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 ?7.8%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.824
Beta (levered) ?0.829
Terminal OM% ?25.5%
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 · 2026-07-21

JKHY · Jack Henry & Associates, Inc.

$135.002026-07-21
Sector: Technology; Industry: Information Technology Services; Sub-Industry: Transaction & Payment Processing Services

Intrinsic Value Range Comparison · Mulya.ai

R&D capitalized (5yr)
Bull
$188
+39.4% vs market
Base · active
$162
+19.8% vs market
Bear
$124
-8.4% vs market
Mulya.ai vs Analyst IV Comparison?
Bear $124
Market $135
Base $162
Bull $188
Median $201
Market Price $135
Mulya.ai Base $162
Analysts Median $201
Mulya.ai IV range ($124 · $188)
Analysts Range ($165 · $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
2024.Q3$2.1B24.6%23.0%$394MM$44MM$438MM6.6%15.3%$2.6B$5.09
2025.Q2$2.2B6.6%23.5%23.4%$399MM−$10MM$389MM8.0%15.6%$2.5B$5.30
2025.Q3$2.2B0.0%23.5%22.9%$402MM−$21MM$381MM7.0%15.7%$2.6B$5.30
2026.Q2$2.4B7.2%25.5%22.7%$468MM−$13MM$456MM7.5%17.6%$2.7B$6.33
2026.Q3$2.5B5.9%27.7%22.9%$537MM$8MM$545MM6.8%19.9%$2.7B$7.2114.0
italics below = DCF projection · 10yr Rev CAGR: 4.7%
2027.Q3$2.6B+5.3%25.6%22.6%$525MM−$7MM$518MM7.9%$480MM19.6%$2.7B$6.8519.7
2028.Q3$2.8B+6.5%25.6%22.3%$561MM−$10MM$551MM7.9%$474MM20.9%$2.7B$7.3318.4
2029.Q3$3.0B+5.0%25.6%22.0%$591MM−$9MM$582MM8.0%$463MM21.9%$2.7B$7.7217.5
2030.Q3$3.1B+4.5%25.6%21.7%$621MM−$10MM$610MM8.1%$449MM22.9%$2.7B$8.1016.7
2031.Q3$3.2B+4.3%25.6%21.4%$650MM−$12MM$638MM8.2%$434MM23.9%$2.7B$8.4815.9
Term. Yr+$4.1B4.1%25.5%20.0%$842MM−$146MM$695MM8.6%$7.0B23.6%
Active scenario IV: $162 (+19.8% vs market)