Jack Henry & Associates, Inc. (JKHY) Fair Value 2026

JKHY · Information Technology Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

9.0 /10

32 fundamental signals · 10 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-10-07, Jack Henry & Associates, Inc. (JKHY) trades at $144.43, versus a $141.19 median fair value across its 10 active models — 2.2% below the current price. QOC: 9.0/10. Value Trap Risk: 12/100 (SAFE). 10/13 models active. Within that set, the Bayesian DCF component alone returns $195.94.

Key Facts

Ticker
JKHY
Price
$144.43
Quality Score
9.0/10
Value Trap Risk
12/100
Models Active
10/13
Last Updated
Strength: Bayesian DCF suggests +35.7% upside with 76% confidence
Risk: Majority of models suggest overvaluation

Is Jack Henry & Associates, Inc. (JKHY) Undervalued or Overvalued in 2026?

According to CirclFi’s 10-model valuation engine, Jack Henry & Associates, Inc. (JKHY) appears fairly valued as of : the median of 10 independent fair value estimates is $141.19, within 2.2% of the current price of $144.43. Estimates range from $61.58 to $195.94. JKHY scores 9.0/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -20.1% versus its own 13-model consensus, across 3,777 rated companies as of 2026-10-07. JKHY’s -2.2% gap is narrower than that market norm, and the Information Technology Services sector median is +5.3%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Jack Henry & Associates, Inc. Stock in 2026? →

What Fair Value Does Each Model Give JKHY?

10 Intrinsic Value Models vs. Current Price ($144.43)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $195.94 +35.7%
Intrinsic · High Conviction
 $80.24 -44.4%
Ensemble · Medium Conviction
 $133.00 -7.9%
Intrinsic · High Conviction
 $61.58 -57.4%
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What Is JKHY's Fair Value Range?

Spread across 10 independent models · $61.58 to $195.94

CirclFi's 10 active models place Jack Henry & Associates, Inc. (JKHY) between $61.58 and $195.94 per share, a spread of 95% of the median. The median of that range — $141.19 — is the fair value CirclFi publishes for JKHY, against a current price of $144.43.

Low · EROICHigh · Bayesian DCF
$61.58median $141.19$195.94
Where the range comes from
Most bearish modelEROIC Spread$61.58
Most bullish modelBayesian DCF$195.94
Model agreement4 bullish · 5 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on JKHY, not a CirclFi price target. How each model works →

What Is Jack Henry & Associates, Inc. (JKHY) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Jack Henry & Associates, Inc.'s intrinsic value is estimated at $141.19, presenting a divided outlook at the current price of $144.43. With a median implied return of -2.2% across a split 4–5 (bull–bear) consensus, the model spread of +93.0% underscores analytical uncertainty. Notably, Bayesian DCF sees the most upside at +35.7% (fair value: $195.94), while EROIC is the most conservative at -57.4% ($61.58). The spread between these extremes — +93.0% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, Bayesian DCF, EPV, EROIC lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About JKHY?

10 of 13 models are currently active for JKHY. Of these, 5 models suggest upside while 5 models suggest overvaluation. Taken together, their median fair value for JKHY is $141.19 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $195.94 on its own, implying +35.7% upside from the current price. See which stocks rank higher →

How Does JKHY Rank in Information Technology Services?

Among 87 Information Technology Services stocks, JKHY ranks #4 by Quality of Company score. CirclFi's QOC score of 9.0/10 evaluates 32 fundamental signals. A score of 9.0 places JKHY in the top tier.

See all Most Undervalued Information Technology Services Stocks →

The Information Technology Services sector introduces analytical considerations specific to software business businesses. For Jack Henry & Associates, Inc., metrics like R&D intensity provide important context that general-purpose valuation models may underweight.

Is JKHY a Value Trap?

CirclFi's Value Trap algorithm assigns JKHY a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

10 of 13 models are active for Jack Henry & Associates, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Jack Henry & Associates, Inc. scores 9.0 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +93.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every JKHY valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across JKHY's 10 active models, average confidence is 58%. Moderate confidence indicates reasonable fit.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Jack Henry & Associates, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Information Technology Services Stocks Should You Also Analyze?

9 related Information Technology Services stocks with 13-model coverage

EXLSExlService Holdings, Inc.QOC 9.1IBEXIBEX LimitedQOC 9.0ITGartner, Inc.QOC 9.1GGenpact LimitedQOC 9.0INODInnodata Inc.QOC 9.3LDOSLeidos Holdings, Inc.QOC 8.9JFU9F Inc.QOC 8.0DTSTData Storage CorporationQOC 6.2TDTHTrident Digital Tech Holdings LtdQOC 4.9

Read investment analysis: EXLS · IBEX · IT · G · INOD · LDOS · JFU · DTST · TDTH

Which Other Stocks Have a Similar Quality Score to JKHY?

7 companies across all industries closest to JKHY’s Quality of Company score of 9.0/10.

EGEverest Group, Ltd.QOC 9.0SNDKSandisk CorporationQOC 9.0DOCNDigitalOcean Holdings, Inc.QOC 9.0TOLToll Brothers, Inc.QOC 9.0DTDynatrace, Inc.QOC 9.0CRMDCorMedix Inc.QOC 9.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: EG · SNDK · DOCN · TOL · DT · CRMD · NVDA

Where Does JKHY Sit in CirclFi's Information Technology Services Rankings?

JKHY is ranked against every other Information Technology Services stock CirclFi covers in each of these screens.

See all Information Technology Services stocks ranked →

What Else Do Investors Ask About Jack Henry & Associates, Inc.’s Valuation?

What is Jack Henry & Associates, Inc.'s intrinsic value in 2026?

CirclFi puts Jack Henry & Associates, Inc. (JKHY)'s intrinsic value at $141.19 — the median of 10 independent model estimates as of 2026-10-07, ranging from $61.58 to $195.94. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $195.94 on its own. The Quality of Company score is 9.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is JKHY overvalued or undervalued right now?

At $144.43, 5 of 10 active models suggest JKHY may be undervalued, while 5 indicate potential overvaluation. The median of all 10 fair value estimates is $141.19, within 2.2% of the current price of $144.43 — a consensus view that JKHY is fairly valued. The assessment depends on which methodology best fits Jack Henry & Associates, Inc.'s business model in Information Technology Services.

What does a Quality of Company score of 9.0 mean for JKHY?

Jack Henry & Associates, Inc.'s QOC of 9.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on JKHY?

CirclFi analyzes JKHY with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 10 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on JKHY?

Of the 10 models currently active on JKHY, Bayesian DCF is the most bullish at $195.94 per share, and EROIC Spread is the most bearish at $61.58. CirclFi's published fair value for JKHY is the median of that range, $141.19, not either extreme. The gap between the two ends equals 95% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is JKHY a value trap in 2026?

Jack Henry & Associates, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 10-model valuation engine, Jack Henry & Associates, Inc. (JKHY) has a median fair value of $141.19 — within 2.2% of the current price of $144.43 — as of 2026-10-07.” Source: circlfi.com/stock/JKHY/ · Methodology
Primary sources for this JKHY valuation
  • Financial statements: Jack Henry & Associates, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000779152) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for JKHY as of ; valuations recomputed .

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