
JKHY Stock Forecast & Price Target
JKHY Analyst Ratings
Bulls say
Jack Henry & Associates demonstrated robust financial performance with F4Q25 GAAP operating margins expanding to 25.3%, driven by increased deconversion fees and strong underlying margin improvements attributed to effective expense control and enhanced core segment performance. The company showcased a compelling demand environment, securing 51 core wins and 47 new contracts for its Financial Crimes Defender, indicating strong market traction and potential for accelerated organic growth. Additionally, the strategic elimination of debt and favorable tax legislation creates a favorable backdrop for future capital deployment and enhanced free cash flow conversion projected at 85%–100%, reinforcing Jack Henry's strong operational positioning and growth outlook.
Bears say
Jack Henry & Associates is facing a challenging outlook due to a conservative projection of deconversion fee revenue, reflecting a decrease of $8 million year-over-year, which adversely impacts the earnings per share (EPS) forecast by $0.16. Additionally, the company is confronted with several risk factors, including heightened competition, potential margin pressures from payment platform migrations, and consequences stemming from ongoing bank industry consolidation. Furthermore, the potential for a prolonged global recession may exacerbate these issues, as diminished technology spending among banks could lead to a deceleration in organic growth.
This aggregate rating is based on analysts' research of Jack Henry & Associates and is not a guaranteed prediction by Public.com or investment advice.
JKHY Analyst Forecast & Price Prediction
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