Recent News
On July 14, 2025, Jack Henry announced Abound Credit Union selected its Symitar core platform; on July 10 the company earned a spot on TIME’s America’s Best Mid-Size Companies list; on July 8 Datos Insights highlighted Jack Henry as a market leader for small business digital banking; on July 7 First Mid Bank & Trust selected Jack Henry for a platform modernization project.
Technical Analysis
Directional indicators show a strong trend environment: ADX registers 29.65, which signals a robust directional move, while DI- sits at 33.6 (dip & reversal) and DI+ at 16.16 (peak & reversal); those readings produce a bearish directional bias that supports near-term downward price pressure relative to current valuation.
MACD reads -3.24 with the MACD below its signal line (-2.58) and a peak-and-reversal in momentum, which signals continuing bearish momentum and reinforces the directional indicators’ implication of near-term weakness.
MRO stands at -31.83, indicating the price sits below the model target and therefore carries mean-reversion upside potential; that valuation-driven upside conflicts with momentum signals and suggests any bounce would reflect target convergence rather than renewed bullish trend initiation.
RSI at 38.72 with a peak-and-reversal trend signals falling relative strength and room for further downside before classical oversold thresholds arrive; this aligns with MACD and DI readings and favors continued pressure over the next several sessions.
Price context amplifies the bearish picture: close at $151.50 sits below the 20-day average ($157.49), 50-day average ($164.32), and 200-day average ($172.36); the 12-day EMA trends down. Price trades beneath the Ichimoku cloud (Senkou A $168.03, Senkou B $170.59) and below the SuperTrend upper band ($157.31), establishing multiple short-term resistances. Bollinger lower band at $152.32 sits just above the close, indicating the stock trades at or just beneath standard short-term volatility support and therefore near short-term oversold territory.
Fundamental Analysis
Revenue and profitability show constructive trends that support the WMDST valuation call of under-valued. Total revenue registers $615,372,000 with YoY revenue growth of 30.575% and QoQ revenue growth of 164.216%, both signaling substantial recent top-line expansion. Gross margin at 44.119% improved by 6.185 percentage points YoY and 5.576 percentage points QoQ, reinforcing operating leverage.
Operating income at $155,698,000 and EBIT of $162,051,000 produce an EBIT margin of 26.334%, which sits below the industry peer mean of 32.473% but above the industry peer median of 19.824%, indicating margin performance stronger than many peers while still short of the peer average. EBIT margin expanded by 6.525 percentage points QoQ and 9.812 percentage points YoY.
Net income reached $127,604,000. GAAP EPS printed $1.56 against an estimate of $1.50, yielding an EPS surprise of 4.0% (difference $0.06). Forward EPS stands at $1.58 with a forward P/E of 112.69; trailing P/E reads 110.95. Free cash flow totaled $271,263,000 and free cash flow yield equals 2.188%, with free cash flow growth showing large QoQ and YoY expansion (freeCashGrowth QoQ ~438.326% and YoY ~58.303%). Operating cash flow reached $327,112,000 and cash plus short-term investments held $101,953,000 at period end.
Balance-sheet and coverage metrics present low financial risk: interest coverage sits at 77.09 and reported debt related to credit facilities reduced to zero at period-end per company reporting; current ratio reads 1.2719, close to the industry peer mean of 1.28188. Return on equity registers 5.988% with return on assets 4.271% and return on invested capital 6.067%, which reflect modest but improving capital returns given growth and margin expansion. Dividend payout ratio equals 33.055% and dividend yield approximates 0.34%.
Valuation context: WMDST values the stock as under-valued. High P/E and PEG metrics reflect long-duration growth expectations (PE 110.95, PEG 14.63), while strong free cash flow, rising margins, and a clean balance sheet support the under-valued determination despite premium multiples versus some peer measures. The MRO negative reading suggests room for price convergence toward fundamental targets if momentum reverses.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-06-30 |
| REPORT DATE: | 2025-08-19 |
| NEXT REPORT DATE: | 2025-11-04 |
| CASH FLOW | Begin Period Cash Flow | $ 39.9 M |
| Operating Cash Flow | $ 327.1 M | |
| Capital Expenditures | $ -55.85 M | |
| Change In Working Capital | $ 130.8 M | |
| Dividends Paid | $ -42.18 M | |
| Cash Flow Delta | $ 62.1 M | |
| End Period Cash Flow | $ 102.0 M | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | $ 615.4 M | |
| Forward Revenue | $ 138.7 M | |
| COSTS | ||
| Cost Of Revenue | $ 343.9 M | |
| Depreciation | $ 10.6 M | |
| Depreciation and Amortization | $ 51.5 M | |
| Research and Development | $ 42.6 M | |
| Total Operating Expenses | $ 459.7 M | |
| PROFITABILITY | ||
| Gross Profit | $ 271.5 M | |
| EBITDA | $ 213.5 M | |
| EBIT | $ 162.1 M | |
| Operating Income | $ 155.7 M | |
| Interest Income | $ 6.4 M | |
| Interest Expense | $ 2.1 M | |
| Net Interest Income | $ 4.3 M | |
| Income Before Tax | $ 159.9 M | |
| Tax Provision | $ 32.3 M | |
| Tax Rate | 20.222 % | |
| Net Income | $ 127.6 M | |
| Net Income From Continuing Operations | $ 127.6 M | |
| EARNINGS | ||
| EPS Estimate | $ 1.50 | |
| EPS Actual | $ 1.56 | |
| EPS Difference | $ 0.06 | |
| EPS Surprise | 4.0 % | |
| Forward EPS | $ 1.58 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | $ 3.0 B | |
| Intangible Assets | $ 1.5 B | |
| Net Tangible Assets | $ 640.8 M | |
| Total Current Assets | $ 681.5 M | |
| Cash and Short-Term Investments | $ 102.0 M | |
| Cash | $ 102.0 M | |
| Net Receivables | $ 324.6 M | |
| Inventory | — | |
| Long-Term Investments | $ 443.6 M | |
| LIABILITIES | ||
| Accounts Payable | $ 28.2 M | |
| Short-Term Debt | — | |
| Total Current Liabilities | $ 535.8 M | |
| Net Debt | — | |
| Total Debt | — | |
| Total Liabilities | $ 913.1 M | |
| EQUITY | ||
| Total Equity | $ 2.1 B | |
| Retained Earnings | $ 3.4 B | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | $ 29.26 | |
| Shares Outstanding | 72.836 M | |
| Revenue Per-Share | $ 8.45 | |
| VALUATION | Market Capitalization | $ 12.4 B |
| Enterprise Value | — | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | — | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | 1.429 | |
| Asset To Liability | 3.334 | |
| Debt To Capital | — | |
| Debt To Assets | — | |
| Debt To Assets QoQ | — | |
| Debt To Assets YoY | — | |
| Debt To Assets IPRWA | — | |
| Debt To Equity | — | |
| Debt To Equity QoQ | — | |
| Debt To Equity YoY | — | |
| Debt To Equity IPRWA | — | |
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | 5.818 | |
| Price To Book QoQ | -6.65 % | |
| Price To Book YoY | -10.643 % | |
| Price To Book IPRWA | high: 18.53 mean: 9.484 median: 8.649 JKHY: 5.818 low: -5.086 |
|
| Price To Earnings (P/E) | 110.952 | |
| Price To Earnings QoQ | -3.132 % | |
| Price To Earnings YoY | -6.98 % | |
| Price To Earnings IPRWA | high: 311.81 median: 129.079 mean: 124.607 JKHY: 110.952 low: -161.471 |
|
| PE/G Ratio | 14.626 | |
| Price To Sales (P/S) | 20.145 | |
| Price To Sales QoQ | -7.13 % | |
| Price To Sales YoY | -5.966 % | |
| Price To Sales IPRWA | high: 63.641 median: 63.007 mean: 41.321 JKHY: 20.145 low: 0.281 |
|
| FORWARD MULTIPLES | ||
| Forward P/E | 112.693 | |
| Forward PE/G | 14.855 | |
| Forward P/S | 89.374 | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | 2.326 | |
| ASSET & SALES | ||
| Asset Turnover Ratio | 0.206 | |
| Asset Turnover Ratio QoQ | 2.852 % | |
| Asset Turnover Ratio YoY | 4.74 % | |
| Asset Turnover Ratio IPRWA | high: 0.467 JKHY: 0.206 mean: 0.15 median: 0.148 low: -0.019 |
|
| Receivables Turnover | 2.007 | |
| Receivables Turnover Ratio QoQ | -0.746 % | |
| Receivables Turnover Ratio YoY | 9.593 % | |
| Receivables Turnover Ratio IPRWA | high: 8.91 mean: 2.007 JKHY: 2.007 median: 1.875 low: -3.771 |
|
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | 45.476 | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | — | |
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | 4.224 | |
| CapEx To Revenue | -0.091 | |
| CapEx To Depreciation | -5.281 | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | $ 2.1 B | |
| Net Invested Capital | $ 2.1 B | |
| Invested Capital | $ 2.1 B | |
| Net Tangible Assets | $ 640.8 M | |
| Net Working Capital | $ 145.7 M | |
| LIQUIDITY | ||
| Cash Ratio | 0.19 | |
| Current Ratio | 1.272 | |
| Current Ratio QoQ | -6.602 % | |
| Current Ratio YoY | 27.551 % | |
| Current Ratio IPRWA | high: 8.192 mean: 1.282 JKHY: 1.272 median: 1.163 low: 0.102 |
|
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 1.048 % | |
| Interest Coverage Ratio | 77.094 | |
| Interest Coverage Ratio QoQ | 45.564 % | |
| Interest Coverage Ratio YoY | 123.289 % | |
| Interest Coverage Ratio IPRWA | high: 93.455 JKHY: 77.094 mean: 28.54 median: 24.959 low: -85.699 |
|
| Operating Cash Flow Ratio | 0.296 | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | 5.495 | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | 3.025 | |
| Dividend Payout Ratio | 0.331 | |
| Dividend Rate | $ 0.58 | |
| Dividend Yield | 0.003 | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | 3.818 % | |
| Revenue Growth | 5.176 % | |
| Revenue Growth QoQ | 164.216 % | |
| Revenue Growth YoY | 30.575 % | |
| Revenue Growth IPRWA | high: 48.984 % median: 11.911 % mean: 10.38 % JKHY: 5.176 % low: -36.33 % |
|
| Earnings Growth | 7.586 % | |
| Earnings Growth QoQ | -43.527 % | |
| Earnings Growth YoY | -52.487 % | |
| Earnings Growth IPRWA | high: 200.0 % mean: 20.25 % median: 11.26 % JKHY: 7.586 % low: -261.224 % |
|
| MARGINS | ||
| Gross Margin | 44.119 % | |
| Gross Margin QoQ | 5.576 % | |
| Gross Margin YoY | 6.185 % | |
| Gross Margin IPRWA | high: 91.59 % median: 75.664 % mean: 64.257 % JKHY: 44.119 % low: -33.394 % |
|
| EBIT Margin | 26.334 % | |
| EBIT Margin QoQ | 6.525 % | |
| EBIT Margin YoY | 9.812 % | |
| EBIT Margin IPRWA | high: 140.428 % mean: 32.473 % JKHY: 26.334 % median: 19.824 % low: -150.653 % |
|
| Return On Sales (ROS) | 25.301 % | |
| Return On Sales QoQ | 2.346 % | |
| Return On Sales YoY | 5.504 % | |
| Return On Sales IPRWA | high: 72.429 % mean: 30.901 % JKHY: 25.301 % median: 18.71 % low: -141.554 % |
|
| CASH FLOW | ||
| Free Cash Flow (FCF) | $ 271.3 M | |
| Free Cash Flow Yield | 2.188 % | |
| Free Cash Flow Yield QoQ | 441.584 % | |
| Free Cash Flow Yield YoY | 60.411 % | |
| Free Cash Flow Yield IPRWA | high: 15.392 % JKHY: 2.188 % median: 0.849 % mean: 0.643 % low: -24.314 % |
|
| Free Cash Growth | 428.448 % | |
| Free Cash Growth QoQ | 438.326 % | |
| Free Cash Growth YoY | 58.303 % | |
| Free Cash Growth IPRWA | high: 457.143 % JKHY: 428.448 % mean: 6.702 % median: -23.922 % low: -471.61 % |
|
| Free Cash To Net Income | 2.126 | |
| Cash Flow Margin | 25.762 % | |
| Cash Flow To Earnings | 1.242 | |
| VALUE & RETURNS | ||
| Economic Value Added | — | |
| Return On Assets (ROA) | 4.271 % | |
| Return On Assets QoQ | 12.306 % | |
| Return On Assets YoY | 20.31 % | |
| Return On Assets IPRWA | high: 14.526 % JKHY: 4.271 % mean: 3.982 % median: 1.79 % low: -14.505 % |
|
| Return On Capital Employed (ROCE) | 6.461 % | |
| Return On Equity (ROE) | 0.06 | |
| Return On Equity QoQ | 9.751 % | |
| Return On Equity YoY | 9.151 % | |
| Return On Equity IPRWA | high: 0.169 JKHY: 0.06 median: 0.042 mean: 0.038 low: -0.399 |
|
| DuPont ROE | 6.124 % | |
| Return On Invested Capital (ROIC) | 6.067 % | |
| Return On Invested Capital QoQ | 18.196 % | |
| Return On Invested Capital YoY | -96.986 % | |
| Return On Invested Capital IPRWA | high: 14.374 % mean: 7.295 % JKHY: 6.067 % median: 4.251 % low: -16.5 % |
|