Forensic Analysis · Software & SaaS · as of Nov 9, 2026

Jack Henry & Associates Inc (JKHY)

A forensic read on Jack Henry & Associates Inc built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.

A · High-quality compounder

Forensic grade

Safe

Financial health

7.4

Distress distance

Clean

Earnings quality

Forensic signals

24.0%

ROE

7.1%

Revenue growth

This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (auditor quality, say on pay, board independence, going concern). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.

Jack Henry & Associates Inc earns an A (High-quality compounder) forensic quality grade, and its balance-sheet distress test reads 7.4, placing it in the Safe zone. 1 forensic signal was flagged in its latest SEC filings, led by shareholder returns.

What the filings flag

121% of FCF

FY2026

Shareholder returns. Returned $619M to shareholders (buybacks + dividends) in FY2026 — 121% of free cash flow, but 81% of operating cash flow. Returns run ahead of free cash flow because the business is also funding heavy growth capex (usually debt-financed); the payout itself is covered by operating cash — sustainable as long as that spending is genuine expansion, not upkeep. Counting the $32M of stock-based comp paid out in shares on top of that, the combined claim on free cash flow is 128%.

Key fundamentals

Latest Revenue$2.54B

Revenue Growth YoY+7.1%

Revenue CAGR (2yr)+7.2%

Net Margin19.8%

Free Cash Flow$510.6M

Return on Equity24.0%

Debt / Equity0.02x

The forensic grade and screens above are free — no account needed. Want the AI investment read on top — the 0–100 rating, thesis, bull-vs-bear, red flags and the 12-month scenario, written from Jack Henry & Associates Inc's actual 10-K/10-Q/8-K filings?

Generate the AI investment read →

No credit card · informational only, not investment advice · see the track record

← Browse all forensic stock analyses

Data from SEC EDGAR public filings · metrics as of Nov 9, 2026. Forensic signals flag probability, not certainty.

See a wrong number? Report an error with the filing it should match.