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Market Price

188.06 

-0.52 -0.3%

as of Oct 05 '22

52 Week Range:

147.50 212.62


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Jack Henry & Associates, Inc. provides technology solutions and payment processing services primarily for financial services organizations in the United States. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutions under the Jack Henry Banking brand; core data processing solutions for various credit unions under the Symitar brand; and specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial institutions and corporate entities under the ProfitStars brand. It also provides a suite of integrated applications required to process deposit, loan, and general ledger transactions, as well as to maintain centralized customer/member information; and complementary products and services that enable core bank and credit union clients to respond to evolving customer/member demands. The company's Jack Henry Banking business brand offers SilverLake, a robust primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven, easy-to-use system for banks; and Core Director, a cost-efficient system with point-and-click operation. Its Symitar business brand provides Episys, a robust designed for credit unions. In addition, the company offers digital products and services and electronic payment solutions; purchases and resells hardware systems, including servers, workstations, scanners, and other devices; and provides implementation, training, and support services. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20 Jun '21
Equity (BVPS) 10.19
11.38
12.67
13.49
11.83
12.06
13.07
15.85
18.52
19.76
17.78
growth rate 11.7% 11.3% 6.5% -12.3% 1.9% 8.4% 21.3% 16.9% 6.7% -10.0%
Earnings BIT 207.51
231.67
259.85
288.33
310.99
342.22
338.45
355.61
347.34
380.63
398.72
growth rate 11.6% 12.2% 11.0% 7.9% 10.0% -1.1% 5.1% -2.3% 9.6% 4.8%
Avg.PE 18.94
19.46
23.09
25.25
26.84
28.51
32.42
34.21
36.79
41.60
41.60
growth rate 2.8% 18.7% 9.4% 6.3% 6.2% 13.7% 5.5% 7.5% 13.1% 0.0%
ROA 8.96
9.92
10.88
12.36
12.21
13.63
13.20
19.03
12.84
12.86
13.07
growth rate 10.7% 9.7% 13.6% -1.2% 11.6% -3.2% 44.2% -32.5% 0.2% 1.6%
ROE 16.87
16.64
17.19
19.06
20.81
25.04
24.24
32.77
20.17
19.92
21.71
growth rate -1.4% 3.3% 10.9% 9.2% 20.3% -3.2% 35.2% -38.5% -1.2% 9.0%
ROIC 13.25
14.71
16.39
18.89
20.29
25.08
23.15
32.88
20.17
19.89
21.03
growth rate 11.0% 11.4% 15.3% 7.4% 23.6% -7.7% 42.0% -38.7% -1.4% 5.7%
Cur. Ratio 0.93
1.17
1.09
0.90
1.11
0.97
1.10
0.96
1.21
1.35
1.04
growth rate 25.8% -6.8% -17.4% 23.3% -12.6% 13.4% -12.7% 26.0% 11.6% -23.0%
Quick Ratio 0.76
0.95
0.89
0.71
0.89
0.77
0.87
0.71
0.90
1.08
0.74
growth rate 25.0% -6.3% -20.2% 25.4% -13.5% 13.0% -18.4% 26.8% 20.0% -31.5%
Leverage 1.71
1.65
1.52
1.56
1.85
1.82
1.85
1.62
1.53
1.57
1.77
growth rate -3.5% -7.9% 2.6% 18.6% -1.6% 1.7% -12.4% -5.6% 2.6% 12.7%
Balance Sheet Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20 Jun '21
Acct.Receivable 207.51
226.78
237.37
231.98
248.14
269.56
297.06
333.01
349.34
343.61
359.69
growth rate 9.3% 4.7% -2.3% 7.0% 8.6% 10.2% 12.1% 4.9% -1.6% 4.7%
Acct.Payable 100.83
102.60
10.52
9.93
14.60
6.84
30.36
9.85
9.88
18.49
growth rate 1.8% -89.8% -5.5% 46.9% -53.1% 343.8% -67.6% 0.3% 87.1%
Cur.Assets 354.00
468.65
456.12
390.51
493.50
431.93
520.03
470.74
569.45
669.10
543.74
growth rate 32.4% -2.7% -14.4% 26.4% -12.5% 20.4% -9.5% 21.0% 17.5% -18.7%
Total Assets 1,505.80
1,619.49
1,672.39
1,680.70
1,836.84
1,815.51
1,908.95
2,033.06
2,184.83
2,428.47
2,336.16
growth rate 7.6% 3.3% 0.5% 9.3% -1.2% 5.2% 6.5% 7.5% 11.2% -3.8%
Cash 63.10
157.31
127.91
70.38
148.31
70.31
114.77
31.44
93.63
213.35
50.99
growth rate 149.3% -18.7% -45.0% 110.7% -52.6% 63.2% -72.6% 197.8% 127.9% -76.1%
Inventory 0.00 0.00
growth rate
Cur.Liabilities 380.50
402.24
434.20
446.81
443.61
443.73
471.19
448.06
469.96
494.85
520.86
growth rate 5.7% 8.0% 2.9% -0.7% 0.0% 6.2% -4.9% 4.9% 5.3% 5.3%
Liabilities 626.00
636.44
656.57
713.32
845.30
819.30
876.89
710.21
755.82
878.79
1,016.86
growth rate 1.7% 3.2% 8.6% 18.5% -3.1% 7.0% -19.0% 6.4% 16.3% 15.7%
LT Debt 127.90
106.17
7.37
3.73
50.00
50.00
100.00
growth rate -17.0% -93.1% -49.4% 1,240.8% 0.0% 18.9%
Equity 879.80
983.06
1,015.82
967.39
991.53
996.21
1,032.05
1,322.84
1,429.01
1,549.69
1,319.29
growth rate 11.7% 3.3% -4.8% 2.5% 0.5% 3.6% 28.2% 8.0% 8.4% -14.9%
Common Shares 87.00
87.00
87.00
85.00
82.00
80.00
78.00
1.03
1.04
1.04
1.04
growth rate 0.0% 0.0% -2.3% -3.5% -2.4% -2.5% -98.7% 0.2% 0.1% 0.2%
Cash Flow Statement Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20 Jun '21
Capital Expenditures 0.00
41.44
46.26
33.19
54.41
56.33
41.95
40.14
53.60
53.54
22.99
growth rate 11.6% -28.3% 64.0% 3.5% -25.5% -4.3% 33.5% -0.1% -57.1%
Cash Dividends 34.40
38.13
48.20
71.25
76.41
84.12
91.71
105.02
118.75
127.42
133.80
growth rate 10.8% 26.4% 47.8% 7.2% 10.1% 9.0% 14.5% 13.1% 7.3% 5.0%
Cash From OA 240.10
264.55
309.17
341.66
373.79
366.42
357.32
412.14
431.13
510.53
462.13
growth rate 10.2% 16.9% 10.5% 9.4% -2.0% -2.5% 15.3% 4.6% 18.4% -9.5%
FCF per Share 2.08
2.00
2.37
2.37
2.82
2.84
2.72
3.28
2.96
3.88
4.44
growth rate -3.9% 18.5% 0.0% 19.0% 0.7% -4.2% 20.6% -9.8% 31.1% 14.4%
Sale Purchase of Stock -20.05
-47.65
4.89
5.52
6.41
6.25
growth rate 0.0% 100.0% 12.9% 16.0% -2.5%
FCF 181.00
185.00
211.00
230.00
228.00
201.00
209.00
262.00
260.00
333.00
304.00
growth rate 2.2% 14.1% 9.0% -0.9% -11.8% 4.0% 25.4% -0.8% 28.1% -8.7%
Income Statement Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20 Jun '21
Sales 966.90
1,017.67
1,107.52
1,173.17
1,256.19
1,354.65
1,388.29
1,470.80
1,552.69
1,697.07
1,758.23
growth rate 5.3% 8.8% 5.9% 7.1% 7.8% 2.5% 5.9% 5.6% 9.3% 3.6%
Op.Income 216.30
152.04
167.61
288.33
310.99
342.22
338.45
355.61
347.34
380.63
398.72
growth rate -29.7% 10.2% 72.0% 7.9% 10.0% -1.1% 5.1% -2.3% 9.6% 4.8%
IBT 207.50
227.03
245.06
287.57
316.44
360.54
340.97
356.16
347.24
381.08
397.73
growth rate 9.4% 7.9% 17.4% 10.0% 13.9% -5.4% 4.5% -2.5% 9.8% 4.4%
Net Income 137.50
152.04
167.61
186.72
211.22
248.87
229.56
365.03
271.89
296.67
311.47
growth rate 10.6% 10.2% 11.4% 13.1% 17.8% -7.8% 59.0% -25.5% 9.1% 5.0%
EPS 1.59
1.74
1.94
2.19
2.59
3.12
2.93
4.70
3.52
3.86
4.12
growth rate 9.4% 11.5% 12.9% 18.3% 20.5% -6.1% 60.4% -25.1% 9.7% 6.7%
Gross Profit 399.30
418.82
461.39
493.80
535.85
581.00
582.44
617.66
629.66
688.60
694.83
growth rate 4.9% 10.2% 7.0% 8.5% 8.4% 0.3% 6.1% 1.9% 9.4% 0.9%
R&D 63.40
60.88
63.20
66.75
71.50
81.23
84.75
90.34
96.38
109.99
109.05
growth rate -4.0% 3.8% 5.6% 7.1% 13.6% 4.3% 6.6% 6.7% 14.1% -0.9%

Quarterly Statements

Item Name Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Earnings BIT 91.20
96.30
133.60
125.66
111.59
growth rate 5.6% 38.7% -5.9% -11.2%
Balance Sheet Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Acct.Receivable 235.69
359.69
293.43
279.35
247.55
growth rate 52.6% -18.4% -4.8% -11.4%
Acct.Payable 7.83
18.49
14.02
14.16
14.42
growth rate 136.0% -24.2% 1.0% 1.8%
Cur.Assets 442.67
543.74
490.96
467.03
470.90
growth rate 22.8% -9.7% -4.9% 0.8%
Total Assets 2,211.50
2,336.16
2,280.91
2,280.80
2,272.10
growth rate 5.6% -2.4% 0.0% -0.4%
Cash 70.12
50.99
44.25
29.12
39.80
growth rate -27.3% -13.2% -34.2% 36.7%
Inventory
growth rate
Cur.Liabilities 301.73
520.86
430.04
373.35
320.16
growth rate 72.6% -17.4% -13.2% -14.3%
Liabilities 896.06
1,016.86
885.25
1,008.81
943.50
growth rate 13.5% -12.9% 14.0% -6.5%
LT Debt 200.00
100.00
65.00
240.00
225.00
growth rate -50.0% -35.0% 269.2% -6.3%
Equity 1,315.44
1,319.29
1,395.67
1,272.00
1,328.61
growth rate 0.3% 5.8% -8.9% 4.5%
Common Shares 1.04
1.04
1.04
1.04
1.04
growth rate 0.0% 0.0% 0.1% 0.0%
Cash Flow Statement Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Capital Expenditures 5.37
8.07
9.27
13.10
6.01
growth rate 50.2% 14.9% 41.3% -54.1%
Cash Dividends 34.26
34.02
34.04
33.66
35.68
growth rate -0.7% 0.0% -1.1% 6.0%
Cash From OA 72.33
195.81
106.55
90.80
104.05
growth rate 170.7% -45.6% -14.8% 14.6%
Sale Purchase of Stock
growth rate
FCF 66.96
187.74
97.28
77.70
98.03
growth rate 180.4% -48.2% -20.1% 26.2%
Income Statement Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Sales 433.78
450.29
488.06
493.90
477.57
growth rate 3.8% 8.4% 1.2% -3.3%
Op.Income 91.20
96.30
133.60
125.66
111.59
growth rate 5.6% 38.7% -5.9% -11.2%
IBT 90.94
95.68
133.35
125.22
110.90
growth rate 5.2% 39.4% -6.1% -11.4%
Net Income 71.41
76.86
102.11
95.67
84.71
growth rate 7.6% 32.9% -6.3% -11.5%
EPS
growth rate
Gross Profit 166.01
175.37
211.42
211.07
195.23
growth rate 5.6% 20.6% -0.2% -7.5%
R&D 27.40
28.81
26.75
29.92
30.73
growth rate 5.2% -7.2% 11.8% 2.7%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (44.86)

YOY Growth Grade:

D (48.93)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 48.49 48.49 42.07
EPS / Growth 7.4% 3.88 14.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.3% 7.6% 7.6%
Future PE 2.68 35.25 35.25
Future EPS 4.43 8.06 8.06
Value Price
MOS %
2.93
-98.4%
70.22
-62.7%
70.22
-62.7%
MOS Price 1.47 35.11 35.11
IRT 37.22 20.31 20.31

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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