What Is JKHY Fair Value?
Jack Henry & Associates (JKHY) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Jack Henry & Associates (JKHY) has a composite fair value estimate of $107.92 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $148.47, suggesting the stock is overvalued by 27.3%.
Data as of July 16, 2026 (today)
Composite Fair Value
Overvalued4 of 4 models$107.92
vs. current price of $148.47(-27.3%)
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)
35% 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 →
$151.81
+2.2%Fair Value
Inputs used
DDM (Dividend Discount Model)
15% 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 →
$82.37
-44.5%Overvalued
Inputs used
JKHY Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% 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 →
$66.55
-55.2%Overvalued
Inputs used
PEG (Price/Earnings to Growth)
25% 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.
$65.66
-55.8%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 $148.47 is 2.2% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $407.9M | $379.1M |
| Year 2 | $445.6M | $384.9M |
| Year 3 | $486.7M | $390.8M |
| Year 4 | $531.7M | $396.7M |
| Year 5 | $580.8M | $402.8M |
| Year 6 | $634.4M | $408.9M |
| Year 7 | $693.0M | $415.2M |
| Year 8 | $757.0M | $421.5M |
| Year 9 | $826.9M | $427.9M |
| Year 10 | $903.2M | $434.5M |
| Terminal Value | $18.18B | $8.74B |
What Are JKHY's Key Financial Metrics?
Earnings & Growth
Current Price
$148.47
EPS (TTM)
$7.32
Forward P/E
20.9
Profit Margin
20.6%
Cash & Balance Sheet
Free Cash Flow
373.4M
EBITDA
715.4M
Book Value
$29.98
Total Debt
136.6M
What Do Analysts Say About JKHY?
Low
$158.00
Average
$184.29
High
$208.00
Upside
+24.1%
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 $107.92. The stock is currently trading at $148.47, 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 $148.47 is 27.3% above our estimated fair value of $107.92.
What do Wall Street analysts say about JKHY?
14 analysts cover Jack Henry & Associates with a consensus rating of "Buy." The average price target is $184.29, ranging from $158.00 to $208.00. This implies 24.1% upside from the current price.