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Upturn AI SWOT - About
JKHY 
Jack Henry & Associates Inc (JKHY)
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Upturn Advisory Summary
03/27/2025: JKHY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -10.27% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 13.41B USD | Price to earnings Ratio 33.16 | 1Y Target Price 190.05 |
Price to earnings Ratio 33.16 | 1Y Target Price 190.05 | ||
Volume (30-day avg) 708340 | Beta 0.66 | 52 Weeks Range 155.50 - 196.00 | Updated Date 04/1/2025 |
52 Weeks Range 155.50 - 196.00 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.27% | Basic EPS (TTM) 5.55 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 17.83% | Operating Margin (TTM) 21.44% |
Management Effectiveness
Return on Assets (TTM) 11.3% | Return on Equity (TTM) 21.9% |
Valuation
Trailing PE 33.16 | Forward PE 28.99 | Enterprise Value 13538976417 | Price to Sales(TTM) 5.9 |
Enterprise Value 13538976417 | Price to Sales(TTM) 5.9 | ||
Enterprise Value to Revenue 5.96 | Enterprise Value to EBITDA 18.16 | Shares Outstanding 72897696 | Shares Floating 72357499 |
Shares Outstanding 72897696 | Shares Floating 72357499 | ||
Percent Insiders 0.63 | Percent Institutions 99.88 |
Analyst Ratings
Rating 3.53 | Target Price 192.5 | Buy - | Strong Buy 5 |
Buy - | Strong Buy 5 | ||
Hold 11 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Jack Henry & Associates Inc
Company Overview
History and Background
Jack Henry & Associates, Inc. was founded in 1976 by Jack Henry and Jerry Hall. Initially focused on providing data processing services to community banks, it has expanded its offerings to include a broad range of technology solutions for financial institutions of all sizes.
Core Business Areas
- Core Solutions Segment: Provides core information processing platforms and complementary solutions required to process transactions, automate workflows, and manage customer and member relationships for banks and credit unions.
- Payments Solutions Segment: Provides payment processing solutions that include debit card processing, automated clearing house (ACH) origination, wire transfers, and fraud detection.
- Complementary Solutions Segment: Provides a variety of solutions that enhance the core processing platforms and payment solutions. These include imaging and item processing, information security and risk management, and digital solutions.
Leadership and Structure
David Foss serves as the Chairman and CEO. The company has a traditional hierarchical structure with executive leadership overseeing various business segments and functional areas.
Top Products and Market Share
Key Offerings
- Symitar Episys: A core processing platform for credit unions. Jack Henry claims a significant portion of the large credit union core processing market. Competitors include Fiserv and Corelation.
- SilverLake System: A core processing platform for commercial banks. It serves primarily community and regional banks. Competitors include Fiserv, Fidelity National Information Services (FIS), and Finastra.
- jXchange: A secure payment processing and digital banking platform. Competitors include Fiserv, FIS, and PayPal.
Market Dynamics
Industry Overview
The financial technology (fintech) industry is experiencing rapid growth and is highly competitive. Financial institutions are increasingly reliant on technology solutions to improve efficiency, enhance customer experience, and comply with regulations.
Positioning
Jack Henry is positioned as a leading provider of integrated technology solutions for community and regional financial institutions. Its focus on customer service and long-term relationships provides a competitive advantage.
Total Addressable Market (TAM)
The total addressable market for banking software and services is estimated to be in the hundreds of billions of dollars globally. Jack Henry is well-positioned to capture a significant share of this market, given its focus on community banks and credit unions and its expanding suite of products and services.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- High customer retention rates
- Integrated product suite
- Deep industry expertise
- Stable financial performance
Weaknesses
- Slower growth compared to some competitors
- Reliance on legacy systems
- Potential for disruption by fintech startups
- Lower international presence
Opportunities
- Growing demand for digital banking solutions
- Expansion into new markets and customer segments
- Acquisitions of complementary businesses
- Increased adoption of cloud-based solutions
- Increased outsourcing of technology operations by community banks
Threats
- Increased competition from larger players
- Rapid technological changes
- Cybersecurity threats
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- FISV
- FIS
- GDS
Competitive Landscape
Jack Henry competes effectively in the market by providing integrated solutions and strong customer service. While it may lack the scale of larger competitors like Fiserv and FIS, its focus on community and regional financial institutions provides a distinct advantage.
Major Acquisitions
Payrailz
- Year: 2022
- Acquisition Price (USD millions): 250
- Strategic Rationale: Enhanced payment capabilities and expansion into faster payment rails.
Growth Trajectory and Initiatives
Historical Growth: Jack Henry has experienced steady growth over the past decade, driven by organic expansion and strategic acquisitions.
Future Projections: Analysts expect Jack Henry to continue to grow its revenue and earnings at a moderate pace in the coming years, driven by demand for its technology solutions and ongoing investments in innovation.
Recent Initiatives: Recent initiatives include investments in digital banking solutions, cloud migration, and enhanced cybersecurity capabilities.
Summary
Jack Henry & Associates is a stable company with a solid track record in the financial technology industry, particularly within the community banking and credit union sectors. Its strength lies in its long-term customer relationships, integrated product suite, and consistent financial performance. However, the company needs to navigate increasing competition, adapt to rapid technological changes, and address the potential disruption from fintech startups to maintain its growth trajectory. The financial statements look strong but it will need to continue to build in it's weaker areas.
Similar Companies
FIS
Fidelity National Information Services Inc
FIS
Fidelity National Information Services Inc
FISV
Fiserv Inc.
FISV
Fiserv Inc.
GDS
GDS Holdings Ltd
GDS
GDS Holdings Ltd
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be made after consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Jack Henry & Associates Inc
Exchange NASDAQ | Headquaters Monett, MO, United States | ||
IPO Launch date 1985-11-20 | CEO & President Mr. Gregory R. Adelson | ||
Sector Technology | Industry Information Technology Services | Full time employees 7200 | Website https://www.jackhenry.com |
Full time employees 7200 | Website https://www.jackhenry.com | ||
Jack Henry & Associates, Inc., a financial technology company that connects people and financial institutions through technology solutions and payment processing services that reduce the barriers to financial health. It 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 consist 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 ATM, debit, and credit card processing services, online and mobile bill pay solutions, ACH origination and remote deposit capture processing, and risk management products and svervices. The Complementary segment provides additional software, hosted processing platforms, and services, including digital/mobile banking, treasury services, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate and Other segment offers hardware and other products. The company offers specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. Its core banking platform offerings include SilverLake system, CIF 20/20, and Core Director, as well as core credit union platform under the Symitar name. In addition, the company provides digital products and services and electronic payment solutions; hardware systems; implementation, training, and support services; and software licensing and related services, as well as professional services, and data centers. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri.
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