What Is JKHY Fair Value?
Jack Henry & Associates (JKHY) fair value estimate using multiple valuation models, updated daily.
As of October 14, 2026, Jack Henry & Associates (JKHY) has a composite fair value estimate of $117.66 based on four valuation models: DCF (41% weight), Graham Number (29% weight), PEG (29% weight), and DDM (0% weight). The current market price is $155.26, suggesting the stock is overvalued by 24.2%.
Data as of October 14, 2026 (today)
Composite Fair Value
Overvalued3 of 4 models$117.66
vs. current price of $155.26(-24.2%)
How Is JKHY Fair Value Calculated?
Four independent models estimate what JKHY is worth. Each uses different inputs and assumptions. The composite blends them by weight.
JKHY Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
41% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$156.93
+1.1%Fair Value
Inputs used
DDM (Dividend Discount Model)
0% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
N/A
This stock does not pay a dividend, so the DDM cannot be applied. The composite adjusts by redistributing this weight to the other models.
JKHY Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
29% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$69.10
-55.5%Overvalued
Inputs used
PEG (Price/Earnings to Growth)
29% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$72.48
-53.3%Overvalued
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $155.26 is 1.1% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $412.0M | $383.0M |
| Year 2 | $450.1M | $388.9M |
| Year 3 | $491.7M | $395.0M |
| Year 4 | $537.2M | $401.2M |
| Year 5 | $586.9M | $407.5M |
| Year 6 | $641.2M | $413.8M |
| Year 7 | $700.5M | $420.3M |
| Year 8 | $765.3M | $426.8M |
| Year 9 | $836.0M | $433.5M |
| Year 10 | $913.4M | $440.3M |
| Terminal Value | $18.46B | $8.90B |
What Are JKHY's Key Financial Metrics?
Earnings & Growth
Current Price
$155.26
EPS (TTM)
$6.98
Forward P/E
19.6
Profit Margin
19.8%
Cash & Balance Sheet
Free Cash Flow
352.2M
EBITDA
702.2M
Book Value
$29.28
Total Debt
77.8M
What Do Analysts Say About JKHY?
Low
$158.00
Average
$189.67
High
$209.00
Upside
+22.2%
JKHY Fair Value FAQ
What is the fair value of JKHY?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), JKHY's estimated fair value is $117.66. The stock is currently trading at $155.26, which makes it overvalued by our analysis.
How is JKHY's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is JKHY overvalued or undervalued?
Based on our analysis, JKHY is overvalued. The current price of $155.26 is 24.2% above our estimated fair value of $117.66.
What do Wall Street analysts say about JKHY?
18 analysts cover Jack Henry & Associates with a consensus rating of "Buy." The average price target is $189.67, ranging from $158.00 to $209.00. This implies 22.2% upside from the current price.