Jack Henry & Associates · Financials
JKHY
$151.67
Jack Henry and Associates, also known as Jack Henry is an American company founded in 1976 and devoted to financial technology and payment processing services, mostly for community banks and credit unions.JackHenryandAssociates（杰克·亨利联合公司，亦称JackHenry）是一家美国公司，成立于1976年，致力于金融技术和支付处理服务，主要服务于社区银行和信用合作社。
Financial金融股
Large cap大盘
$11B
Engine stance引擎立场2026-07-20
Neutral — no clear edge中性 — 无明显优势
Trend intact — hold. Late in the cycle, so don't add here; a pullback is due.趋势完好——持有。已处周期晚期，此处不宜加仓；回调即将到来。
Key Statistics关键统计
Price价格
$151.67
20.6% below 52-week high低于52周高点 20.6%
Market Cap市值
$11B
Normal volume正常成交量
P/E Ratio市盈率
24.0x
15.0x sector median
Beta贝塔
0.08
Moves about 0.1x the market波动幅度约为市场的 0.1 倍
RSI (14)RSI（14）
65
Elevated偏高
Volatility Rank波动率分位
83th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
5.7% of float
Performance价格表现
| Period周期 | JKHY | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +0.9% | -1.5% | Beat the index by 2.4 points跑赢指数 2.4 个百分点 |
| 1 Month近1月 | +22.1% | +0.6% | Beat the index by 21.5 points跑赢指数 21.5 个百分点 |
| 3 Months近3月 | -1.1% | +4.7% | Lagged the index by 5.8 points落后指数 5.8 个百分点 |
| 6 Months近6月 | -19.7% | +7.8% | Lagged the index by 27.5 points落后指数 27.5 个百分点 |
| Year to date年初至今 | -14.3% | +9.1% | Lagged the index by 23.4 points落后指数 23.4 个百分点 |
| 1 Year近1年 | -14.0% | +19.4% | Lagged the index by 33.4 points落后指数 33.4 个百分点 |
Technicals技术面
RSI (14)RSI（14）
65
Elevated偏高
vs 50-day相对50日均线
+10.2% vs 50-day avg
vs 200-day相对200日均线
-4.1% vs 200-day avg
Volatility rank波动率分位
83th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$145.10
Don't chase above不追高于
$151.70
Stop止损
$123.40
Hold — don't add here持有 — 此处不宜加仓
Earnings财务业绩
Estimates being raised — 1 analysts预期上调 — 1 位分析师
Post-earnings drift: -9.3% (20d)财报后漂移：-9.3%（20日）
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | JKHY | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 24.02x | 14.99 | 16% |
| P/B市净率 | 4.97x | 1.52 | 6% |
| P/S市销率 | 4.61x | 2.87 | 29% |
| Earnings yield盈利收益率 | 4.16% | 6.58 | 20% |
| Shareholder yield股东收益率 | 0.32% | 3.91 | 5% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
5yr CAGR5年复合增速: 7.0%
Earnings Per Share每股收益
5yr CAGR5年复合增速: 10.1%
Free Cash Flow自由现金流
Margins利润率
20.7%Return on Equity股本回报率
14.9%Return on Assets资产回报率
Leverage杠杆
| Net debt / EBITDA净债务/EBITDA | -0.17 |
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $35.1M |
| Stock-based comp股权薪酬 | $28.4M |
| Share count change (1y)股数变化（1年） | -1.0% |
Piotroski皮奥特罗斯基 8/8
Altman Z阿尔特曼Z: safe (10.2)
Clean稳健
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Expensive vs sector相对行业偏贵
Cheaper than 17% of its sector on blended multiples综合估值倍数低于行业内 17% 的公司
Beta市场敏感度
0.08×
0.21×3×
Moves about 0.1× the market波动幅度约为市场的 0.1 倍
Financial Health财务健康
8/8
Altman阿尔特曼: safe
Strong financial health财务健康状况良好
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Sector / Theme行业/主题
Payments & Fintech theme — #9 of 46 themes「支付与金融科技」主题 — 46 个主题中第 9 位
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Short interest changed -20.2%空头仓位变动 -20.2%
Technical技术面
BOTTOMING → UPTREND筑底中 → 上涨趋势
Options Positioning期权持仓
Market makers are net long gamma — price pinned near current level做市商净持有正伽玛，价格倾向于在当前水平附近震荡
Expected daily move预期日波动
±2.16%
Expected weekly move预期周波动
±4.83%
Call wall看涨密集区
$155
Put wall看跌密集区
$150
Gamma flip伽玛翻转
$134
25d risk reversal25d风险逆转
-2.4%
Flow资金流向
$0M premium traded; 0% 0DTE; P/C 0.13; ~leans bullish (direction approx)成交权利金 $0M；0DTE占0%；看跌看涨比 0.13；≈偏看涨（方向近似）
Skew: 偏斜：balanced
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: -$3.5M net (0 buyers, 2 sellers)-$3.5M 净值（0 买家，2 卖家）
Signal History信号历史
RALLY ON
UPTREND
Jul 15, 2026
BOTTOMING → UPTREND筑底中 → 上涨趋势
HOLD持有
Jul 10, 2026
JKHY weekly MACD crossed upJKHY 周线MACD上穿
The weekly MACD histogram turned positive — the slower, less-whippy momentum read.周线MACD柱状图转正 — 更慢、更少来回的动量信号。
Jul 9, 2026
BOTTOMING → UPTREND筑底中 → 上涨趋势
HOLD持有
Jul 9, 2026
JKHY RSI reached overboughtJKHY RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $150.22.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$150.22。
Jul 2, 2026
UNCONFIRMED TURN → BOTTOMING未确认转向 → 筑底中
BUY SETUP买入预备
Jun 25, 2026
UPTREND → UNCONFIRMED TURN上涨趋势 → 未确认转向
HIGH-RISK · NIMBLE ONLY高风险 · 仅限灵活操作
Jun 24, 2026
DOWNTREND → UPTREND下跌趋势 → 上涨趋势
HOLD持有
Jun 23, 2026
JKHY daily MACD crossed upJKHY 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $125.25.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$125.25。
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Factor Profile因子特征
Composite factor score综合因子得分: 0.12
Value价值
-0.6
Quality质量
+1.1
Investment资本投入
+0.2
Shareholder payout股东回报
-0.9
Low volatility低波动
+0.8
Low market beta低市场敏感度
+1.0
Earnings quality盈利质量
+0.2
Short interest空头兴趣
+0.7
Company Profile公司档案
Jack Henry and Associates, also known as Jack Henry is an American company founded in 1976 and devoted to financial technology and payment processing services, mostly for community banks and credit unions.JackHenryandAssociates（杰克·亨利联合公司，亦称JackHenry）是一家美国公司，成立于1976年，致力于金融技术和支付处理服务，主要服务于社区银行和信用合作社。
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Nightly signals, options flow, and factor analysis across all S&P 500 names.每日更新的信号、期权资金流向和因子分析，覆盖所有标普500成分股。