Jack Henry & Associates Stock (NASDAQ: JKHY)

Jack Henry & Associates (NASDAQ:JKHY) Stock

Jack Henry & Associates

Jack Henry is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing for us banks and credit unions, with a focus on small and midsize banks. Jack Henry serves almost 1,000 banks and over 700 credit unions.

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U.S. stocks advanced midday Tuesday, demonstrating resilience despite escalating geopolitical tensions and trade uncertainties between the world’s two largest economies.

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Jack Henry & Associates, Inc. - Common Stock

Jack Henry & Associates Inc

Guidance

Jack Henry & Associates Continues To Expect FY25 Revenue Of $2.369B - $2.391B (Est $2.371B), EPS Of $5.78 - $5.87 (Est $5.85)

Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) reported quarterly earnings of $1.34 per share which met the analyst consensus estimate. This is a 6.35 percent increase over earnings of $1.26 per share from the same period last year. The company reported quarterly sales of $573.85 million which missed the analyst consensus estimate of $577.79 million by 0.68 percent. This is a 5.16 percent increase over sales of $545.70 million the same period last year.

Earnings Misses

Jack Henry & Associates Q2 2025 GAAP EPS $1.34, Inline, Sales $573.85M Miss $577.79M Estimate

U.S. stocks advanced midday Tuesday, demonstrating resilience despite escalating geopolitical tensions and trade uncertainties between the <a href="https://www.benzinga.com/news/econ-s">world&#8217;s two largest economies.</a>
China responded to President Donald Trump&#8216;s 10% import tariff with targeted countermeasures, including restrictions on key mineral exports to the U.S. and tariffs on American energy products.
Beijing is raising tariffs by 10%-15% on select U.S. imports, including coal, liquefied natural gas, crude oil, agricultural machinery and vehicles. Additionally, China added PVH Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PVH#NYSE">PVH</a>) and Illumina Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ILMN#NASDAQ">ILMN</a>) to its &#8220;Unreliable Entity List,&#8221; citing the need to &#8220;safeguard national sovereignty, security, and development interests,&#8221; and opened an antitrust investigation on Alphabet Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOGL#NASDAQ">GOOGL</a>)(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOG#NASDAQ">GOOG</a>).
Market participants had anticipated a call between Trump and Chinese President Xi Jinping on Tuesday, but media reports indicated the conversation would not happen today.
The trade developments had an immediate impact on oil markets, with West Texas Intermediate crude futures plunging 3% overnight to as low as $70 per barrel. 
Yet, prices rebounded sharply Tuesday morning following reports that Trump is considering issuing a memorandum aimed at inflicting <a href="https://www.benzinga.com/economics/macro-economic-events/25/02/43469234/trump-prepares-maximum-pressure-on-iran-oil-jumps-above-73-energy-stocks-rally">maximum economic damage on Iran</a>, potentially leading to a sharp decline in Iranian oil production.
Energy stocks outperformed on the day, while utilities lagged. 
Among individual stocks, Palantir Technologies Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PLTR#NASDAQ">PLTR</a>) rocketed 22% after posting strong earnings and a revenue beat. 
In the commodities market, gold added more than 1%, extending its all-time high, and silver jumped 2.2%. Meanwhile, Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) declined 2% to $99,000.
<h1 class="wp-block-heading">Tuesday&#8217;s Performance In Major U.S. Indices, ETFs</h1>
<figure class="wp-block-table is-style-stripes"> 
<table>
<tbody>
<tr>
<td>Major Indices</td>
<td>Price</td>
<td>1-day % chg</td>
</tr>
<tr>
<td>Russell 2000</td>
<td>2,281.54</td>
<td>1.0%</td>
</tr>
<tr>
<td>Nasdaq 100</td>
<td>21,495.31</td>
<td>0.9%</td>
</tr>
<tr>
<td>S&amp;P 500</td>
<td>6,029.97</td>
<td>0.6%</td>
</tr>
<tr>
<td>Dow Jones</td>
<td>44,501.00</td>
<td>0.2%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Updated at 12:55 p.m. ET</figcaption></figure>
According to&nbsp;<a href="https://bzresearch.myclickfunnels.com/benzinga-pro-content-webinar-registration/?utm_source=BZprocontent020325&amp;t=be2bearmibe3na1" target="_blank" rel="noreferrer noopener">Benzinga Pro</a>&nbsp;data:
<ul>
<li>The&nbsp;SPDR S&amp;P 500 ETF Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>)&nbsp;rose 0.5% to $600.53.</li>
<li>The&nbsp;SPDR Dow Jones Industrial Average&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIA#NYSE">DIA</a>) inched 0.1% higher to $444.77.</li>
<li>The tech-heavy&nbsp;Invesco QQQ Trust Series&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>)&nbsp;rose 0.9% to $522.81.</li>
<li>The&nbsp;iShares Russell 2000 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IWM#NYSE">IWM</a>) rallied 1.1% to $226.80.</li>
<li>The&nbsp;Energy Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLE#NYSE">XLE</a>) outperformed, up 1.9%; the&nbsp;Utilities Select Sector SPDR Fund&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLU#NYSE">XLU</a>) lagged, down 0.8%.</li>
</ul>
<h1 class="wp-block-heading">Tuesday&#8217;s Stock Movers</h1>
Stocks reacting to earnings report included: 
<ul>
<li>Pfizer Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PFE#NYSE">PFE</a>): down 1.53%</li>
<li>PepsiCo Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEP#NASDAQ">PEP</a>): down 4.43%</li>
<li>Merck &amp; Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MRK#NYSE">MRK</a>): down 10.49%</li>
<li>PayPal Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>): down 11.57%</li>
<li>Archer-Daniels-Midland Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ADM#NYSE">ADM</a>): down 3.58%</li>
<li>KKR &amp; Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/KKR#NYSE">KKR</a>): down 7.90%</li>
<li>Cummins Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMI#NYSE">CMI</a>): up 3.81%</li>
<li>Enterprise Products Partners L.P. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EPD#NYSE">EPD</a>): down 0.99%</li>
<li>Marathon Petroleum Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MPC#NYSE">MPC</a>): up 5.85%</li>
<li>Estee Lauder Companies Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EL#NYSE">EL</a>): down 16.35%</li>
<li>Apollo Global Management Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/APO#NYSE">APO</a>): down 2.78%</li>
<li>Fox Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FOXA#NASDAQ">FOXA</a>): up 4.00%</li>
<li>Ametek Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AME#NYSE">AME</a>): down 1.00%</li>
<li>Xylem Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XYL#NYSE">XYL</a>): up 5.85%</li>
<li>Ferrari NV (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RACE#NYSE">RACE</a>): up 7.62%</li>
<li>Spotify Technology SA (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPOT#NYSE">SPOT</a>): up 10.46%</li>
<li>Regeneron Pharmaceuticals Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/REGN#NASDAQ">REGN</a>): up 4.71%</li>
<li>Jacobs Solutions Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/J#NYSE">J</a>): down 2.72%</li>
<li>Aramark (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ARMK#NYSE">ARMK</a>): down 1.51%</li>
<li>Gartner Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IT#NYSE">IT</a>): up 0.77%</li>
<li>Centene Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CNC#NYSE">CNC</a>): down 3.41%</li>
<li>Atkore Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ATKR#NYSE">ATKR</a>): down 20.50%</li>
<li>Berry Global Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BERY#NYSE">BERY</a>): up 4.15%</li>
<li>WEC Energy Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WEC#NYSE">WEC</a>): down 1.52%</li>
<li>Hubbell Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HUBB#NYSE">HUBB</a>): down 0.55%</li>
<li>TransDigm Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TDG#NYSE">TDG</a>): down 1.60%</li>
<li>Graphic Packaging Holding Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GPK#NYSE">GPK</a>): down 1.76%</li>
<li>CNH Industrial NV (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CNHI#NYSE">CNHI</a>): up 1.71%</li>
<li>Ingredion Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/INGR#NYSE">INGR</a>): down 6.12%</li>
<li>ATI Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ATI#NYSE">ATI</a>): up 7.02%</li>
<li>Ball Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BALL#NYSE">BALL</a>): down 8.03%</li>
<li>Lancaster Colony Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LANC#NASDAQ">LANC</a>): up 9.27%</li>
<li>Premier Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PINC#NASDAQ">PINC</a>): down 15.36%</li>
<li>MPLX LP (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MPLX#NYSE">MPLX</a>): up 2.92%</li>
<li>Oaktree Specialty Lending Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/OCSL#NASDAQ">OCSL</a>): down 3.42%</li>
<li>PJT Partners Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PJT#NYSE">PJT</a>): up 12.77%</li>
<li>Energizer Holdings Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENR#NYSE">ENR</a>): down 4.45%</li>
<li>Silicon Laboratories Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLAB#NASDAQ">SLAB</a>): down 1.05%</li>
<li>Hamilton Lane Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HLNE#NASDAQ">HLNE</a>): down 0.01%</li>
<li>Madison Square Garden Sports Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MSGS#NYSE">MSGS</a>): down 3.74%</li>
<li>Pentair Plc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PNR#NYSE">PNR</a>): down 1.89%</li>
<li>Amcor Plc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMCR#NYSE">AMCR</a>): up 3.87%</li>
<li>Inmode Ltd. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/INMD#NASDAQ">INMD</a>): up 2.82%</li>
<li>Willis Towers Watson Plc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WTW#NASDAQ">WTW</a>): down 3.54%</li>
<li>Axalta Coating Systems Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AXTA#NYSE">AXTA</a>): up 7.86%</li>
<li>Mesa Laboratories Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MLAB#NASDAQ">MLAB</a>): up 10.48%</li>
</ul>
Major companies reporting their earnings after the close are Alphabet Inc., Amgen Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMGN#NASDAQ">AMGN</a>), Advanced Micro Devices Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMD#NASDAQ">AMD</a>), Mondelez International Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MDLZ#NASDAQ">MDLZ</a>), Chipotle Mexican Grill Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CMG#NYSE">CMG</a>), Electronic Arts Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EA#NASDAQ">EA</a>), Prudential Financial Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PRU#NYSE">PRU</a>), Simon Property Group Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPG#NYSE">SPG</a>), Atmos Energy Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ATO#NYSE">ATO</a>), Aspen Technology Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AZPN#NASDAQ">AZPN</a>), Carlisle Cos. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CSL#NYSE">CSL</a>), Fair Isaac Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FICO#NYSE">FICO</a>), Jack Henry &amp; Associates Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>), Idex Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IEX#NYSE">IEX</a>) and Enphase Energy Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ENPH#NASDAQ">ENPH</a>).
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Photo: Marek Masik via Shutterstock

US Stocks Rise Despite China's Trade Fears, Palantir Defies Gravity, Gold Rallies Further: What's Driving Markets Tuesday?

ALGT

APAM

ATEN

AUDC

AVNW

AZEK

COLM

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CVRX

EGHT

ENVA

FLNG

GBDC

ICHR

IESC

INNV

INTA

JNPR

KLIC

KTCC

LARK

LUMN

MRCY

MTCH

MUFG

OSCR

Earnings Scheduled For February 4, 2025

In the preceding three months, 6 analysts have released ratings for Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>), presenting a wide array of perspectives from bullish to bearish.
The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">5</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
The 12-month price targets, analyzed by analysts, offer insights with an average target of $183.83, a high estimate of $203.00, and a low estimate of $155.00. This current average reflects an increase of 2.47% from the previous average price target of $179.40. 
<img src="https://www.benzinga.com/files/images/story/2025/1736877639_0.png" alt="price target chart" />
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
A comprehensive examination of how financial experts perceive Jack Henry &amp; Associates is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Andrew Bauch</td>
<td>Wells Fargo</td>
<td>Announces</td>
<td>Underweight</td>
<td>$155.00</td>
<td>-</td>
</tr>
<tr>
<td>Daniel Perlin</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Sector Perform</td>
<td>$203.00</td>
<td>$181.00</td>
</tr>
<tr>
<td>Nik Cremo</td>
<td>UBS</td>
<td>Raises</td>
<td>Neutral</td>
<td>$190.00</td>
<td>$180.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$190.00</td>
<td>$180.00</td>
</tr>
<tr>
<td>Charles Nabhan</td>
<td>Stephens &amp; Co.</td>
<td>Maintains</td>
<td>Equal-Weight</td>
<td>$170.00</td>
<td>$170.00</td>
</tr>
<tr>
<td>David Koning</td>
<td>Baird</td>
<td>Raises</td>
<td>Neutral</td>
<td>$195.00</td>
<td>$186.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Jack Henry &amp; Associates. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Jack Henry &amp; Associates compared to the broader market.</li>
<li>Price Targets: Analysts predict movements in price targets, offering estimates for Jack Henry &amp; Associates's future value. Examining the current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Navigating through these analyst evaluations alongside other financial indicators can contribute to a holistic understanding of Jack Henry &amp; Associates's market standing. Stay informed and make data-driven decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/JKHY/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Jack Henry &amp; Associates analyst ratings.</a>
<h2>Discovering Jack Henry &amp; Associates: A Closer Look</h2>
Jack Henry is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing for us banks and credit unions, with a focus on small and midsize banks. Jack Henry serves almost 1,000 banks and over 700 credit unions.
<h3>Jack Henry &amp; Associates's Economic Impact: An Analysis</h3>
Market Capitalization Analysis: Falling below industry benchmarks, the company's market capitalization reflects a reduced size compared to peers. This positioning may be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: Over the 3 months period, Jack Henry &amp; Associates showcased positive performance, achieving a revenue growth rate of 5.18% as of 30 September, 2024. This reflects a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Jack Henry &amp; Associates's net margin is impressive, surpassing industry averages. With a net margin of 19.83%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): Jack Henry &amp; Associates's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of 6.33%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Jack Henry &amp; Associates's ROA stands out, surpassing industry averages. With an impressive ROA of 4.07%, the company demonstrates effective utilization of assets and strong financial performance.
Debt Management: With a below-average debt-to-equity ratio of 0.07, Jack Henry &amp; Associates adopts a prudent financial strategy, indicating a balanced approach to debt management.
<h2>The Basics of Analyst Ratings</h2>
Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.
Some analysts publish their predictions for metrics such as growth estimates, earnings, and revenue to provide additional guidance with their ratings. When using analyst ratings, it is important to keep in mind that stock and sector analysts are also human and are only offering their opinions to investors.
If you want to keep track of which analysts are outperforming others, you can view updated analyst ratings along withanalyst success scores in <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a>.
Which Stocks Are Analysts Recommending Now?
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Breaking Down Jack Henry & Associates: 6 Analysts Share Their Views

Wells Fargo analyst Andrew Bauch initiates coverage on Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) with a Underweight rating and announces Price Target of $155.

Initiation

Wells Fargo Initiates Coverage On Jack Henry & Associates with Underweight Rating, Announces Price Target of $155

RBC Capital analyst Daniel Perlin maintains Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) with a Sector Perform and raises the price target from $181 to $203.

RBC Capital Maintains Sector Perform on Jack Henry & Associates, Raises Price Target to $203

UBS analyst Nik Cremo maintains Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) with a Neutral and raises the price target from $180 to $190.

UBS Maintains Neutral on Jack Henry & Associates, Raises Price Target to $190

Keefe, Bruyette &amp; Woods analyst Sanjay Sakhrani maintains Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) with a Market Perform and raises the price target from $180 to $190.

Keefe, Bruyette & Woods Maintains Market Perform on Jack Henry & Associates, Raises Price Target to $190

Providing a diverse range of perspectives from bullish to bearish, 6 analysts have published ratings on Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) in the last three months.
The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">5</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
In the assessment of 12-month price targets, analysts unveil insights for Jack Henry &amp; Associates, presenting an average target of $186.33, a high estimate of $206.00, and a low estimate of $170.00. This current average has increased by 3.98% from the previous average price target of $179.20. 
<img src="https://www.benzinga.com/files/images/story/2024/1730926830_0.png" alt="price target chart" />
<h2>Deciphering Analyst Ratings: An In-Depth Analysis</h2>
The standing of Jack Henry &amp; Associates among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Charles Nabhan</td>
<td>Stephens &amp; Co.</td>
<td>Maintains</td>
<td>Equal-Weight</td>
<td>$170.00</td>
<td>$170.00</td>
</tr>
<tr>
<td>David Koning</td>
<td>Baird</td>
<td>Raises</td>
<td>Neutral</td>
<td>$195.00</td>
<td>$186.00</td>
</tr>
<tr>
<td>Rayna Kumar</td>
<td>Oppenheimer</td>
<td>Raises</td>
<td>Outperform</td>
<td>$206.00</td>
<td>$181.00</td>
</tr>
<tr>
<td>Daniel Perlin</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Sector Perform</td>
<td>$181.00</td>
<td>$181.00</td>
</tr>
<tr>
<td>Michael Del Grosso</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$186.00</td>
<td>-</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$180.00</td>
<td>$178.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Jack Henry &amp; Associates. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Offering insights into predictions, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Jack Henry &amp; Associates compared to the broader market.</li>
<li>Price Targets: Analysts provide insights into price targets, offering estimates for the future value of Jack Henry &amp; Associates's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Jack Henry &amp; Associates's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/JKHY/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Jack Henry &amp; Associates analyst ratings.</a>
<h2>Unveiling the Story Behind Jack Henry &amp; Associates</h2>
Jack Henry is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing for us banks and credit unions, with a focus on small and midsize banks. Jack Henry serves almost 1,000 banks and over 700 credit unions.
<h3>Jack Henry &amp; Associates's Economic Impact: An Analysis</h3>
Market Capitalization Perspectives: The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.
Revenue Growth: Jack Henry &amp; Associates's revenue growth over a period of 3 months has been noteworthy. As of 30 June, 2024, the company achieved a revenue growth rate of approximately 4.73%. This indicates a substantial increase in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Jack Henry &amp; Associates's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 18.05%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): The company's ROE is below industry benchmarks, signaling potential difficulties in efficiently using equity capital. With an ROE of 5.58%, the company may need to address challenges in generating satisfactory returns for shareholders.
Return on Assets (ROA): Jack Henry &amp; Associates's ROA stands out, surpassing industry averages. With an impressive ROA of 3.55%, the company demonstrates effective utilization of assets and strong financial performance.
Debt Management: Jack Henry &amp; Associates's debt-to-equity ratio is below industry norms, indicating a sound financial structure with a ratio of 0.08.
<h2>What Are Analyst Ratings?</h2>
Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
Which Stocks Are Analysts Recommending Now?
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Unveiling 6 Analyst Insights On Jack Henry & Associates

Stephens &amp; Co. analyst Charles Nabhan reiterates Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) with a Equal-Weight and maintains $170 price target.

Reiteration

Stephens & Co. Reiterates Equal-Weight on Jack Henry & Associates, Maintains $170 Price Target

Full year fiscal 2025 guidance:2
<figure class="table"> 
<table>
<tbody>
<tr>
<td colspan="1" rowspan="1"> &nbsp;</td>
<td colspan="2" rowspan="1">Current</td>
</tr>
<tr>
<td colspan="1" rowspan="1">GAAP</td>
<td colspan="1" rowspan="1">Low</td>
<td colspan="1" rowspan="1">High</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Revenue</td>
<td colspan="1" rowspan="1">$2,369</td>
<td colspan="1" rowspan="1">$2,391</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Operating margin3</td>
<td colspan="1" rowspan="1">23.0&nbsp;%</td>
<td colspan="1" rowspan="1">23.2&nbsp;%</td>
</tr>
<tr>
<td colspan="1" rowspan="1">EPS</td>
<td colspan="1" rowspan="1">$5.78</td>
<td colspan="1" rowspan="1">$5.87</td>
</tr>
<tr>
<td colspan="1" rowspan="1"> &nbsp;</td>
<td colspan="1" rowspan="1"> &nbsp;</td>
<td colspan="1" rowspan="1"> &nbsp;</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Non-GAAP4</td>
<td colspan="1" rowspan="1"> &nbsp;</td>
<td colspan="1" rowspan="1"> &nbsp;</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Adjusted revenue</td>
<td colspan="1" rowspan="1">$2,353</td>
<td colspan="1" rowspan="1">$2,375</td>
</tr>
<tr>
<td colspan="1" rowspan="1">Adjusted operating margin</td>
<td colspan="1" rowspan="1">22.7&nbsp;%</td>
<td colspan="1" rowspan="1">22.8&nbsp;%</td>
</tr>
</tbody>
</table>
</figure>
<a href="https://mma.prnewswire.com/media/2549531/JKHY_Key_Call_Outs___Q1_FY25.html"><img src="https://mma.prnewswire.com/media/2549531/JKHY_Key_Call_Outs___Q1_FY25.jpg" alt="Key Call-Outs" /></a>

Jack Henry & Associates Sees FY25 EPS $5.78-$5.87 Vs $5.83 Est.; Revenue $2.353B-$2.375B Vs $2.37B Est.

Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) reported quarterly earnings of $1.63 per share which beat the analyst consensus estimate of $1.61 by 1.24 percent. This is a 17.27 percent increase over earnings of $1.39 per share from the same period last year. The company reported quarterly sales of $600.98 million which beat the analyst consensus estimate of $600.11 million by 0.15 percent. This is a 5.18 percent increase over sales of $571.37 million the same period last year.

Jack Henry & Associates Q1 EPS $1.63 Beats $1.61 Estimate, Sales $600.98M Beat $600.11M Estimate

Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) is gearing up to announce its quarterly earnings on Tuesday, 2024-11-05. Here's a quick overview of what investors should know before the release.
Analysts are estimating that Jack Henry &amp; Associates will report an earnings per share (EPS) of $1.61.
The announcement from Jack Henry &amp; Associates is eagerly anticipated, with investors seeking news of surpassing estimates and favorable guidance for the next quarter.
It's worth noting for new investors that guidance can be a key determinant of stock price movements.
<h3>Earnings History Snapshot</h3>
During the last quarter, the company reported an EPS beat by $0.06, leading to a 0.06% drop in the share price on the subsequent day.
Here's a look at Jack Henry &amp; Associates's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q4 2024</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>1.32</td>
<td>1.17</td>
<td>1.14</td>
<td>1.32</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>1.38</td>
<td>1.19</td>
<td>1.22</td>
<td>1.39</td>
</tr>
<tr>
<td>Price Change %</td>
<td>-0.0%</td>
<td>-0.0%</td>
<td>3.0%</td>
<td>5.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2024/1730746924_0.png" alt="eps graph" />
<h3>Stock Performance</h3>
Shares of Jack Henry &amp; Associates were trading at $183.06 as of November 01. Over the last 52-week period, shares are up 28.3%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. 
<h3>Analysts' Perspectives on Jack Henry &amp; Associates</h3>
Understanding market sentiments and expectations within the industry is crucial for investors. This analysis delves into the latest insights on Jack Henry &amp; Associates.
The consensus rating for Jack Henry &amp; Associates is Neutral, based on 5 analyst ratings. With an average one-year price target of $189.6, there's a potential 3.57% upside.
<h3>Comparing Ratings Among Industry Peers</h3>
The below comparison of the analyst ratings and average 1-year price targets of Affirm Holdings, Toast and WEX, three prominent players in the industry, gives insights for their relative performance expectations and market positioning.
<ul>
<li>The consensus outlook from analysts is an Outperform trajectory for Affirm Holdings, with an average 1-year price target of $48.64, indicating a potential 73.43% downside.</li>
<li>For Toast, analysts project an Neutral trajectory, with an average 1-year price target of $29.57, indicating a potential 83.85% downside.</li>
<li>The consensus outlook from analysts is an Neutral trajectory for WEX, with an average 1-year price target of $212.5, indicating a potential 16.08% upside.</li>
</ul>
<h3>Key Findings: Peer Analysis Summary</h3>
The peer analysis summary offers a detailed examination of key metrics for Affirm Holdings, Toast and WEX, providing valuable insights into their respective standings within the industry and their market positions and comparative performance.

<table>
<thead>
<tr>
<th>Company</th>
<th>Consensus</th>
<th>Revenue Growth</th>
<th>Gross Profit</th>
<th>Return on Equity</th>
</tr>
</thead>
<tbody>
<tr>
<td>Jack Henry &amp; Associates</td>
<td>Neutral</td>
<td>4.73%</td>
<td>$232.64M</td>
<td>5.58%</td>
</tr>
<tr>
<td>Affirm Holdings</td>
<td>Outperform</td>
<td>47.86%</td>
<td>$445.79M</td>
<td>-1.69%</td>
</tr>
<tr>
<td>Toast</td>
<td>Neutral</td>
<td>26.99%</td>
<td>$286M</td>
<td>1.13%</td>
</tr>
<tr>
<td>WEX</td>
<td>Neutral</td>
<td>2.16%</td>
<td>$416.20M</td>
<td>5.95%</td>
</tr>
</tbody>
</table>

Key Takeaway:
Jack Henry &amp; Associates ranks in the middle for consensus rating. It is at the bottom for revenue growth. It is at the top for gross profit. It is at the bottom for return on equity.
<h3>About Jack Henry &amp; Associates</h3>
Jack Henry is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing for us banks and credit unions, with a focus on small and midsize banks. Jack Henry serves almost 1,000 banks and over 700 credit unions.
<h3>Financial Insights: Jack Henry &amp; Associates</h3>
Market Capitalization Analysis: Falling below industry benchmarks, the company's market capitalization reflects a reduced size compared to peers. This positioning may be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: Jack Henry &amp; Associates's revenue growth over a period of 3 months has been noteworthy. As of 30 June, 2024, the company achieved a revenue growth rate of approximately 4.73%. This indicates a substantial increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: Jack Henry &amp; Associates's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 18.05%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): Jack Henry &amp; Associates's ROE is below industry standards, pointing towards difficulties in efficiently utilizing equity capital. With an ROE of 5.58%, the company may encounter challenges in delivering satisfactory returns for shareholders.
Return on Assets (ROA): Jack Henry &amp; Associates's ROA stands out, surpassing industry averages. With an impressive ROA of 3.55%, the company demonstrates effective utilization of assets and strong financial performance.
Debt Management: Jack Henry &amp; Associates's debt-to-equity ratio is below the industry average at 0.08, reflecting a lower dependency on debt financing and a more conservative financial approach.
<a href="https://www.benzinga.com/quote/JKHY/earnings">To track all earnings releases for Jack Henry &amp; Associates visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

A Look Ahead: Jack Henry & Associates's Earnings Forecast

Jack Henry & Associates Reports Q1 Deconversion Revenue Of $3.7M; Says Deconversion Revenue Estimates Remain At $16M For FY25

Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) underwent analysis by 5 analysts in the last quarter, revealing a spectrum of viewpoints from bullish to bearish.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">4</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $189.6, a high estimate of $206.00, and a low estimate of $180.00. This current average reflects an increase of 4.46% from the previous average price target of $181.50. 
<img src="https://www.benzinga.com/files/images/story/2024/1729173640_0.png" alt="price target chart" />
<h2>Exploring Analyst Ratings: An In-Depth Overview</h2>
An in-depth analysis of recent analyst actions unveils how financial experts perceive Jack Henry &amp; Associates. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>David Koning</td>
<td>Baird</td>
<td>Raises</td>
<td>Neutral</td>
<td>$195.00</td>
<td>$186.00</td>
</tr>
<tr>
<td>Rayna Kumar</td>
<td>Oppenheimer</td>
<td>Raises</td>
<td>Outperform</td>
<td>$206.00</td>
<td>$181.00</td>
</tr>
<tr>
<td>Daniel Perlin</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Sector Perform</td>
<td>$181.00</td>
<td>$181.00</td>
</tr>
<tr>
<td>Michael Del Grosso</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$186.00</td>
<td>-</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$180.00</td>
<td>$178.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Jack Henry &amp; Associates. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts unravel qualitative evaluations for stocks, ranging from 'Outperform' to 'Underperform'. These ratings offer insights into expectations for the relative performance of Jack Henry &amp; Associates compared to the broader market.</li>
<li>Price Targets: Analysts navigate through adjustments in price targets, providing estimates for Jack Henry &amp; Associates's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Jack Henry &amp; Associates's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/JKHY/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Jack Henry &amp; Associates analyst ratings.</a>
<h2>Unveiling the Story Behind Jack Henry &amp; Associates</h2>
Jack Henry is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing for us banks and credit unions, with a focus on small and midsize banks. Jack Henry serves almost 1,000 banks and over 700 credit unions.
<h3>Jack Henry &amp; Associates: Delving into Financials</h3>
Market Capitalization: With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.
Revenue Growth: Jack Henry &amp; Associates displayed positive results in 3 months. As of 30 June, 2024, the company achieved a solid revenue growth rate of approximately 4.73%. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: The company's net margin is a standout performer, exceeding industry averages. With an impressive net margin of 18.05%, the company showcases strong profitability and effective cost control.
Return on Equity (ROE): Jack Henry &amp; Associates's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 5.58%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): Jack Henry &amp; Associates's financial strength is reflected in its exceptional ROA, which exceeds industry averages. With a remarkable ROA of 3.55%, the company showcases efficient use of assets and strong financial health.
Debt Management: With a below-average debt-to-equity ratio of 0.08, Jack Henry &amp; Associates adopts a prudent financial strategy, indicating a balanced approach to debt management.
<h2>The Basics of Analyst Ratings</h2>
Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Expert Outlook: Jack Henry & Associates Through The Eyes Of 5 Analysts

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page</a>.
<ul>
<li>Needham raised Clear Secure, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/YOU#NYSE">YOU</a>) price target from $40 to $45. Needham analyst Joshua Reilly maintained a Buy rating. Clear Secure shares gained 5.2% to close at $37.35 on Wednesday. See how other analysts view this stock.</li>
<li>HC Wainwright &amp; Co. boosted the price target for Phunware, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PHUN#NASDAQ">PHUN</a>) from $7 to $9. HC Wainwright &amp; Co. analyst Scott Buck maintained a Buy rating. Phunware shares climbed 17.6% to close at $6.34 on Wednesday. <a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Baird raised the price target for Jack Henry &amp; Associates, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) from $186 to $195. Baird analyst David Koning maintained a Neutral rating. Jack Henry &amp; Associates shares gained 0.5% to close at $185.67 on Wednesday. <a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>B of A Securities raised O-I Glass, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/OI#NYSE">OI</a>) price target from $14 to $16. B of A Securities analyst George Staphos upgraded the stock from Neutral to Buy. O-I Glass shares fell 0.3% to close at $12.73 on Wednesday. <a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Deutsche Bank boosted Synchrony Financial (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYF#NYSE">SYF</a>) price target from $58 to $68. Deutsche Bank analyst Mark Devries maintained a Buy rating. Synchrony Financial shares gained 6.1% to close at $56.52 on Wednesday. <a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Mizuho raised Meta Platforms, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>) price target from $600 to $650. Mizuho analyst James Lee maintained an Outperform rating. Meta shares fell 1.6% to close at $576.79 on Wednesday. <a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Benchmark raised the price target for DoorDash, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DASH#NASDAQ">DASH</a>) from $152 to $173. Benchmark analyst Mark Zgutowicz maintained a Buy rating. DoorDash shares gained 0.7% to settle at $149.86 on Wednesday. <a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Mizuho raised Lennox International Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LII#NYSE">LII</a>) price target from $575 to $650. Mizuho analyst Brett Linzey maintained an Outperform rating. Lennox International shares gained 0.9% to close at $600.54 on Wednesday. <a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Morgan Stanley increased the price target for Abbott Laboratories (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ABT#NYSE">ABT</a>) from $107 to $117. Morgan Stanley analyst David Lewis maintained an Equal-Weight rating. Abbott shares rose 1.5% to close at $117.82 on Wednesday. <a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Ladenburg Thalmann cut Spire Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SR#NYSE">SR</a>) price target from $65.5 to $60.5. Ladenburg Thalmann analyst Paul Fremont downgraded the stock from Neutral to Sell. Spire shares closed at $65.56 on Wednesday. <a href="https://www.benzinga.com/quote/MSFT/analyst-ratings">See how other analysts view this stock</a>.</li>
</ul>
Considering buying META stock? Here&#8217;s what analysts think: 
<figure class="wp-block-image size-large is-resized"><img loading="lazy" decoding="async" width="1024" height="524" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/10/17075912/image-146-1024x524.png" alt="" class="wp-image-600449" style="width:606px;height:auto" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/10/17075912/image-146-1024x524.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/10/17075912/image-146-300x153.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/10/17075912/image-146-768x393.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/10/17075912/image-146.png 1335w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
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Baird analyst David Koning maintains Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) with a Neutral and raises the price target from $186 to $195.

Baird Maintains Neutral on Jack Henry & Associates, Raises Price Target to $195

Digital banking is commonplace nowadays. Mobile banking is an essential offering for banks of all sizes to remain relevant against competitors. It&#39;s normal for customers to check their bank balances, deposit checks, make transfers, and even pay bills on their mobile banking apps. Q2 Holdings Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/qtwo#NYSE">QTWO</a>) is a leading provider of digital banking solutions for banks and financial institutions. They provide the software to enable banks to offer digital banking for their customers.
Q2 operates in the computer and technology sector, competing with banking software providers, including Fiserv Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/fi#NYSE">FI</a>), Jack Henry &amp; Associates Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/jkhy#NASDAQ">JKHY</a>), nCino Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/ncno#NASDAQ">NCNO</a>) and ACI Worldwide Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/aciw#NASDAQ">ACIW</a>).
<h2>Q2 Holdings Portfolio of Services </h2>
While bank customers may take digital banking services for granted, banks have to handle the behind-the-scenes infrastructure to accommodate customer&#39;s needs. Q2 provides the software infrastructure through its cloud-based platform, providing a comprehensive suite of services, which include:
<ul>
<li>Consumer Retail Banking: Q2 enables financial institutions to offer online and mobile banking, from opening accounts and digital onboarding to paying bills, transferring funds, making mobile check deposits, and offering financial management tools.</li>
<li>Small and Medium-Sized Business (SMB) Banking: Q2 also offers SMB banking services, which include online payment processing, loan origination, cash flow analysis, business intelligence, expense management, and payroll.</li>
<li>Commercial Banking: Q2 Digital Banking has commercial banking features enabling ACT to instant payment rails, fraud detections, analytics, market-specific banking packages, reports, treasury onboarding and services, and integration with accounting systems. Q2 Interactive Test Drive enables commercial banking customers and prospects to try out the banking capabilities in a mock-up simulation of their environment.</li>
</ul>
Q2 plans to incorporate its generative artificial intelligence (AI) digital assistant, Andi Copilot, into its banking product portfolio and risk and fraud management platform.
<h2>Q2 Innovation Studio Enables Banks to Customize Their Digital Banking Offerings</h2>
Its Innovation Studio is a suite of tools that enable financial institutions to customize their digital banking offerings to their customers. It helps them rapidly deploy new functionalities and features. It&#39;s powered by over 1,000 integrations with the optionality to choose vendors and pre-integrated with over 150 of the best-in-class fintech partners. It offers hundreds of plug-and-play fintech integrations, including chatbots, credit scoring, payments, accounting, human resources, and payroll accounting. Q2 services 60% of the Forbes list of America&#39;s Best Banks and 40% of their Best Credit Unions list. &nbsp;
<h2>Solid Results for the Second Quarter of 2024</h2>
Q2 Holdings reported a Q2 2024 EPS of 38 cents, beating consensus estimates by 6 cents. Revenues rose 12% YoY to $173 million, beating consensus estimates by $1.9 million. Non-GAAP gross margin improved to 55.7%, up from 54.2% in the year-ago period. Adjusted EBITDA was $30 million, up from $17.6 million in the year-ago period.
Subscription annualized recurring revenue (ARR) grew 19% YoY to $644.9 million. Remaining performance obligations (RPO) or backlog totaled a record $426 million, up $38 million from last year. The company signed four Tier 1 digital banking contracts, a new Tier 1 bank utilizing its relationship pricing and treasuring pricing solutions, and an expansion with an Enterprise bank.
Q2 Holdings CEO Matt Flake commented, &quot;We&#39;ve had broad sales success for several consecutive quarters, highlighted by a mix of net new and expansion wins across our lines of business. We believe our sustained performance not only demonstrates our competitive differentiation and a strong demand environment but also the resilience of our customers and prospects in the current economic climate.&quot;
<h2>QTWO Stock Sets Up a Second Potential Bull Flag Pattern </h2>
A bull flag forms on the breakout through the upper descending parallel trendline resistance after the flagpole peak.
<img alt="Q2 Holdings QTWO stock chart" class="aligncenter" src="https://www.marketbeat.com/logos/articles/med_20240929174015_chartc-qtwo.jpg" style="height:753px; width:915px" />
QTWO triggered a bull flag breakout on the breakout through the $72.38 consensus price target to form another flagpole peaking at $82.72. The flag formed on the parallel descending trendlines, indicating lower highs and lower lows. A breakout through the upper descending trendline can trigger the bull flag. The daily anchored VWAP is at $73.70. The daily relative strength index (RSI) rose to the 62-band. Fibonacci (Fib) pullback support levels are at $74.24, $67.09, $64.07, and $61.42.
Q2 Holdings&#39; average consensus analyst price target is $72.38, and its highest analyst price target sits at $91.00. It has nine analyst Buy ratings and one Hold rating.
Actionable Options Strategies: QTWO is trading 8% above its consensus price target. Bullish investors can buy on pullbacks using cash-secured puts and write covered calls after being assigned to execute a wheel strategy for income.
The article &quot;<a href="https://www.marketbeat.com/stock-ideas/why-q2-holdings-stock-could-be-your-next-big-buy/">Why Q2 Holdings Stock Could Be Your Next Big Buy</a>&quot; first appeared on MarketBeat.

4 analysts have expressed a variety of opinions on Jack Henry &amp; Associates (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JKHY#NASDAQ">JKHY</a>) over the past quarter, offering a diverse set of opinions from bullish to bearish.
Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $188.25, a high estimate of $206.00, and a low estimate of $180.00. This upward trend is apparent, with the current average reflecting a 4.58% increase from the previous average price target of $180.00.
<img src="https://www.benzinga.com/files/images/story/2024/1727794893_0.png" alt="price target chart" />
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
The standing of Jack Henry &amp; Associates among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Rayna Kumar</td>
<td>Oppenheimer</td>
<td>Raises</td>
<td>Outperform</td>
<td>$206.00</td>
<td>$181.00</td>
</tr>
<tr>
<td>Daniel Perlin</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Sector Perform</td>
<td>$181.00</td>
<td>$181.00</td>
</tr>
<tr>
<td>Michael Del Grosso</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Neutral</td>
<td>$186.00</td>
<td>-</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$180.00</td>
<td>$178.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Jack Henry &amp; Associates. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Jack Henry &amp; Associates compared to the broader market.</li>
<li>Price Targets: Analysts set price targets as an estimate of a stock's future value. Comparing the current and prior price targets provides insight into how analysts' expectations have changed over time. This information can be valuable for investors seeking to understand consensus views on the stock's potential future performance.</li>
</ul>
Capture valuable insights into Jack Henry &amp; Associates's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/JKHY/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Jack Henry &amp; Associates analyst ratings.</a>
<h2>Unveiling the Story Behind Jack Henry &amp; Associates</h2>
Jack Henry is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing for us banks and credit unions, with a focus on small and midsize banks. Jack Henry serves almost 1,000 banks and over 700 credit unions.
<h3>A Deep Dive into Jack Henry &amp; Associates's Financials</h3>
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: Jack Henry &amp; Associates displayed positive results in 3 months. As of 30 June, 2024, the company achieved a solid revenue growth rate of approximately 4.73%. This indicates a notable increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: Jack Henry &amp; Associates's net margin is impressive, surpassing industry averages. With a net margin of 18.05%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): Jack Henry &amp; Associates's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 5.58%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): Jack Henry &amp; Associates's ROA excels beyond industry benchmarks, reaching 3.55%. This signifies efficient management of assets and strong financial health.
Debt Management: The company maintains a balanced debt approach with a debt-to-equity ratio below industry norms, standing at 0.08.
<h2>Analyst Ratings: Simplified</h2>
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Demystifying Jack Henry & Associates: Insights From 4 Analyst Reviews

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Dividends

Jack Henry & Associates Increases Quarterly Dividend on Common Stock to $.58 Per Share

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