Jack Henry & Associates, Inc. (JKHY)

In August 2025, Jack Henry & Associates reported better-than-expected fourth-quarter earnings for fiscal year 2025, leading to a marginal uptick in the stock price. Despite positive Q4 results, the stock experienced a challenging period, reaching a 52-week low in September 2025 and declining by 12.85% over the past year. The company announced a regular quarterly cash dividend of $0.58 per share, payable on September 26, 2025. Jack Henry and MeridianLink expanded their partnership to enhance digital lending and account opening capabilities. Jack Henry acquired Victor Technologies to expand its Platform-as-a-Service (PaaS) capabilities. In October 2025, Jack Henry was upgraded to a Zacks Rank #2 (Buy). Mimi Carsley, CFO & Treasurer, presented at the Morgan Stanley US Financials Conference on June 11, 2025. Jack Henry & Associates is scheduled to announce its first-quarter fiscal 2026 earnings after market close on November 4, 2025.

While specific detailed seasonality is not extensively documented, Jack Henry & Associates has acknowledged "seasonal factors" contributing to a slower start in its first fiscal quarter (July-September). The demand for core banking technology and payment processing services is generally considered robust, and the company's business model contributes to a degree of stability in demand.

Jack Henry & Associates, Inc. is a financial technology company providing technology solutions and payment processing services to financial institutions. The company operates in the fintech sector, focusing on IT Software & Services and Services-computer Integrated Systems Design industries, with a business model based on subscription and transaction-based revenue. Its major brands include Jack Henry Banking, Symitar, and ProfitStars, offering integrated computer systems, information processing solutions, and specialized products and services. The company also provides digital banking, risk management, and customer relationship management solutions, along with hardware like IBM Power Systems and HP servers.

Jack Henry & Associates primarily serves financial institutions across the United States, assisting community banks, credit unions, and regional banks nationwide, serving over 9,000 customers.

Jack Henry & Associates has maintained a strong positive brand reputation, being ranked 82nd on Forbes' Most Trusted Companies in America (2025) and recognized on Forbes' America's Best Employers for Tech Workers (2024). The company was ranked No. 12 in America's Top 100 Most Loved Workplaces® (2025), marking its fourth consecutive year in the top 20. Jack Henry was named one of the U.S. News & World Report's Best Companies to Work For (2024-2025 and 2025-2026).

Institutional investors hold a significant portion of Jack Henry & Associates' stock, with figures ranging from approximately 80% to 100%. Major institutional owners include Vanguard Group Inc, BlackRock, Inc., Morgan Stanley, and State Street Corp. Michael E. Henry is the largest individual shareholder, owning 1.52 million shares, representing 2.09% of the company.