Jack Henry & Associates, Inc.

DB:JHY Stock Report

Market Cap: €12.0b

Jack Henry & Associates Valuation

Is JHY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of JHY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: JHY (€164.2) is trading above our estimate of fair value (€155.88)

Significantly Below Fair Value: JHY is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for JHY?

Key metric: As JHY is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for JHY. This is calculated by dividing JHY's market cap by their current earnings.
What is JHY's PE Ratio?
PE Ratio31.8x
EarningsUS$399.33m
Market CapUS$12.69b

Price to Earnings Ratio vs Peers

How does JHY's PE Ratio compare to its peers?

The above table shows the PE ratio for JHY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average21.6x
DWS DWS Group GmbH KGaA
13.1x12.7%€7.8b
DBK Deutsche Bank
7.9x12.6%€30.0b
DB1 Deutsche Börse
21.8x5.4%€40.1b
HYQ Hypoport
43.4x30.4%€1.3b
JHY Jack Henry & Associates
31.8x8.6%€12.6b

Price-To-Earnings vs Peers: JHY is expensive based on its Price-To-Earnings Ratio (31.8x) compared to the peer average (21.4x).

Price to Earnings Ratio vs Industry

How does JHY's PE Ratio compare vs other companies in the European Diversified Financial Industry?

7 CompaniesPrice / EarningsEstimated GrowthMarket Cap
JHY 31.8xIndustry Avg. 10.7xNo. of Companies13PE01020304050+
7 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: JHY is expensive based on its Price-To-Earnings Ratio (31.8x) compared to the European Diversified Financial industry average (10.6x).

Price to Earnings Ratio vs Fair Ratio

What is JHY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

JHY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio31.8x
Fair PE Ratio17x

Price-To-Earnings vs Fair Ratio: JHY is expensive based on its Price-To-Earnings Ratio (31.8x) compared to the estimated Fair Price-To-Earnings Ratio (17x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst JHY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€166.45
€183.05
+10.0%
5.1%€201.15€166.04n/a14
Nov ’25€166.85
€171.73
+2.9%
7.1%€195.21€151.93n/a14
Oct ’25€157.65
€165.25
+4.8%
6.4%€185.01€146.39n/a14
Sep ’25€154.80
€163.80
+5.8%
5.7%€184.58€146.77n/a13
Aug ’25€158.30
€166.45
+5.1%
4.7%€183.56€155.11n/a14
Jul ’25€153.85
€169.29
+10.0%
4.7%€186.62€158.63n/a14
Jun ’25€147.85
€167.59
+13.4%
4.9%€185.48€157.66n/a14
May ’25€153.55
€169.81
+10.6%
5.1%€188.30€157.23n/a14
Apr ’25€158.60
€165.93
+4.6%
5.2%€184.66€151.42n/a14
Mar ’25€160.15
€165.08
+3.1%
6.1%€184.82€145.08n/a14
Feb ’25€153.25
€158.57
+3.5%
6.1%€175.16€144.74n/a14
Jan ’25€147.75
€152.75
+3.4%
7.7%€172.52€129.84n/a13
Dec ’24€144.60
€154.94
+7.1%
5.7%€173.49€134.11n/a14
Nov ’24€132.90
€157.24
+18.3%
6.6%€175.08€132.50€166.8514
Oct ’24€143.00
€158.97
+11.2%
5.1%€173.23€143.27€157.6513
Sep ’24€144.05
€156.22
+8.4%
6.1%€180.26€140.71€154.8014
Aug ’24€151.70
€158.73
+4.6%
5.6%€180.96€144.77€158.3014
Jul ’24€152.90
€160.25
+4.8%
5.3%€172.29€144.50€153.8513
Jun ’24€142.65
€160.01
+12.2%
5.2%€172.87€144.99€147.8512
May ’24€144.20
€158.29
+9.8%
4.2%€167.73€145.86€153.5511
Apr ’24€135.36
€165.43
+22.2%
4.4%€175.35€149.23€158.6011
Mar ’24€154.50
€165.43
+7.1%
4.4%€175.35€149.23€160.1511
Feb ’24€164.40
€174.12
+5.9%
4.6%€184.46€158.37€153.2511
Jan ’24€165.36
€182.75
+10.5%
5.2%€194.26€163.84€147.7511
Dec ’23€180.28
€182.75
+1.4%
5.2%€194.26€163.84€144.6011
Nov ’23€200.20
€194.94
-2.6%
6.8%€212.71€169.15€132.9011

Analyst Forecast: Target price is less than 20% higher than the current share price.

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