JKHY Jack Henry & Associates, Inc.
Technology
Price
$155.25
Intrinsic value
$90.89
Buy price
$72.71
Discount
-70.8%
DCF walkthrough
Near-term growth (g1)6.93%
Terminal growth (g2)3.50%
Years of g1 growth4
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $786,398,000.00
- Total debt
- $136,587,008.00
- Cash & STI
- $20,573,000.00
- Shares out.
- 71,978,000
Overvalued
Intrinsic value$90.90
Buy price (with MOS)$72.72
Current price$155.25
Discount to intrinsic value-70.8%
7-step quality scorecard
ROE quality
HIGH_CONSISTENT- Average ROE
- 22.8%
- Current ROE
- 21.4%
- Minimum ROE
- 20.7%
Debt quality
CONSERVATIVE- Debt / Equity
- 0.06x
Moat proxy
STRONG_PROXYCash-flow reliability
OK- Operating CF / Net income
- 1.51x
Technical chart
Confluence: DOWNTREND (1/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- min(revenueCAGR,cfCAGR)
- Valuation model
- DCF_OCF
- Debt as % of DCF PV
- 2.1%
- Public economic interest
- 100.0%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.