JKHY
Jack Henry & AssociatesNASDAQFinancialsInformation Technology ServicesSnapshot 2026-05-08
As of May 8, 2026, JKHY has a composite score of 11.6 and a signal label of "mild favorable." The company momentum score decreased by 12.1 points to 36.2, and the valuation label changed from "fair" to "full." The top drivers influencing this score include macroeconomic factors such as rates, growth, labor, and inflation.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share1.00
- Slope (norm)0.16
- Bonus0.00
Why this rank
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $1.52 → $1.45 (-4.9% / 30d). 2 raised, 5 cut, 5 covering analysts.
0 upgrades, 0 downgrades / 30d, 3 maintained. 75% of analysts rate Buy.
3 PT revisions / 30d. Avg target 18.2% above current price.
1 positive, 0 negative / 30d. See F4 management tile for the event list.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
No recent events recorded.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Increase full year revenue guidancegrowthbehind15% progress
5/5: “Based on our positive outlook, we have increased our full year non-GAAP revenue guidance.”
Why this status
Stated in 3 of last 3 quarters. Revenue guidance increased from $2,491M in 2025-Q4 to $2,525M in 2026-Q2. The trajectory shows management is delivering on its growth priority with consistent upward revisions.
- 2.Expand operating margin guidancegrowthbehind15% progress
5/5: “We have increased our full year non-GAAP margin expansion guidance.”
Why this status
Stated in 3 of last 3 quarters. Operating margin guidance increased from 24.1% in 2025-Q4 to 24.5% in 2026-Q2. Management is delivering on its margin expansion priority with consistent upward revisions.
- 3.Increase full year EPS guidancegrowthbehind15% progress
5/5: “We have increased our full year GAAP EPS guidance.”
Why this status
Stated in 3 of last 3 quarters. EPS guidance increased from $6.49 in 2025-Q4 to $6.87 in 2026-Q2. Management is delivering on its EPS growth priority with consistent upward revisions.
Guidance track record
Last 5 quarters of EPS guidance with actuals.
Per-quarter detail
| Period | Guidance | Actual | Result |
|---|---|---|---|
| 2020-06-30 | $0.94 | $0.80 | miss |
| 2021-06-30 | $3.85 – $3.90 | $1.04 | miss |
| 2022-06-30 | $4.80 – $4.85 | $1.10 | miss |
| 2022-09-30 | — | $1.46 | unclassifiable |
| 2023-06-30 | $4.85 – $4.87 | $1.34 | miss |
Beat / inside / miss is computed from the guided range when issued; for point-estimate quarters a ±5% tolerance band around the mid is used. surprise_pct_vs_mid is unstable when guided EPS is near zero, so it is not surfaced as a headline.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 28%; 252d 24%.
Drawdown — Max 1y −26%. Bad day move −3%.
Beta to sector ETF (XLF) — 0.63 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 61/100, drawdown 49/100, beta 63/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- score change · company_momentum_scoreseverity 20
Company momentum fell by 12.1 points (from 48.3 to 36.2).
- label change · valuation_labelseverity 20
Valuation label changed from 'fair' to 'full'.
As of May 8, 2026, JKHY's company momentum score fell by 12.1 points, changing from 48.3 to 36.2. Additionally, the valuation label changed from 'fair' to 'full'. These changes indicate a downward shift in momentum and an adjustment in valuation perception.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 0% of the last 4 guided quarters · -59.4% avg surprise
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Increase full year revenue guidance
GrowthNew since 2026-05-05Management has increased the full year revenue guidance for fiscal 2026.
BehindStated in 3 of last 3 quarters. Revenue guidance increased from $2,491M in 2025-Q4 to $2,525M in 2026-Q2. The trajectory shows management is delivering on its growth priority with consistent upward revisions.
Revenue guidance increased from $2,491M to $2,525M15%CEO/CFO:“Based on our positive outlook, we have increased our full year non-GAAP revenue guidance.”Multiple sourcesSource dated 2026-05-05Stated 3 of last 8 quartersFirst seen 2026-05-05Show history (3)
- 2026-Q2Multiple sources
“Based on our positive outlook, we have increased our full year non-GAAP revenue guidance.”
- 2026-Q1Multiple sources
“Full year fiscal 2026 guidance (Dollars in millions) : Current GAAP Low High Revenue $2,508 $2,525”
- 2025-Q4Multiple sources
“Current GAAP Low High Revenue $2,491 $2,514”
- #2
Expand operating margin guidance
GrowthNew since 2026-05-05Management has increased the full year operating margin guidance for fiscal 2026.
BehindStated in 3 of last 3 quarters. Operating margin guidance increased from 24.1% in 2025-Q4 to 24.5% in 2026-Q2. Management is delivering on its margin expansion priority with consistent upward revisions.
15%CEO/CFO:“We have increased our full year non-GAAP margin expansion guidance.”Multiple sourcesSource dated 2026-05-05Stated 3 of last 8 quartersFirst seen 2026-05-05Show history (3)
- 2026-Q2Multiple sources
“We have increased our full year non-GAAP margin expansion guidance.”
- 2026-Q1Multiple sources
“Operating margin 24.3% 24.5%”
- 2025-Q4Multiple sources
“Operating margin 23.9% 24.1%”
- #3
Increase full year EPS guidance
GrowthNew since 2026-05-05Management has increased the full year EPS guidance for fiscal 2026.
BehindStated in 3 of last 3 quarters. EPS guidance increased from $6.49 in 2025-Q4 to $6.87 in 2026-Q2. Management is delivering on its EPS growth priority with consistent upward revisions.
EPS guidance increased from $6.49 to $6.8715%CEO/CFO:“We have increased our full year GAAP EPS guidance.”Multiple sourcesSource dated 2026-05-05Stated 3 of last 8 quartersFirst seen 2026-05-05Show history (3)
- 2026-Q2Multiple sources
“We have increased our full year GAAP EPS guidance.”
- 2026-Q1Multiple sources
“GAAP EPS $6.61 $6.72”
- 2025-Q4Multiple sources
“GAAP EPS $6.38 $6.49”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Looks more expensive than peers.
Cheaper than its own typical valuation.
P/E over the last 5 years
71 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
JKHY Jack Henry & Associates | +12 | full | moderate |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is cut (currently RAISED as of 2026-05-05)-16 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
- If growth state reverses from +0.25 (positive) to -0.25 (negative)-3.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-05-053d agoItem 2.02
Results of Operations and Financial Condition. On May 5, 2026, Jack Henry & Associates, Inc. issued a press release announcing fiscal 2026 third quarter results, the text of which is attached hereto as Exhibit 99.1.
earnings preannouncement—score 61 - 2026-04-2811d agoItem 2.02
Results of Operations and Financial Condition. On April 28, 2026, Jack Henry & Associates, Inc. issued a press release announcing its deconversion revenue for the fiscal third quarter ended March 31, 2026, the text of which is attached hereto as Exhibit 99.1.
earnings preannouncementpositivescore 56
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.