Mulya.ai
Ticker
JKHY
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?Analyst
Reinvestment est.?projected
R&D capitalizedYes · 5yr amort
Leases factoredNo
Key Assumptions
WACC ?8.1%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.899
Beta (levered) ?0.903
Terminal OM% ?26.1%
Segment conc. ?38% dominant
Terminal growth ?4.1%
Bond rating ?AAA · 0.60%
ROIC option ?Opt 4 · 23.6%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

JKHY · Jack Henry & Associates, Inc.

$157.482026-05-17
Sector: Technology; Industry: Information Technology Services; Sub-Industry: Transaction & Payment Processing Services

Intrinsic Value Range Comparison · Mulya.ai

R&D capitalized (5yr)
Bull
$184
+16.7% vs market
Base · active
$158
+0.3% vs market
Bear
$157
-0.1% vs market
Mulya.ai vs Analyst IV Comparison?
Bear $157
Market $157
Base $158
Bull $184
Median $205
Market Price $157
Mulya.ai Base $158
Analysts Median $205
Mulya.ai IV range ($157 · $184)
Analysts Range ($183 · $220)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2022.Q2$1.8B24.8%22.3%$338MM−$76MM$263MM4.8%19.1%$1.8B$4.30
2023.Q2$1.9B10.5%26.7%23.1%$399MM−$223MM$175MM7.0%20.6%$2.1B$5.01
2024.Q2$2.1B6.9%25.3%22.9%$405MM−$35MM$369MM6.9%17.7%$2.5B$5.06
2025.Q2$2.2B6.6%24.1%23.4%$409MM−$25MM$384MM8.0%16.4%$2.5B$5.27
2026.Q2$2.5B11.2%28.2%22.7%$538MM−$29MM$509MM7.5%20.7%$2.7B$7.0116.4
italics below = DCF projection · 10yr Rev CAGR: 4.7%
2027.Q2$2.6B+5.6%26.3%22.4%$530MM−$18MM$512MM8.2%$473MM19.7%$2.7B$6.7123.5
2028.Q2$2.8B+6.5%26.3%22.2%$567MM−$24MM$542MM8.2%$463MM20.9%$2.7B$7.1622.0
2029.Q2$2.9B+5.0%26.3%21.9%$597MM−$22MM$575MM8.3%$454MM21.8%$2.7B$7.5420.9
2030.Q2$3.0B+4.5%26.3%21.6%$625MM−$23MM$602MM8.3%$439MM22.7%$2.8B$7.9119.9
2031.Q2$3.2B+4.3%26.3%21.4%$654MM−$27MM$628MM8.3%$422MM23.5%$2.8B$8.2819.0
Term. Yr+$4.1B4.1%26.1%20.0%$847MM−$147MM$700MM8.6%$7.0B23.6%
Active scenario IV: $158 (+0.3% vs market)