry & Associates Inc's profitability score is 63/100. The higher the profitability score, the more profitable the company is.
JKHY Solvency Score
Solvency Due Diligence
Jack Henry & Associates Inc's solvency score is 76/100. The higher the solvency score, the more solvent the company is.
Score
Jack Henry & Associates Inc's solvency score is 76/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
JKHY Price Targets Summary
Jack Henry & Associates Inc
According to Wall Street analysts, the average 1-year price target for
JKHY
is 183.99 USD
with a low forecast of 168.67 USD and a high forecast of 210 USD.
Ownership
JKHY Insider Trading
Buy and sell transactions by insiders
| Period | Sold | Bought | Net |
|---|---|---|---|
| 3 Months |
|
|
|
| 6 Months |
|
|
|
| 9 Months |
|
|
|
| 12 Months |
|
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|
Shareholder Return
JKHY Price
Jack Henry & Associates Inc
| Average Annual Return | 6.21% |
| Standard Deviation of Annual Returns | 4.05% |
| Max Drawdown | -34% |
| Market Capitalization | 12.1B USD |
| Shares Outstanding | 72 984 000 |
| Percentage of Shares Shorted | 3.27% |
Company Profile
Jack Henry & Associates Inc
Country
Industry
Market Cap
Dividend Yield
Description
Jack Henry & Associates, Inc. engages in the provision of technology solutions and payment processing services primarily for financial services organizations. The company is headquartered in Monett, Missouri and currently employs 6,714 full-time employees. The firm operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consists of integrated applications required to process deposit, loan, and general ledger transactions, and maintain centralized customer/member information. The Payments segment provides secure payment processing tools and services, including automated teller machine (ATM), debit, and credit card processing services; online and mobile bill pay solutions; automated clearinghouse (ACH) origination and remote deposit capture processing; and risk management products and services. The Complementary segment provides additional software and services that can be integrated with the Company's core solutions or used independently.
Contact
IPO
Employees
Officers
The intrinsic value of one
JKHY
stock under the Base Case scenario is
134.78
USD.
Compared to the current market price of 165.6 USD,
Jack Henry & Associates Inc
is
Overvalued by 19%.
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