Jack Henry & Associates, Inc. (JKHY) Balance Sheet
JKHY balance sheet, FY2026
June 30, 2026 · U.S. dollars$3.15B assets = $1.09B liabilities + $2.05B equity
Both columns are drawn to the same scale: what JKHY owns equals what it owes plus shareholders’ equity. Hover a block for its value.
JKHY financial health
Current ratio1.17
Adequate · current assets cover current liabilities 1.17×
Debt / equity0.02
Low leverage · $0.02 of debt for each $1 of equity
Equity / assets65.2%
Equity-funded · of assets funded by shareholders
Cash / debt30.1%
Low cash cover · cash & short-term investments vs total debt
Goodwill & intangibles49.1%
Acquisition-heavy · of total assets
Descriptive bands, not a rating. Fiscal FY2026.
JKHY balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.91BFY2017 | $3.15BFY2026 | +5.7%/yr | |
| Total liabilities | $876.9MFY2017 | $1.09BFY2026 | +2.5%/yr | |
| Shareholders’ equity | $1.03BFY2017 | $2.05BFY2026 | +7.9%/yr | |
| Cash & short-term investments | $114.8MFY2017 | $12.1MFY2026 | −22.1%/yr | |
| Total debt | $260.2MFY2017 | $40.0MFY2026 | −18.8%/yr | |
| Net cash (debt) | −$145.4MFY2017 | −$27.9MFY2026 | +$117.5M | |
| Working capital | $48.8MFY2017 | $92.9MFY2026 | +$44.0M | |
| Book value per share | $13.19FY2017 | $28.48FY2026 | +8.9%/yr | |
| Current ratio | 1.10FY2017 | 1.17FY2026 | +0.06 | |
| Debt / equity | 0.25FY2017 | 0.02FY2026 | −0.23 | |
| Shares outstanding | 78.3MFY2017 | 72.0MFY2026 | −0.9%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
JKHY assets
Cash & ST investmentsReceivablesInventoryOther currentPP&EGoodwill & intangiblesLT investmentsOther non-current
JKHY liabilities and equity
Current liabilitiesLong-term debtOther long-term liabilitiesEquity
JKHY debt vs cash
Total debtCash & ST investmentsNet cash (debt)
Debt includes short- and long-term borrowings and, where reported, lease obligations.
JKHY balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $12.1M | $102.0M | $102.0M | $12.2M | $12.2M | $48.8M | $213.3M | $93.6M | $31.4M | $114.8M |
| Cash & equivalents | $12.1M | $102.0M | $102.0M | $12.2M | $12.2M | $48.8M | $213.3M | $93.6M | $31.4M | $114.8M |
| Short-term investments | — | — | — | — | — | −$326.9M | −$304.3M | −$272.6M | −$134.7M | $0 |
| Receivables | $356.0M | $318.0M | $318.0M | $361.3M | $368.8M | $361.9M | $300.9M | $310.1M | $313.3M | $297.1M |
| Inventory | $0 | $0 | −$168.8M | −$615.7M | $1 | $1 | −$154.8M | $1 | $40.5M | $41.3M |
| Other current assets | $281.0M | $261.5M | $430.3M | $254.5M | $246.9M | $202.8M | $154.8M | $165.7M | $83.3M | $66.9M |
| Total current assets | $649.1M | $681.5M | $681.5M | $12.2M | $628.0M | $613.5M | $514.3M | $569.4M | $468.5M | $520.0M |
| Property, plant & equipment (net) | $220.5M | $221.0M | $221.0M | $205.7M | $205.7M | $211.7M | $273.4M | $272.5M | $286.9M | $282.9M |
| Goodwill & intangible assets | $1.54B | $1.49B | $1.49B | $824.8M | $1.46B | $1.19B | $1.15B | $1.12B | $1.09B | $926.6M |
| Long-term investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $5.0M | $0 | $0 |
| Other non-current assets | $731.7M | $651.5M | $651.5M | $1.73B | $484.2M | $437.3M | $488.9M | $68.1M | $203.3M | $179.4M |
| Total assets | $3.15B | $3.04B | $3.04B | $2.77B | $2.77B | $2.46B | $2.43B | $2.03B | $2.05B | $1.91B |
| Liabilities | ||||||||||
| Accounts payable | $34.9M | $28.2M | $28.2M | $19.2M | $19.2M | $21.0M | $9.9M | $9.8M | $132.4M | $88.4M |
| Short-term debt | — | $9.4M | $98.5M | $380.6M | $10.8M | $134,000 | $323,000 | — | $190.9M | $210.2M |
| Deferred revenue | $294.8M | $290.5M | $290.5M | $399.7M | $332.0M | $330.7M | $389.6M | $369.9M | $448.6M | $511.4M |
| Total current liabilities | $556.2M | $535.8M | $535.8M | $399.7M | $523.8M | $543.8M | $566.5M | $470.0M | $487.9M | $471.2M |
| Long-term debt | $40.0M | $0 | $60.0M | $275.0M | $115.0M | $100.0M | $208,000 | $0 | $0 | $50.0M |
| Lease obligations | — | — | — | — | $67,000 | $193,000 | $323,000 | — | — | $0 |
| Other long-term liabilities | $497.5M | $377.4M | $317.4M | $366.6M | $526.6M | $430.1M | $312.1M | $285.9M | $295.6M | $355.7M |
| Total liabilities | $1.09B | $913.1M | $913.1M | $399.7M | $1.17B | $1.07B | $878.8M | $710.2M | $783.5M | $876.9M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M |
| Retained earnings (deficit) | $3.71B | $3.37B | $3.37B | $2.86B | $2.86B | $2.64B | $2.24B | $2.07B | $1.86B | $1.59B |
| Treasury stock | — | — | — | −$1.83B | — | — | −$1.18B | −$1.11B | −$1.06B | −$1.01B |
| Accumulated other comprehensive income | — | — | — | $0 | — | $0 | $0 | −$388.5M | −$364.2M | −$345.0M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $2.05B | $2.13B | $2.13B | $2.37B | $1.61B | $1.38B | $1.55B | $1.43B | $1.27B | $1.03B |
| Key figures | ||||||||||
| Total debt | $40.0M | $51.2M | $209.6M | $655.6M | $275.0M | $115.1M | $531,000 | — | $190.9M | $260.2M |
| Net cash (debt) | −$27.9M | $50.8M | −$107.7M | −$643.3M | −$262.8M | −$66.3M | $212.8M | — | −$159.5M | −$145.4M |
| Working capital | $92.9M | $145.7M | $145.7M | −$387.5M | $104.2M | $69.7M | −$52.2M | $99.5M | −$19.4M | $48.8M |
| Tangible book value | $507.5M | $640.8M | $640.8M | $1.55B | $152.5M | $188.6M | $397.9M | $310.9M | $175.2M | $105.4M |
| Book value per share | $28.48 | $29.17 | $29.18 | $32.48 | $21.89 | $18.26 | $20.14 | $18.48 | $16.33 | $13.19 |
| Shares outstanding | 72.0M | 73.0M | 73.0M | 73.1M | 73.5M | 75.7M | 76.9M | 77.3M | 77.6M | 78.3M |
| Current ratio | 1.17 | 1.27 | 1.27 | 0.03 | 1.20 | 1.13 | 0.91 | 1.21 | 0.96 | 1.10 |
| Quick ratio | 0.66 | 0.78 | 0.78 | 0.93 | 0.73 | 0.76 | 0.91 | 0.86 | 0.71 | 0.87 |
| Debt / equity | 0.02 | 0.02 | 0.10 | 0.28 | 0.17 | 0.08 | 0.00 | — | 0.15 | 0.25 |
| Equity / assets | 65.2% | 70.0% | 70.0% | 85.6% | 58.0% | 56.3% | 63.8% | 70.3% | 61.8% | 54.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $12.1M | $20.6M | $28.2M | $36.2M | $102.0M | $39.9M | $25.7M | $43.2M | $102.0M | $39.9M | $25.7M | $31.5M |
| Cash & equivalents | $12.1M | $20.6M | $28.2M | $36.2M | $102.0M | $39.9M | $25.7M | $43.2M | $102.0M | $39.9M | $25.7M | $31.5M |
| Short-term investments | — | — | — | — | — | — | — | — | — | — | $153.3M | — |
| Receivables | $356.0M | $282.5M | $337.7M | $308.4M | $318.0M | $282.2M | $283.2M | $306.7M | $318.0M | $282.2M | $283.2M | $288.7M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $43.2M | $0 | $1 | $77.7M | $79.6M |
| Other current assets | $281.0M | $291.8M | $164.8M | $307.0M | $261.5M | $271.2M | $270.9M | $241.4M | $261.5M | $271.2M | $193.2M | $163.7M |
| Total current assets | $649.1M | $594.8M | $530.8M | $651.7M | $681.5M | $593.2M | $579.8M | $634.5M | $681.5M | $593.2M | $579.8M | $563.5M |
| Property, plant & equipment (net) | $220.5M | $214.0M | $256.9M | $204.9M | $221.0M | $221.5M | $227.0M | $212.3M | $221.0M | $221.5M | $227.0M | $202.8M |
| Goodwill & intangible assets | $1.54B | $1.54B | $1.54B | $1.54B | $1.49B | $1.49B | $1.49B | $1.48B | $1.49B | $1.49B | $1.49B | $825.2M |
| Long-term investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other non-current assets | $731.7M | $699.3M | $732.1M | $650.9M | $651.5M | $628.3M | $619.9M | $600.6M | $651.5M | $628.3M | $619.9M | $1.14B |
| Total assets | $3.15B | $3.05B | $3.06B | $3.05B | $3.04B | $2.93B | $2.91B | $2.93B | $3.04B | $2.93B | $2.91B | $2.73B |
| Liabilities | ||||||||||||
| Accounts payable | $34.9M | $19.9M | $17.5M | $17.7M | $28.2M | $12.8M | $23.6M | $20.5M | $28.2M | $12.8M | $23.6M | $20.3M |
| Short-term debt | — | — | $9.6M | $9.4M | $9.4M | $90.0M | $99.2M | $90.0M | $98.5M | $90.0M | $90.0M | $41.1M |
| Deferred revenue | $294.8M | $129.0M | $193.0M | $245.5M | $290.5M | $144.2M | $197.4M | $249.0M | $290.5M | $144.2M | $197.4M | $333.4M |
| Total current liabilities | $556.2M | $341.1M | $384.9M | $436.1M | $535.8M | $435.6M | $497.4M | $570.7M | $535.8M | $435.6M | $497.4M | $470.6M |
| Long-term debt | $40.0M | $90.0M | $20.0M | $20.0M | $0 | $80.0M | $60.0M | $50.0M | $60.0M | $250.0M | $255.0M | $245.0M |
| Other long-term liabilities | $497.5M | $484.6M | $452.1M | $418.1M | $377.4M | $380.0M | $378.8M | $382.8M | $317.4M | $210.0M | $183.8M | $358.7M |
| Total liabilities | $1.09B | $915.7M | $857.0M | $874.2M | $913.1M | $895.6M | $936.2M | $1.00B | $913.1M | $895.6M | $936.2M | $1.07B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M | $1.0M |
| Retained earnings (deficit) | $3.71B | $3.64B | $3.56B | $3.47B | $3.37B | $3.29B | $3.22B | $3.16B | $3.37B | $3.29B | $3.22B | $2.92B |
| Accumulated other comprehensive income | — | — | — | — | — | — | — | — | — | — | $0 | — |
| Total shareholders' equity | $2.05B | $2.13B | $2.20B | $2.17B | $2.13B | $2.04B | $1.98B | $1.93B | $2.13B | $2.04B | $1.98B | $1.66B |
| Key figures | ||||||||||||
| Total debt | $40.0M | $90.0M | $107.4M | $108.4M | $51.2M | $170.0M | $205.7M | $140.0M | $209.6M | $170.0M | $150.0M | $292.6M |
| Net cash (debt) | −$27.9M | −$69.4M | −$79.2M | −$72.2M | $50.8M | −$130.1M | −$180.0M | −$96.8M | −$107.7M | −$130.1M | −$124.3M | −$261.1M |
| Working capital | $92.9M | $253.7M | $145.9M | $215.5M | $145.7M | $157.6M | $82.4M | $63.8M | $145.7M | $157.6M | $82.4M | $92.9M |
| Tangible book value | $507.5M | $592.4M | $662.9M | $633.3M | $640.8M | $547.5M | $490.5M | $443.9M | $640.8M | $547.5M | $490.5M | $834.7M |
| Book value per share | $28.48 | $29.66 | $30.42 | $29.81 | $29.19 | $27.89 | $27.03 | $26.34 | $29.16 | $27.88 | $27.07 | $22.73 |
| Shares outstanding | 72.0M | 72.0M | 72.4M | 72.9M | 73.0M | 73.0M | 73.1M | 73.1M | 73.1M | 73.0M | 73.0M | 73.0M |
| Current ratio | 1.17 | 1.74 | 1.38 | 1.49 | 1.27 | 1.36 | 1.17 | 1.11 | 1.27 | 1.36 | 1.17 | 1.20 |
| Quick ratio | 0.66 | 0.89 | 0.95 | 0.79 | 0.78 | 0.74 | 0.62 | 0.61 | 0.78 | 0.74 | 0.62 | 0.68 |
| Debt / equity | 0.02 | 0.04 | 0.05 | 0.05 | 0.02 | 0.08 | 0.10 | 0.07 | 0.10 | 0.08 | 0.08 | 0.18 |
| Equity / assets | 65.2% | 70.0% | 72.0% | 71.3% | 70.0% | 69.5% | 67.8% | 65.7% | 70.0% | 69.5% | 67.8% | 60.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed August 28, 2026); data from EODHD.
JKHY financial position
At the end of fiscal 2026 (June 30, 2026), Jack Henry had total assets of $3.1 billion (up 3.3% from a year earlier), total liabilities of $1.1 billion and shareholders' equity of $2.1 billion. It held $12.1 million in cash and short-term investments against $40.0 million of debt, net debt of $27.9 million. Its current ratio was 1.17.
Related: JKHY income statement, JKHY cash flow statement, JKHY key metrics. See the JKHY stock overview for the latest quote and news.
JKHY balance sheet FAQ
What are Jack Henry's total assets?
Jack Henry reported total assets of $3.1 billion at the end of fiscal 2026 (June 30, 2026), compared with $3.0 billion a year earlier.
How much debt does Jack Henry have?
Jack Henry had $40.0 million of total debt at the end of fiscal 2026, including short-term borrowings. Its debt-to-equity ratio was 0.02.
How much cash does Jack Henry have?
Jack Henry held $12.1 million in cash and short-term investments at the end of fiscal 2026; with $40.0 million of debt that is net debt of $27.9 million.
What is Jack Henry's book value?
Jack Henry's shareholders' equity (book value) was $2.1 billion at the end of fiscal 2026, or $28.48 per share.
What is Jack Henry's current ratio?
Jack Henry had current assets of $649.1 million and current liabilities of $556.2 million, a current ratio of 1.17 (it can cover its short-term obligations).
How much goodwill does Jack Henry have?
Jack Henry carried $1.5 billion of goodwill and intangible assets, 49.1% of total assets, at the end of fiscal 2026.