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52주 최고가 대비 70.3% 위치
Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist of integrated applications required to process deposit, loan, general ledger transactions, and maintain centralized accountholder information. The Payments segment offers secure payment processing tools and services, including ATM, automated clearing house origination and remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions. The Complementary segment provides software, and hosted processing platforms and services comprising digital/mobile banking, treasury, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate and Other segment offers hardware and other products. It offers specialized financial performance, imaging and payment, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. The company also provides SilverLake system, a system primarily designed for commercial-focused banks; Symitar, a system designed for credit unions; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and service solutions; data center solutions; and data and transaction processing, and software licensing and related services, as well as professional services. The company was founded in 1976 and is headquartered in Monett, Missouri.
SEC 13F 공시 기준 · 2025-Q4
SEC 13F 공시 기준 데이터입니다. 실제 현재 보유 현황과 다를 수 있으며, 투자 자문·권유·추천이 아닙니다.
| 재무 항목 | 2022년 | 2023년 | 2024년 | 2025년 |
|---|---|---|---|---|
| 주요 재무실적 (USD) | ||||
| 매출액 | $1.94B | $2.08B | $2.22B | $2.38B |
| 영업이익 | $474.6M | $480.7M | $489.4M | $568.7M |
| 당기순이익 | $362.9M | $366.6M | $381.8M | $455.7M |
| 잉여현금흐름 (FCF) | $313.2M | $174.6M | $335.6M | $410.3M |
| 수익성 비율 | ||||
| 영업이익률 | 24.4% | 23.1% | 22.1% | 23.9% |
| 순이익률 | 18.7% | 17.6% | 17.2% | 19.2% |
| ROE (자기자본이익률) | 26.3% | 22.8% | 20.7% | 21.4% |
| ROA (자산이익률) | 14.8% | 13.2% | 13.1% | 15.0% |
| 성장성 비율 | ||||
| 매출 성장률 (YoY) | - | 6.9% | 6.6% | 7.2% |
| EPS 성장률 (YoY) | - | 1.6% | 4.2% | 19.3% |
| 투자 지표 & 가치배수 | ||||
| PER (주가수익배수) | 39.9x | 32.0x | 31.9x | 26.8x |
| PBR (주가순자산배수) | 10.1x | 7.1x | 6.4x | 5.6x |
| PSR (주가매출배수) | 7.2x | 5.5x | 5.3x | 5.0x |
| FCF Yield | 2.2% | 1.5% | 2.8% | 3.5% |
| 재무 건전성 (안정성) | ||||
| 부채비율 (D/E) | 0.08 | 0.17 | 0.08 | - |
| 유동비율 | 1.13 | 1.20 | 1.00 | 1.27 |
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