Valuation
26% of the score
64median 13
Jack Henry & Associates is valued at 14.2x its operating profit, including debt: an ordinary multiple.
25x
20x
15x
10x
6x
14.2x
Full points at 6x or less, none from 25xfull points
JKHYJack Henry & Associates
$147.84-7.8% 1Y
$147.84
$123.4252 weeks$191.04
RyuScore
Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
RyuScore 76 out of 100, Strong
Today's price. Only valuation depends on it.
Strong. Jack Henry & Associates scores higher than 92% of the 1,794 companies Ryufin scores.
Carried by return on capital and capital allocation, with nothing holding it far back.
Financial Services median 58 · all companies 50
Return on capital
18% of the score
87median 34
Over 7 years the business earned 18% a year after tax on the capital it uses.
2%
8%
15%
25%
18%
None at 2% or less, full points from 25%full points
7 years agolatest 20%
Return on new capital
16% of the score
66median 49
For every dollar of operating profit earned over 6 years, yearly profit grew by 6 cents. New capital earned 19%, and 33% of profit went back into the business.
-5%
12%
6.2%
None at minus 5 cents, full points from 12 centsfull points
Capital allocation
14% of the score
84median 64
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Share countDown 1% a year over 5 years: buybacks
755%
-3%
-1%
0 pointsfull points
Assets against salesAssets grew 6.1% a year, sales 7.7%
9712%
-2%
-1.5%
0 pointsfull points
Cycle position
12% of the score
60median 62
Today's operating margin of 25% is 1.07x its normal 23%: close to its usual level. Normal is half the 10 year median, half the last four years, so a margin that has held is not taken for a peak.
2x
1.5x
1x
0.7x
1.1x
A trough earns points, a peak costs themfull points
10 years agonow 25%
Balance sheet
8% of the score
100median 50
What the debt weighs against the profit that has to carry it.
Net debt to EBITDA0x a year of EBITDA
1004.5x
0.5x
0x
0 pointsfull points
Interest coverOperating profit covers interest 118x
1001.5x
12x
117.9x
0 pointsfull points
Earnings quality
6% of the score
100median 90
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Cash against profitOperating cash flow was 1.47x profit over 3 years
1000.7x
1x
1.3x
1.5x
0 pointsfull points
AccrualsCash ran ahead of profit by 8.4% of assets
1008%
0%
-8%
-8.4%
0 pointsfull points
How the RyuScore works
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. Where a criterion cannot be measured from the filings it is taken out and the remaining weights scale up; a company needs 60% of the weight covered, and always a price, to get a score.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there.
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