JKHY · NASDAQ · STOCK
Jack Henry & Associates (JKHY) Stock Analysis
$149.26
52W $121.04 – $193.39
58/100
$10.61B
21.4
0.56
Is JKHY Bullish or Bearish?
Bullish.
Innellis AI committee rates Jack Henry & Associates (JKHY) Buy with a composite score of 58/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +16.68 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -3.32 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 23.5% shows genuine earnings power backing the valuation — Value
- 5 consecutive earnings beats -- consistent execution — Growth
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Low leverage (debt-to-equity 0.02) -- balance sheet can absorb a shock — Risk
- News sentiment is positive (+0.20 across 16 articles, 14d) — News
Bear Case
- Price-to-book of 4.8x prices in significant intangible value — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Price structure making lower highs and lower lows — Technical
- Price structure (HH_HL) contradicts the downtrend -- mixed signals — Technical
- Bollinger bandwidth of 15.2% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
58/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 52%
of 287 Technology peers
Value Analyst
neutral
59
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 23.5% shows genuine earnings power backing the valuation
− Price-to-book of 4.8x prices in significant intangible value
Growth Analyst
neutral
52
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ 5 consecutive earnings beats -- consistent execution
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
53
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.02) -- balance sheet can absorb a shock
− Bollinger bandwidth of 15.2% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 16 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 58.3 to 58.3.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Risk Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
55.4
Neutral
MACD Histogram
0.344
Bullish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Hh Hl
Support
$144.16
Resistance
$174.18
Bollinger %B
0.49
Inside Bands
Price vs Moving Averages
EMA 9
$147.11
Above
EMA 21
$149.91
Below
EMA 50
$152.53
Below
EMA 200
$155.33
Below
Fundamental Analysis
Valuation
58
Growth
61
Profitability
90
Financial Health
65
Cash Flow
70
Valuation
P/E Ratio
21.4×
P/B Ratio
5.24×
PEG Ratio
1.83
Dividend Yield
1.61%
52W High
$193.39
52W Low
$121.04
Quality & Growth
ROE
2450.2%
ROA
1598.3%
Gross Margin
4360.4%
Operating Margin
2490.6%
Revenue Growth YoY
—
Debt / Equity
0.02
AI Fundamental Assessment
P/E ratio of 21.4 (inexpensive relative to a 15-40x range); Price-to-book of 5.2x; PEG ratio of 1.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 24.5%; Return on assets of 16.0%; Net margin of 19.8%; Gross margin of 43.6%; Current ratio of 1.17 (tight short-term liquidity); Debt-to-equity of 0.02; Free cash flow per share is positive (9.65); Most recent quarter beat estimates by 5.4%; 5 consecutive earnings beats; EPS growth decelerating (-0.6% -> -8.2% QoQ); Average YoY EPS growth of -10.3%; Analyst estimates flat over recent quarters
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