JACK HENRY & ASSOCIATES INC（JKHY）の決算・業績分析
JACK HENRY & ASSOCIATES INCの2025年有価証券報告書をAI分析。売上高$2.4B(+7.2%)。営業利益$569M。Information Technology。
目次
JACK HENRY & ASSOCIATES INCの2025年度 業績サマリー
JACK HENRY & ASSOCIATES INC（証券コード: JKHY）の2025年度決算・業績分析。売上高は$2.4B（前年比+7.2%）。営業利益は$569M（前年比+16.2%）。純利益は$456M（前年比+19.4%）。有価証券報告書を基に、業績変化の要因・リスク・見通し・セグメント構成を AI が分析しました。
JACK HENRY & ASSOCIATES INCの2024年度 注目ポイント
※ 直近の2025年度XBRLデータは取込済みですが、AI分析は2024年度の10-Kを対象としています。
- Revenue grew 10.5% YoY to $1.9B (XBRL), driven by cloud and digital services expansion.
- Operating income surged 19.0% YoY to $475M (XBRL), with operating margin at 24.4% (XBRL).
- Net income rose 16.5% YoY to $363M (XBRL), supported by strong profitability and cost management.
- Free cash flow reached $470M (XBRL), with $333M returned to shareholders via dividends and buybacks (XBRL).
- ROE of 26.3% (XBRL) and ROIC of 14.8% (XBRL) highlight strong capital efficiency.
JACK HENRY & ASSOCIATES INCの売上高変化の要因
- •Total revenue reached $1.9B (XBRL), up 10.5% YoY, fueled by cloud revenue expansion, card processing (fraud detection), digital (Banno) growth, payment processing, and remote capture/ACH services (10-K). Segment-specific revenue figures are not disclosed in XBRL data (N/A). Growth was also supported by the 2022 acquisition of Payrailz, though its FY2024 impact was limited to early fiscal year revenue (10-K).
JACK HENRY & ASSOCIATES INCの営業利益変化の要因
- •Operating income increased 19.0% YoY to $475M (XBRL), with operating margin at 24.4% (XBRL). Net income rose 16.5% YoY to $363M (XBRL), reflecting 18.7% net margin (XBRL). R&D expenses totaled $121M (XBRL), while operating expenses rose 8.1% due to Payrailz integration and expanded services (10-K). Gross profit data is not available in XBRL (N/A).
JACK HENRY & ASSOCIATES INCの事業リスクと対応
Data security breaches could damage reputation, expose sensitive data, and lead to liability (10-K).
Cyber-attacks (e.g., ransomware, phishing) may disrupt operations and harm financial results (10-K).
Third-party security failures or system weaknesses could compromise data and operations (10-K).
Regulatory scrutiny may increase due to infrastructure or outsourcing failures (10-K).
Insufficient technological infrastructure could result in client loss and regulatory issues (10-K).
Compliance with consumer notification laws for security breaches may incur remediation costs (10-K).
JACK HENRY & ASSOCIATES INCの今後の見通し・業績予想
JACK HENRY & ASSOCIATES INCの事業内容
JACK HENRY & ASSOCIATES INC (JKHY) provides financial technology solutions to banks and credit unions, generating recurring revenue through cloud services, software licenses, hardware sales, and electronic payments (10-K). Core offerings include banking systems for ~940 banks and ~720 credit unions, alongside non-core products like imaging, payments, and security solutions (10-K). Competitive advantages include long-term client relationships, cross-selling capabilities, and high retention rates driven by customer satisfaction (10-K).
JACK HENRY & ASSOCIATES INCのAI業績分析レポート（2024年度）
Annual Report Analysis: JACK HENRY & ASSOCIATES INC (JKHY) FY2024
Highlights
Business Overview
JACK HENRY & ASSOCIATES INC provides financial technology solutions to banks and credit unions, generating recurring revenue through cloud services, software licenses, hardware sales, and electronic payments (10-K). Core offerings include banking systems for ~940 banks and ~720 credit unions, alongside non-core products like imaging, payments, and security solutions (10-K). Competitive advantages include long-term client relationships, cross-selling capabilities, and high retention rates driven by customer satisfaction (10-K).
Revenue Analysis
Total revenue reached $1.9B (XBRL), up 10.5% YoY, fueled by cloud revenue expansion, card processing (fraud detection), digital (Banno) growth, payment processing, and remote capture/ACH services (10-K). Segment-specific revenue figures are not disclosed in XBRL data (N/A). Growth was also supported by the 2022 acquisition of Payrailz, though its FY2024 impact was limited to early fiscal year revenue (10-K).
Profitability Analysis
Operating income increased 19.0% YoY to $475M (XBRL), with operating margin at 24.4% (XBRL). Net income rose 16.5% YoY to $363M (XBRL), reflecting 18.7% net margin (XBRL). R&D expenses totaled $121M (XBRL), while operating expenses rose 8.1% due to Payrailz integration and expanded services (10-K). Gross profit data is not available in XBRL (N/A).
Balance Sheet Analysis
Equity ratio stood at 49.8% (XBRL), with long-term debt of $275M (XBRL) and debt-to-equity ratio of 0.84x (XBRL). Total assets grew from $2.2B in FY2020 to $2.9B in FY2025 (XBRL). Current ratio was 1.20x (XBRL), indicating moderate liquidity. Cash and equivalents are not explicitly stated in XBRL data (N/A).
Cash Flow Analysis
Operating cash flow was $505M (XBRL), exceeding net income of $363M (XBRL). Free cash flow reached $470M (XBRL), calculated as operating cash flow ($505M) minus CapEx of $35M (XBRL). Shareholder returns totaled $333M (XBRL), including $139M in dividends and $194M in share repurchases (XBRL).
Working Capital Analysis
Receivables days were 68 (XBRL), while payables days were 6 (XBRL). Inventory days and cash conversion cycle (CCC) are not available in XBRL data (N/A). Asset turnover was 0.70x (XBRL), reflecting moderate efficiency in asset utilization.
Risks
Outlook
Management provided FY2025 revenue guidance of $2.1B (10-K), driven by continued cloud revenue growth, expanded fraud detection services, and integration of the Payrailz acquisition (10-K). Long-term client relationships and service quality are emphasized as key growth enablers (10-K).
Historical Time Series
| Metric | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | 1.5B | 1.6B | 1.7B | 1.8B | 1.9B | 2.1B |
| Operating Income | 358M | 347M | 381M | 399M | 475M | 481M |
| Net Income | 365M | 272M | 297M | 311M | 363M | 367M |
| Total Assets | 2.2B | 2.4B | 2.3B | 2.5B | 2.8B | 2.9B |
| Total Equity | 1.3B | 1.4B | 1.5B | 1.3B | 1.4B | 1.6B |
| Operating Cash Flow | 412M | 431M | 511M | 462M | 505M | 382M |
Information Technologyの企業一覧
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