Core Company Overview - Jack Henry & Associates, Inc. (JKHY) has a market cap of $12.4 billion and operates in the financial technology sector, providing technology solutions and payment processing services to individuals and financial institutions [1] - The company operates across four segments: Core, Payments, Complementary, and Corporate and Other, offering integrated banking systems, digital banking tools, and secure payment processing solutions [1] Stock Performance - Over the past 52 weeks, JKHY shares have underperformed the broader market, with a marginal decline compared to an 11% return of the S&P 500 Index [2] - Year-to-date, JKHY shares are down 2.6%, while the S&P 500 has gained 12.3% [2] - JKHY has also underperformed the Financial Select Sector SPDR Fund (XLF), which rose nearly 3% in the same period [3] Recent Financial Results - Following the Q1 2026 results announced on November 4, JKHY shares jumped 4.9%, reporting an EPS of $1.97, which exceeded analyst estimates [4] - Revenue for the quarter was $644.7 million, reflecting a 7.3% year-over-year increase, and net income rose by 21% to $144 million [4] - The company raised its fiscal 2026 guidance, projecting revenue between $2.49 billion and $2.51 billion and EPS between $6.38 and $6.49, surpassing previous forecasts [4] Analyst Expectations - For the fiscal year ending in June 2026, analysts anticipate JKHY's EPS to grow by 3.4% year-over-year to $6.45 [5] - The company has a promising earnings surprise history, having beaten consensus estimates in the last four quarters [5] - Among 17 analysts covering the stock, the consensus rating is a "Moderate Buy," with five "Strong Buy" ratings, 11 "Holds," and one "Strong Sell" [5] Price Target and Market Sentiment - Goldman Sachs raised its price target on JKHY to $175 while maintaining a "Neutral" rating [6] - The mean price target of $177.54 indicates a 3.9% premium to JKHY's current price levels, while the highest price target of $208 suggests a potential upside of 21.8% [6]