NAS10029,644+0.67%S&P7,651+0.17%GOLD$4,416+0.37%BTC$81,118+6.17%VIX14.81−4.08%live tape · as of 13:00 UTC
The Screen · Financials · Information Technology Services
Jack Henry & Associates
JKHY · a US exchange · USD · Market cap $11.3B · 7,300 employees
Jack Henry & Associates, Inc.
FAIL · Does not pass the screen
161.42 USD
At the last full screen 2026-09-10
Screened 2026-09-10 · the tape above runs as of 13:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markup label.
Jack Henry & Associates holds its Markup at $161.42. The statistical read favours the buyers, held for 7 days.
As held on the ledger · 2026-09-10
Phase
Markup
Quantitative state
The statistical read favours the buyers, held for 7 days
Price at the screen
$161.42
Valuation
23.16 trailing · 20.61 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.56
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades above our $156.74 fair value estimate, strong competitive moat, 4.70% revenue growth.
Fair value range in USD, drawn from the 2026-09-10 screen. The gold marker is the market price at the same screen. The price runs 2.9% above the base estimate.
Third-party analyst targets: 15 covering, consensus Buy. The average target sits +21% from the screen price.
Reading the gap · Our more conservative model reads it as roughly fairly valued here, while the Street is more bullish: a quality-at-a-fair-price name rather than a deep-value one.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-10 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Jack Henry powers bank systems yet fails ethically
Jack Henry keeps the back-office systems running for thousands of smaller banks every day. The numbers show a strong moat, 25% returns on equity, 21% profit margins and 9% revenue growth, yet we pass because the ethical screen flags the business outright.
Forward earnings sit at 21.4 times while the shares trade 6% above our fair value of 142.03. Fourteen analysts still lean buy with a median target near 184, but none of that overrides the screen result.
Any regulatory tightening on payment flows or loss of a few large clients could hit growth fast. Analysis, not advice.
The risks · The things to watch: it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
JKHY trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-09-03Markup$170.51+10.5%Entry 5
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 10.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bearish. Over the past year the shares are down 28%. Our forward projection puts the odds of a 10% gain over the next month near 9%. The street (14 analysts) rates it buy, with a mean price target of $189.
2026-08-03Markup · changed$154.24+18.5%Entry 4
The framework has shifted from distribution to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 18.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bearish. Over the past year the shares are down 28%. Our forward projection puts the odds of a 10% gain over the next month near 9%. The street (14 analysts) rates it buy, with a mean price target of $189.
2026-07-18Distribution$130.11+0.0%Entry 3
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bearish. Over the past year the shares are down 28%. Our forward projection puts the odds of a 10% gain over the next month near 9%. The street (14 analysts) rates it buy, with a mean price target of $189.
2026-07-03Distribution$130.11+0.0%Entry 2
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns.
2026-07-02Distribution$130.11Entry 1
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows negative risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
