MARKETS / NASDAQ / JKHY

NASDAQ · SERVICES-COMPUTER INTEGRATED SYSTEMS DESIGN · LARGE CAP

Jack Henry & Associates Inc. JKHY

18 fiscal years on record · USD · FY2025 reported · SEC filings only

17 YEARS OF DIVIDEND GROWTH

Revenue

$2.5B

▲ 7.1% YoY

Net income

$502.8M

▲ 10.3% YoY

Free cash flow

$694.9M

▲ 18.1% YoY

In brief

What this company does

Jack Henry & Associates, Inc. provides products and services primarily to community and regional banks and credit unions. As of June 30, 2025, it had approximately 7,240 full-time and part-time associates. Core bank integrated data processing systems are provided to over 950 banks. Core credit union data processing solutions are provided to credit unions of all sizes, with a client base of approximately 715 credit unions. Non-core highly specialized core-agnostic products and services are also provided to banks and credit unions. Jack Henry & Associates, Inc. was founded in 1976. It has supplemented its organic growth with 35 strategic acquisitions since the end of fiscal year 1999.

Written from the business description in JACK HENRY & ASSOCIATES, INC.'s annual report to the U.S. Securities and Exchange Commission, filed 25 August 2025. Every sentence was checked against that document before publication.

Growth

USD 2.5B

Revenue, FY2025 · full 18-year series below

Revenue $B Net income $B

FY2025 · Revenue 2.5 · Net income 0.5

Compound annual growth

Revenue

+7.0%

+7.7%

+6.5%

+6.7%

Net income

+11.1%

+10.1%

+7.3%

+9.0%

EPS, diluted

+11.6%

+11.1%

+8.4%

+10.4%

Dividend / share

+5.6%

+6.0%

+8.4%

+12.6%

Returned to shareholders

+56.0%

+1.8%

+9.1%

+21.1%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +7.7% a year over five years — but profit grew faster: net income at +10.1%, earnings per share at +11.1%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

20 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 25.0% · Net 19.8%

ROE

FY2025 · ROE 24.0%

Gross margin43.7%

Operating margin25.0%

Net margin19.8%

Return on assets16.2%

EBITDAUSD 677.1M

Each USD of equity produced 24 cents of profit this year.

Cash & shareholders

USD 606.9M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 694.9

Net buybacks $M Dividends $M

FY2025 · Dividends 170.4 · Net buybacks 436.5

Dividends paidUSD 170.4M

Net buybacksUSD 436.5M

Share of profit120.7%

Consecutive raises17 years

USD 170.4M in dividends and USD 436.5M in buybacks — 121% of the year's profit, so the payout drew on cash built up earlier.

Total assetsUSD 3.1B

EquityUSD 2.1B

CashUSD 12.1M

Gross debtUSD 40.0M

Net debtUSD 27.9M

Current ratio1.17×

Net debt stands at 1% of equity.

The 18-year record

18 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008
Revenue $B	2.5	2.4	2.2	2.1	1.9	1.8	1.7	1.6	1.5	1.4	1.4	1.3	1.2	1.1	1.0	1.0	0.8	0.7
Operating income $B	0.6	0.6	0.5	0.5	0.5	0.4	0.4	0.3	0.4	0.3	0.4	0.3	0.3	0.3	0.2	0.2	0.2	0.2
EBITDA $B	0.7	0.6	0.5	0.5	0.5	0.5	0.4	0.4	0.4	0.4	0.4	0.4	0.3	0.3	0.3	0.3	0.2	0.2
Income tax $B	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.1	−0.0	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
Net income $B	0.5	0.5	0.4	0.4	0.4	0.3	0.3	0.3	0.4	0.2	0.2	0.2	0.2	0.2	0.2	0.1	0.1	0.1
Free cash flow $B	0.7	0.6	0.5	0.3	0.5	0.4	0.5	0.4	0.4	0.3	0.3	0.3	0.3	0.3	0.2	0.2	0.2	0.2
EPS, diluted $	6.98	6.24	5.23	5.02	4.94	4.12	3.86	3.52	4.70	2.93	3.12	2.59	2.19	1.94	1.74	1.59	1.38	1.22
Dividend / sh $	2.38	2.26	2.14	2.02	1.90	1.78	1.66	1.54	1.36	1.18	1.06	0.94	0.84	0.56	0.44	0.40	0.36	0.32
Payout %	34	36	41	40	38	43	43	44	29	40	34	36	38	29	25	25	26	26
ROE %	24.0	22.9	22.1	24.5	26.9	21.7	19.9	19.8	30.1	21.9	25.0	21.6	18.8	17.2	16.7	16.9	17.1	16.5

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 79 reconciliationsAUDITED

Reconciled in 18 of 19 fiscal years. 7 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityServices-Computer Integrated Systems Design

Listed onNASDAQ

Incorporated inDelaware

Fiscal year endsJune 30

Data on record since2008