Should I Buy JKHY? JKHY 2026 Analysis

Should You Buy Jack Henry & Associates Inc (JKHY) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

177.940

1 Day change

-1.04%

52 Week Range

196.000

Analysis Updated At

2026/01/29

Not a good buy right now. JKHY is trading below the key S1 support (~178.86) with a worsening bearish MACD, and options positioning is decisively defensive (high put/call ratios). While fundamentals and analyst sentiment are improving, the near-term tape/sentiment setup doesn’t favor an impatient entry ahead of earnings (2026-02-03 AH).

Technical Analysis

Price closed at 177.9 (-1.04%), slipping below S1 (178.859) and below the pivot (185.12), which keeps near-term trend pressure tilted down. MACD histogram is negative (-1.691) and expanding to the downside, confirming bearish momentum. RSI(6) at ~23 suggests the stock is short-term oversold (bounce risk exists), but oversold alone is not a buy signal while momentum is still deteriorating. Moving averages are converging, implying a potential transition zone, but currently without a clear upside break. Key levels: downside support at S2 ~174.991; overhead resistance at pivot ~185.12 then R1 ~191.381.

Options Data

Bearish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

Options sentiment is bearish/hedged: put open interest (3781) materially exceeds call OI (1695) for an OI put/call of 2.23, and put volume dominates (45 puts vs 15 calls; volume put/call 3.0). Implied vol (30d) ~28.52 vs historical vol ~22 indicates elevated pricing for protection; IV percentile ~73 suggests relatively rich IV versus its recent distribution. Overall, options flows skew defensive rather than positioning for an upside breakout.

Technical Summary

Sell

Buy

Positive Catalysts

Product/partnership momentum: Banno platform transaction enrichment launch with Bud Financial; CorServ partnership expands card account management on the Jack Henry digital platform.
Guidance-type uplift: reported $6.2M deconversion revenue for fiscal 2025 Q2 and raised fiscal 2026 deconversion revenue estimate to $28M.
Wall Street tone improved materially since Nov–Jan with multiple upgrades/raised targets, supporting medium-term re-rating potential.
Pattern-based projection provided indicates a favorable 1-month bias (+6.75% next month) despite near-term chop.

Neutral/Negative Catalysts

Near-term technical damage: breakdown below S1 with bearish MACD expansion increases odds of a retest toward ~175 (S
before a sustainable rebound.
Options market is positioned defensively (high put/call ratios), often consistent with caution into upcoming events.
Earnings catalyst risk: next earnings on 2026-02-03 after hours (event-driven gap risk in either direction).
Flow/sentiment conflict: hedge funds net buying (+617% QoQ) is constructive, but insiders are heavy net sellers (selling amount +9482% last month), which is a meaningful near-term negative signal.

Financial Performance

Latest quarter: 2026/Q1. Revenue grew to $644.738M (+7.28% YoY), while profitability accelerated: net income $143.986M (+20.80% YoY) and EPS $1.97 (+20.86% YoY). Gross margin improved to 45.94 (+7.21% YoY). Overall: steady top-line growth with stronger earnings/margin leverage, a fundamentally supportive setup—just not currently aligned with the near-term technical/derivatives tone.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent trend is improving: multiple firms raised price targets and several upgraded to bullish ratings (Wolfe to Outperform $220; Keefe Bruyette to Outperform $215; Raymond James to Strong Buy $198; Compass Point to Buy $187). Neutrals remain (UBS Neutral $195; Stephens Equal Weight $200; Baird Neutral $200; Goldman Neutral with valuation caution). Wall Street pros: share-gain opportunity, improving execution and margin expansion potential, and sector sentiment improvement into 2026. Cons: premium valuation concerns and need for sustained margin expansion/top-line acceleration; competitive and migration pace watch items. Politician/congress activity: no recent congress trading data available. Intellectia Proprietary Trading Signals: **Intellectia Proprietary Trading Signals** - [AI Stock Picker](module://ai_stock_pick): no signal on given stock today. - [SwingMax](module://swingmax): No signal on given stock recently.

13 Analyst Rating

Wall Street analysts forecast JKHY stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for JKHY is 198 USD with a low forecast of 174 USD and a high forecast of 220 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

8 Buy

5 Hold

0 Sell

Moderate Buy

Current: 179.810

Low

174

Averages

198

High

220

Current: 179.810

Low

174

Averages

198

High

220

Wells Fargo

Equal Weight

maintain

$164 -> $181

AI Analysis

2026-01-30

New

Reason

Wells Fargo

Price Target

$164 -> $181

AI Analysis

2026-01-30

New

maintain

Equal Weight

Reason

Wells Fargo raised the firm's price target on Jack Henry to $181 from $164 and keeps an Equal Weight rating on the shares. The firm believes Jack Henry will likely win incremental core takeaways given peer-group challenges, but revenue tailwind will take time.

Stephens

Equal Weight

maintain

$165 -> $200

2026-01-16

Reason

Stephens

Price Target

$165 -> $200

2026-01-16

maintain

Equal Weight

Reason

Stephens raised the firm's price target on Jack Henry to $200 from $165 and keeps an Equal Weight rating on the shares as part of the firm's 2026 outlook note for the Financial Technology group. After a challenging 2025, the firm expects sentiment towards the Payment and IT Services space to improve in the coming year, the analyst tells investors.

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JKHY Should I Buy

JKHY Should I Buy

Should You Buy Jack Henry & Associates Inc (JKHY) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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