Is it safe?
Can JKHY take a bad year?
Jack Henry & Associates carries $69M of net debt at 0.10× EBITDA: a load its earnings can carry.
$69M
Net debt · as at Q3 2026 · under two and a half years of EBITDA, comfortable
- Net debt / EBITDA
- 0.10×
Net debt / EBITDA · 0.22× a year ago · the load is coming down
- Interest cover
- 119×
Interest cover · operating profit covers the interest bill several times over
- Annualised volatility
- 27%
Annualised volatility · about as steady as the market itself
Details›
- Total debtQ3 2026
- $90M
- Cash and short-term investments
- $21M
- Net debt
- $69M
- EBITDA, trailing twelve months
- $696M
- Operating profit, trailing twelve months
- $654M
- Debt / equity
- 0.04×
- Total debt / EBITDA
- 0.13×
- Annualised volatilitytwo years of daily moves
- 27%
- Worst drawdown on file
- −38%
- Below its 52-week high
- −9.8%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Information Technology Services
Ranks #23 of 37 by Smart Score