Payrailz
Purchase-Price Allocation
Intangibles
$119.9M
JACK HENRY & ASSOCIATES, INC. — Key Metrics
2 years of history · ending 2025-06-30 · SEC EDGAR
Forensics
Three classic accounting-quality scores. F-Score (0-9, higher = better fundamentals); M-Score (>-1.78 flags possible manipulation); Z-Score (>2.99 = safe, <1.81 = distressed). Use together — single-score readings are noisy.
F-Score (Piotroski 0-9)
M-Score (Beneish; >-1.78 flags risk)
Z-Score (Altman; <1.81 = distress)
Per Share Metrics
Turnover & Efficiency Analysis (days)
Expense Ratios
Working Capital Analysis
Valuation Multiples
Cash-Flow Multiples
Enterprise Value Multiples
52-Week Range
Trailing Returns
ROIC vs WACC
Yields
Capital Deployment Yields
Liquidity & Leverage Ratios
Earnings Quality (OCF/NI · FCF/NI · Sloan Accruals)
EPS (Diluted)
$6
Book Value Per Share
$29
Free Cash Flow Per Share
$8
Cash Per Share
$1
Revenue Per Share
$33
OCF Per Share
$9
Return on Equity
22.9%
Return on Assets
15.3%
Return on Invested Capital
21.9%
Debt to Equity
0.00
Current Ratio
1.27
Quick Ratio
1.27
Asset Turnover
0.80
Days Sales Outstanding
48.86
Days Payables Outstanding
7.56
R&D / Revenue
6.9%
SBC / Revenue
1.2%
Capex / Revenue
2.2%
Working Capital
$146M
Net Current Asset Value
$-232M
Invested Capital
$2.13B
OCF / Net Income
1.41
FCF / Net Income
1.29
Accruals Ratio (Sloan)
-6.1%
Net Debt
$-102M
Net Debt / EBITDA
-0.17
Interest Coverage
—
Cash Coverage
—
Dividend Coverage
3.90
Capex Coverage
12.02
Tangible Common Equity
$1.33B
TCE / Total Assets
43.6%
Goodwill / Total Assets
26.4%
NOPAT
$442M
Cash ROIC
29.2%
WC / Revenue
6.1%
Capex / D&A
1.22
Reinvestment Rate
1.7%
Total Payout Ratio
43.8%
Asset Growth vs Revenue Growth
-3.1%
Revenue 5Y CAGR
7.0%
EPS 5Y CAGR
9.0%
FCF 5Y CAGR
5.2%
EBITDA 5Y CAGR
7.2%
Book Value 5Y CAGR
6.6%
Stock Price (FY-end)
$178
Market Cap
$13.02B
P/E Ratio
28.57
P/S Ratio
5.48
P/B Ratio
6.11
P/TB Ratio
9.82
P/OCF Ratio
20.30
P/FCF Ratio
22.14
Enterprise Value
$12.92B
EV / EBITDA
21.10
EV / Sales
5.44
EV / FCF
21.97
FCF Yield
4.5%
Dividend Yield
1.3%
Shareholder Yield
1.3%
Buyback Yield
0.3%
R&D Yield
1.2%
Capex Yield
0.4%
Dividend Per Share
$2
DPS YoY Growth
5.6%
Operating Leverage
2.25
Graham Number
$64
Shares Variation (YoY)
0.0%
Beta (5Y)
0.61
Cost of Equity
7.5%
Cost of Debt (after tax)
—
52W High
$189
52W Low
$157
Trailing Return 1Y
9.2%
Trailing Return 5Y
5.1%
F-Score (Piotroski)
8.00
M-Score (Beneish)
-2.49
Z-Score (Altman)
11.56
Earnings Forecasts
Per-quarter consensus estimates + actuals + beat/miss surprise. Sourced from Finnhub (Wall Street consensus aggregation).
Source caveat: Finnhub free tier returns the consensus mean only — analyst high / low / dispersion + analyst counts require a paid plan. A "$5.00 consensus" line above could mean "20 analysts at exactly $5" (high conviction) or "10 at $5.50, 10 at $4.50" (split). Treat single-line consensus accordingly.
EPS — Consensus vs Actual
Revenue — Consensus vs Actual
Beat / Miss vs Estimate
Stock Price on Earnings Dates
JACK HENRY & ASSOCIATES, INC. — Effective Tax Rate ReconciliationNEW
Bridges from the federal statutory rate (21% post-TCJA) to the effective tax rate via the issuer's tax-note reconciliation lines. Sourced from EffectiveIncomeTaxRateReconciliation* flat CompanyFacts concepts. Conditional lines (R&D credits, FDII, SBC, valuation allowance, etc.) only render when the issuer discloses them. Persistent divergence between accrual tax expense and cash taxes paid is a leading signal for deferred-tax buildup.
Effective Rate Trend
| Reconciliation Line | FY2010 | FY2011 | FY2012 | FY2013 | FY2014 | FY2015 |
|---|---|---|---|---|---|---|
| Federal Statutory Rate | 35.00% | 35.00% | 35.00% | 35.00% | 35.00% | 35.00% |
| State & Local Income Taxes | 2.50% | 2.60% | 2.20% | 2.20% | 2.80% | 1.40% |
| Foreign Rate Differential | — | — | — | — | — | — |
| Other Adjustments | 1.00% | 0.70% | -0.20% | 0.20% | 0.30% | 0.40% |
| R&D Tax Credits | -0.70% | -2.00% | 1.80% | 3.50% | 0.80% | 1.50% |
| Qualified Production Activities (Legacy DPAD) | -3.00% | -2.50% | 2.20% | 2.30% | 2.20% | 2.00% |
| Effective Tax Rate | 34.80% | 33.80% | 33.00% | 31.60% | 35.10% | 33.30% |
Cash vs Accrual
| Item | FY2010 | FY2011 | FY2012 | FY2013 | FY2014 | FY2015 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Accrual) | $62.9M | $70.0M | $75.0M | $77.5M | $100.9M | $105.2M |
| Income Taxes Paid (Cash) | — | — | — | — | — | — |
JACK HENRY & ASSOCIATES, INC. — M&A AcquisitionsNEW
Per-deal acquisition disclosures sourced from us-gaap:BusinessAcquisitionAxis dimensional XBRL. Each card surfaces the deal's purchase-price allocation (goodwill vs intangibles vs liabilities), contingent consideration (unpaid earn-outs), and pro-forma combined-entity numbers. Probability-of-Success (PoS) factor on biotech targets is the ASC 805 contingent-consideration valuation — higher = closer to commercialization, higher implied target value.