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Jack Henry & Associates JKHY

equity

Price History

$0.0694$69.3$138.54$207.77
1985-11 · DCA start$0.354

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-82.8%-55.2%-27.6%0.0%
1985-112026-08 · -26.7%

Worst drawdown: −83%, peaking Mar 1986 and bottoming Oct 1989 — 65 months below the prior high before recovering.

DCA Backtest

Invested
$49,000
Value today
$7,151,221
Return
+14494.3%
Months invested
490

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $87,807 today, so the real (inflation-adjusted) return is +8044.2%.

Lump sum instead — $49,000 all at once in Nov 1985: $21,072,516 (+42905.1%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Jul 2022): $4,562 on $5,000 invested (-8.8%).

⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.

If this saved you a spreadsheet — buy me a coffee.

Every start month at once

Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.

JFMAMJJASOND
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Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 1985-11: +14494.3%

About Jack Henry & Associates

Jack Henry & Associates, also known as Jack Henry, is an American financial technology company that provides a broad range of technology solutions and payment processing services primarily for community and regional banks and credit unions. Its offerings include core processing platforms, digital and mobile banking products, payment products, and related software and services delivered through on-premises, private-cloud, and public-cloud environments. The company serves approximately 7,400 financial institutions and other corporate entities. (Wikipedia)

It's a listed company categorised under financials and transaction & payment processing services, with a market cap of about $10.7B.

It rates Medium-Low Risk at 1.8/5, meaning the rated factors are mostly sound, with one or two areas worth watching.

What pushes the score up: sector / regulatory (4.0/5) and market / volatility (2.7/5).

Scoring well: earnings quality at 1.0/5.

Not yet researched: concentration, governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.

Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.

Risk Profile

Medium-Low Risk(1.8/5)80% rated

How these ratings work

Market / Volatility2.7/5 · weight 20%
  • Annualised volatility (3yr)2/520.1
  • Max drawdown from ATH4/582.8
  • Beta vs S&P 5002/50.66
Liquidity1.0/5 · weight 15%
  • Avg daily $ volume1/5219.9m
  • Float % of shares outstandingnot yet researched
Leverage / Financial1.0/5 · weight 20%
  • Debt / equity1/50.02
  • Interest coverage (EBIT / interest)not yet researched
Earnings Quality1.0/5 · weight 15%
  • 3yr EPS volatility1/57.6
Concentrationunrated · weight 10%
  • Largest customer, % of revenuenot yet researched
  • Geographic revenue concentrationnot yet researched
Governanceunrated · weight 10%
  • Board independence %not yet researched
  • Share structurenot yet researched
  • Litigation / audit historynot yet researched
Sector / Regulatory4.0/5 · weight 10%
  • Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.