JKHY

Jack Henry & Associates, Inc. ·Nasdaq Global Select·Financial Services
152.96 live · 2026-08-13 09:53

Some scores are at the bottom of their range

This score sits at the bottom of the 0–100 range. The underlying calculation was negative, so the displayed value is a floor, not a measurement of zero.

  • Tactical Score: displayed 0, underlying value -5.8
39.5%
Brown Bear Score
67.9%
Business Conviction Score
23.3%
Position Health Score
3.4%
Chase Risk
Daily closes

Daily closes · 1Y (252 sessions) · -4.7% · range 123.42–192.60

The Businesswhat the company reports

Business & cash flow

FCF / assets 19.3%
OCF / assets 21.1%
FCF / revenue 27.0%
Gross margin 44.1%
ROIC 23.8%
Forward P/E 21.4

FCF/assets and OCF/assets are the cash-flow measures Brown Bear's own testing found to survive; FCF/revenue is shown alongside for context. Assets are from the latest annual filing (FY2025).

Price vs Earnings growth

Forward EPS growth has outpaced trailing price return by +4.7pp

Confidence 95.0/100

Takeaway Price and forward earnings growth are broadly in step; no strong valuation lean either way.

Reported earnings

Next report 2026-08-18 after the close · consensus EPS 1.47

Q2 23 revenue: 534.63mQ2 23 net income: 97.77mQ2 23 EPS: 1.34Q3 23 revenue: 571.37mQ3 23 net income: 101.68mQ3 23 EPS: 1.39Q3 23Q4 23 revenue: 545.70mQ4 23 net income: 91.97mQ4 23 EPS: 1.26Q1 24 revenue: 538.56mQ1 24 net income: 87.10mQ1 24 EPS: 1.19Q1 24Q2 24 revenue: 559.91mQ2 24 net income: 101.07mQ2 24 EPS: 1.38Q3 24 revenue: 600.98mQ3 24 net income: 119.19mQ3 24 EPS: 1.63Q3 24Q4 24 revenue: 573.85mQ4 24 net income: 97.84mQ4 24 EPS: 1.34Q1 25 revenue: 585.09mQ1 25 net income: 111.11mQ1 25 EPS: 1.52Q1 25Q2 25 revenue: 615.37mQ2 25 net income: 127.60mQ2 25 EPS: 1.75Q3 25 revenue: 644.74mQ3 25 net income: 143.99mQ3 25 EPS: 1.97Q3 25Q4 25 revenue: 619.33mQ4 25 net income: 124.67mQ4 25 EPS: 1.72Q1 26 revenue: 636.25mQ1 26 net income: 122.89mQ1 26 EPS: 1.71Q1 26

Revenue Net incomeEPS (GAAP) (1.19–1.97, own scale) Derived Q4

12 quarters to Q1 26. Revenue and net income share one scale, so the gap between them is the margin. The line is GAAP EPS — it spans every quarter shown, where the reported figure only goes back as far as the consensus feed does.

Quarter endingRevenueYoY Net incomeEPS (GAAP) EPS reportedvs consensus Filed
2026-03-31 636.25m +8.7% 122.89m 1.71 1.71 +14.9% 2026-05-07
2025-12-31 619.33m +7.9% 124.67m 1.72 1.72 +17.8% 2026-02-06
2025-09-30 644.74m +7.3% 143.99m 1.97 1.97 +12.9% 2025-11-07
2025-06-30 (derived) 615.37m +9.9% 127.60m 1.75 1.75 +8.7% 2025-08-25

Earnings response

Typical move around a filing ±1.8%
On an ordinary two days ±1.1% — filings move it 1.7× as much
Direction 4 up, 8 down over 12 filings
Revenue change and price reaction, by quarter
Q3 22 revenue +8.4% year on yearQ3 22 filed 2022-11-09: price -2.9%Q4 22 revenue +2.3% year on yearQ4 22 filed 2023-02-09: price +3.6%Q4 22Q1 23 revenue +6.3% year on yearQ1 23 filed 2023-05-08: price -0.5%Q3 23 revenue +8.0% year on yearQ3 23 filed 2023-11-09: price -1.3%Q3 23Q4 23 revenue +8.0% year on yearQ4 23 filed 2024-02-08: price +4.0%Q1 24 revenue +5.9% year on yearQ1 24 filed 2024-05-09: price +2.2%Q1 24Q3 24 revenue +5.2% year on yearQ3 24 filed 2024-11-08: price -1.6%Q4 24 revenue +5.2% year on yearQ4 24 filed 2025-02-07: price -0.1%Q4 24Q1 25 revenue +8.6% year on yearQ1 25 filed 2025-05-12: price -1.4%Q3 25 revenue +7.3% year on yearQ3 25 filed 2025-11-07: price -0.3%Q3 25Q4 25 revenue +7.9% year on yearQ4 25 filed 2026-02-06: price -3.1%Q1 26 revenue +8.7% year on yearQ1 26 filed 2026-05-07: price +2.1%Q1 26

Revenue up year on year Revenue down Price move around the filing separate scales — a crossing means nothing

Quarter endingFiledRevenue YoY Move around filingNext 20 sessions vs SPY
2026-03-31 2026-05-07 +8.7% +2.1% -13.2%
2025-12-31 2026-02-06 +7.9% -3.1% +2.5%
2025-09-30 2025-11-07 +7.3% -0.3% +10.9%
2025-03-31 2025-05-12 +8.6% -1.4% -1.3%

Share count

Diluted shares over time

Diluted shares Return since the previous filing

Direction Shrinking — shares retired
Diluted shares 72.0M as at 2026-03-31
Change over 1 year -1.4%
Change over 3 years -1.5%
Public float $12.71bn as at 2024-12-31 (10-K)

The Pricewhat the chart is doingTop ↑

Price Levels

StrategyCurrent Price Reasonable
Reference band 150.03 — 153.83
Protective stop 140.96 (Atr, 7.2% risk)
Support 151.35 (4 touches, 0.6% away)
Resistance 156.39 (2.7% away)

Takeaway The shares are nearer the floor than the ceiling: about 0.6% above 151.35, a price buyers have stepped in at before, and 2.7% below 156.39, where sellers have turned up before. That floor has held 4 times, which is how it was spotted. If someone bought at today's price and sold if it dropped through the level below, they would be about 7.2% out of pocket. That is all this figure means — an illustration of the risk, not a price to sell at.

Levels are computed from price structure. They describe where the engine locates support and extension — they are not targets, and not advice.

Ichimoku Cloud (Adaptive)

Daily cloudPrice ABOVE the cloud | periods 7/20/39 (75% of classic 9/26/52)
LinesTenkan/Kijun BULL | cloud twist BULL
Cloud thickness92% percentile (thick — substantial structure)
Chikou spanAbove price from 26 periods ago
Weekly cloudPrice INSIDE the weekly cloud (context only, not scored)

Takeaway The stock is trading above its cloud — a shaded band drawn from several of its own moving averages, currently 142.00 to 151.75. Being above it means the medium-term picture is pointing upwards, and that band is the first place the stock has recent support if it slips back. Its shorter-term averages agree with that. The band is unusually wide at the moment, so it marks a broad zone rather than a single level.

Trailing returns

21 days +4.8%
63 days +5.2%
126 days -10.7%
252 days -3.9%
Below 252d high20.9%

Trend context

PositionAt trend
ExtensionNormal
Trend slopeFlat
Direction of travelHolding its deviation

Takeaway The share price is close to the level its own longer-run trend suggests is fair, and that fair level is going sideways. The gap between the two has been fairly steady. Neither is stretched far enough to stand out.

Volatility

State In a squeeze
Current band width9.1% of price
Recent tightest9.1% (0 sessions ago, narrower than 87.0% of its history)
Expansion since1.00×
Band 146.72 — 160.66

Takeaway Lately this share price has been swinging around inside a range roughly 9% wide, and it recently went unusually quiet — calmer than it has been 87% of the time. When a stock goes quiet like this, its next move tends to look big by comparison. But quiet says nothing about which way it will go: Brown Bear tested calm-before-a-move as a reason to buy, and it did not work.

Historical trends

0255075100Share price 145.37–155.082026-07-032026-08-12
Position Health Business Conviction Share price

History begins when the site started recording, not when the company listed, so a short line means a short record and nothing more.

Repair Pathway

  1. Nearest Trigger EMA20 reclaim +0.2% gap is improving · Broadly stable
  2. Trigger 2 MACD histogram acceleration turns positive repair trigger repair engine identifies this as the nearest technical repair catalyst · Broadly stable
  3. Trigger 3 Volume confirmation above 1.2x +0.20x volume confirmation would improve confidence in the pathway · Broadly stable
  4. Trigger 4 MACD bullish crossover secondary repair secondary repair catalyst could add confirmation if the primary trigger develops · Deteriorating
  5. Trigger 5 Relative momentum rank above 0.55 +0.27 rank relative momentum leadership is not yet strong enough for the next action tier · Broadly stable

Who's Tradingthe flow behind the priceTop ↑

Insider activity

ActivityNo filings in the window
Buy filings0
Sell filings0

Open-market Form 4 purchases and sales over the last 75 days, read from SEC EDGAR Form 4. Grants, option exercises, gifts and shares withheld for tax are excluded — they are compensation mechanics, not a decision to buy or sell. Reported Form 4 activity. Brown Bear tested insider cluster-buying as a return signal and rejected it as era-unstable; shown as fact, not signal.

Volume confirmation

Volume-price trend Above its signal line
Confirmation Marginal

No absorption or distribution event in the recent window.

Takeaway Slightly more shares change hands on rising days than on falling ones, but the gap is too small to read anything into.

Options Positioning

Binary-event risk flagged

JKHY: binary-event risk suspected -- Term structure inverted (near 46% IV vs far 32% IV, ratio 1.40); Implied move 5.4% is 0.69x the ATR-expected 7.8% over 8d. Options market is pricing a discrete catalyst; technical breakout signals are unreliable until it resolves.

Implied volatility 46% near (8d) · 32% far (127d) — Term structure inverted — the market is pricing an event in the near window
Term structure 1.40× near/far
Historical volatility 29%
Implied vs historical 1.57× — Options are priced well above what the stock has actually done
Implied move ±5.4% by 2026-08-21 — Large relative to this stock's normal daily range
Implied move vs ATR 0.69×
Skew Call Skew (0.71×)
Call wall 155.00 (+1.3% away)
Put wall 145.00 (-5.2% away)
Gamma pin 145.00
  • Term structure inverted (near 46% IV vs far 32% IV, ratio 1.40)
  • Implied move 5.4% is 0.69x the ATR-expected 7.8% over 8d

Takeaway Insuring against a move in this stock costs more for the next few weeks than for the next few months. Traders usually pay up like that when they know something is coming soon — results, a court ruling, a regulatory decision. Options traders are positioned for a move of around 5.4% in either direction by 2026-08-21. The overall shape suggests they expect a one-off result that lands either well or badly, rather than a gradual drift.

Chain as at 2026-08-13. This is a risk read on whether a specific event is being priced — not a directional view.

Context & Methodthe record, and how it was builtTop ↑

Relative Rotation

ImprovingLeadingLaggingWeakeningvs sectorvs SPYsector vs SPYRS-Ratio →RS-Momentum →

Stock Rotation Headwind

Rotation health 2.4/100; Severe Rotation Headwind.

Rotation health 2.4
Rotation strength 88.2
LegQuadrantRS-RatioRS-Mom
Stock vs sector Lagging 80.7 70.8
Stock vs SPY Lagging 76.2 78.8
Sector vs SPY Lagging 76.4 91.0

Direction of travel: South-West / deteriorating rotation

Position only. Brown Bear's RRG redesign programme is closed — five constructions, none beat an appropriate null — so this section describes where the name sits, and is not a signal.

News Headlines

  1. Loading headlines\u2026

Headlines are supplied by third-party feeds and are not written, ranked or interpreted by Brown Bear. They feed no score on this page.

Detailed Scoring

Positive signals

  • Piotroski F-score 7/9 (+20.0)
  • Altman Z-score 15.16 (+10.0)
  • Gross margin quality: 44.1% (+8.8)
  • ROIC quality: 23.8% (+16.1)
  • FCF margin quality: 27.0% (+18.0)
  • Gross margin improving by 2.7 pts (+2.0)
  • High earnings quality (accrual ratio -0.061) (+5.0)
  • Track 1: bullish DI spread 8.3 (+3.0)
  • Track 1: EMA20 slope improving 0.8% (+2.0)
  • Track 1: RSI recovery 56.4, 5-day change +5.7 (+3.2)
  • Track 1: VPT strength 0.03 (+0.7)
  • Track 1: price above EMA50 by 2.7% (+1.7)
  • Track 1: EMA50 slope improving 2.2% (+3.0)
  • Track 1: EMA50 support proximity 2.7% (+2.8)
  • Track 1: EMA200 support proximity 1.7% (+5.8)
  • Track 1: Bollinger position 0.40 (+4.8)

Negative signals

  • Track 1: weak MACD histogram (-0.80)
  • Relative strength versus sector deteriorating
  • Track 1: negative 20-day momentum acceleration (-0.11)
  • Weak relative momentum rank (0.28)
  • Track 1: price below EMA20 by 0.2%
  • Track 1: MACD histogram deteriorating (-0.65)
  • Track 1: weak MACD line/signal structure (-5.0)
  • Track 1: MACD slope deteriorating (-5.0)

Chase risk is not elevated for this name, so extension penalties are omitted from the negative signals above.