Analysis for JKHY

$156.47 +1.21 (+0.78%)

📈 Growth — 22/30
💰 Profitability — 18/20
🏦 Financial Health — 18/20
💵 Valuation — 12/20
⚠️ Risk — 4/10

Overall Score: 76/100

Summary:

📈 Growth & Financial Trajectory

Over eight quarters, Revenues rose from about $600.98M in Q1 2025 to $644.02M in Q4 2026, a net gain of ~7%. Net income to parent started at $119.19M, peaked at $143.99M in Q1 2026, then eased to $111.23M by Q4 2026, still above early-2025 levels.

💰 Margins & Cash Flow

Gross margin averaged in the low-to-mid 40s percent range, with Q1 2026 at about 48%. Operating margin ran roughly 23-30% through most periods, ending around the mid-20s in Q4 2026. Net cash flow from operating activities was consistently positive, totaling around $100M+ per quarter and reaching about $302.7M in Q4 2026. Investing cash flow was negative and financing generally negative, reflecting ongoing capital allocation and debt management.

🛡️ Balance Sheet & Liquidity

Balance sheet shows robust equity ($2.05B) against liabilities ($1.09B) and assets of ~$3.15B. Current ratio ~1.17 indicates solid near-term liquidity. Debt is modest (long-term debt ~$40M; noncurrent liabilities ~$537M).

⚠️ Key Drivers & Risks

Drivers: steady demand for core software/payments processing in financial services; favorable operating leverage.
Risks: quarterly net income volatility; potential margin pressure if costs rise or growth slows.