How does Jack Henry & Associates (JKHY) make money?

Jack Henry & Associates (JKHY) primarily makes money through Payments, which accounts for 38.2% of total revenue. For TTM through Q4 2025, Jack Henry & Associates generated $2.46B in total revenue with a net profit margin of 20.6%.

What is Jack Henry & Associates (JKHY) gross profit margin?

Jack Henry & Associates (JKHY) reported a gross profit margin of 43.8% for TTM through Q4 2025, equivalent to $1.08B in gross profit. This means Jack Henry & Associates retains 43.8% of each revenue unit after direct costs of production.

What is Jack Henry & Associates (JKHY) operating profit margin?

Jack Henry & Associates (JKHY) reported an operating profit margin of 25.9% for TTM through Q4 2025, equivalent to $637.65M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.

What is Jack Henry & Associates (JKHY) net profit margin?

Jack Henry & Associates (JKHY) reported a net profit margin of 20.6% for TTM through Q4 2025, equivalent to $507.37M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.

How much does Jack Henry & Associates (JKHY) invest in R&D?

Jack Henry & Associates (JKHY) invested $163.50M in research and development in TTM through Q4 2025 (6.6% of total revenue). R&D spending reflects investment in future products, services, and technologies.

How much does Jack Henry & Associates (JKHY) spend on capital expenditures?

Jack Henry & Associates (JKHY) spent $53.98M on capital expenditures in TTM through Q4 2025 (2.2% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.

What is Jack Henry & Associates (JKHY) free cash flow?

Jack Henry & Associates (JKHY) generated $654.23M in free cash flow for TTM through Q4 2025 (26.5% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.

What is Jack Henry & Associates (JKHY) effective tax rate?

Jack Henry & Associates (JKHY) had an effective tax rate of 22.7% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.

How Jack Henry & Associates (JKHY) Makes Money: A Visual Guide

Jack Henry & Associates (JKHY) generated $2.46B in revenue, earning $507.37M in net profit (20.6% margin). Its largest revenue source is Payments (38.2% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.

Jack Henry & Associates (JKHY) Income Statement Flow — TTM through Q4 2025

Calculated from the four most recent reported quarters, ending December 31, 2025 (reported February 6, 2026).

Frequently asked questions

How does Jack Henry & Associates (JKHY) make money?: Jack Henry & Associates (JKHY) primarily makes money through Payments, which accounts for 38.2% of total revenue. For TTM through Q4 2025, Jack Henry & Associates generated $2.46B in total revenue with a net profit margin of 20.6%.
What is Jack Henry & Associates (JKHY) gross profit margin?: Jack Henry & Associates (JKHY) reported a gross profit margin of 43.8% for TTM through Q4 2025, equivalent to $1.08B in gross profit. This means Jack Henry & Associates retains 43.8% of each revenue unit after direct costs of production.
What is Jack Henry & Associates (JKHY) operating profit margin?: Jack Henry & Associates (JKHY) reported an operating profit margin of 25.9% for TTM through Q4 2025, equivalent to $637.65M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Jack Henry & Associates (JKHY) net profit margin?: Jack Henry & Associates (JKHY) reported a net profit margin of 20.6% for TTM through Q4 2025, equivalent to $507.37M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Jack Henry & Associates (JKHY) invest in R&D?: Jack Henry & Associates (JKHY) invested $163.50M in research and development in TTM through Q4 2025 (6.6% of total revenue). R&D spending reflects investment in future products, services, and technologies.
How much does Jack Henry & Associates (JKHY) spend on capital expenditures?: Jack Henry & Associates (JKHY) spent $53.98M on capital expenditures in TTM through Q4 2025 (2.2% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Jack Henry & Associates (JKHY) free cash flow?: Jack Henry & Associates (JKHY) generated $654.23M in free cash flow for TTM through Q4 2025 (26.5% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Jack Henry & Associates (JKHY) effective tax rate?: Jack Henry & Associates (JKHY) had an effective tax rate of 22.7% for TTM through Q4 2025. This is the actual percentage of pre-tax income paid as income taxes.

Data & methodology

What is a Sankey diagram?: A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?: We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
When was this data last updated?: Based on company filings through TTM through Q4 2025.