JKHY Jack Henry & Associates margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 83

Gross margin

43.8%

Operating margin

25.3%

EBITDA margin

34.5%

Net margin

20%

At present, Jack Henry & Associates reports a gross margin of 43.8%, an operating margin of 25.3%, an EBITDA margin of 34.5%, and a net margin of 20%. The strongest improvement was in operating margin, up 0.4 percentage points; the remaining margins remained unchanged.

JKHY margin history

Gross, operating, EBITDA and net margin trends

Jack Henry & Associates's margins averaged 42.57% gross, 23.84% operating, 33.61% EBITDA, and 18.83% net during the last 3 years. Currently all four current margins are above their three-year averages.

JKHY margin expansion

Year-over-year margin changes in percentage points

Gross margin expanded by 0.3 percentage points, operating margin by 0.4 percentage points, and net margin by 0.1 percentage points, while EBITDA margin was unchanged.

Gross margin expansion

0.3pp

Operating margin expansion

0.4pp

EBITDA margin expansion

0pp

Net margin expansion

0.1pp

JKHY Gross margin

Over the last 3 years, Jack Henry & Associates recorded an average gross margin of 42.57%. As of the latest period, the current gross margin for Jack Henry & Associates is 43.8%, 1.2 percentage points above its three-year average. The highest gross margin for Jack Henry & Associates was 44.1% in Mar 2026, while the lowest was 41.2% in Sep 2024.

JKHY Operating margin

The average operating margin for Jack Henry & Associates was 23.84% in the last 3 years. The current operating margin stands at 25.3%, 1.5 percentage points above its three-year average. The operating margin for Jack Henry & Associates moved between 22.1% in Jun 2024 and 26% in Mar 2026.

JKHY EBITDA margin

Over the last 3 years, Jack Henry & Associates recorded an average EBITDA margin of 33.61%. The current EBITDA margin stands at 34.5%, 0.9 percentage points above its three-year average. The highest EBITDA margin for Jack Henry & Associates was 35.3% in Mar 2026, while the lowest was 32.2% in Jun 2024.

JKHY Net margin

The average net margin for Jack Henry & Associates was 18.83% across the past 3 years. Right now, the current net margin for Jack Henry & Associates is 20%, 1.2 percentage points above its three-year average. The net margin for Jack Henry & Associates moved between 17.2% in Jun 2024 and 20.6% in Mar 2026.

JKHY margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 43.8%, JKHY stands above the industry average but below the Technology sector and its peers average. In comparison with its Technology sector average of 52.4%, Jack Henry & Associates's gross margin is 16% lower.

JKHY margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Jack Henry & Associates's gross margin?

For the period ending Sep 30, 2026, JKHY recorded a gross margin of 43.8%.

What is Jack Henry & Associates's operating margin?

For the period ending Sep 30, 2026, JKHY recorded an operating margin of 25.3%.

What is Jack Henry & Associates's EBITDA margin?

The current EBITDA margin for JKHY is 34.5% as of Sep 30, 2026.

What is Jack Henry & Associates's net margin?

The current net margin for JKHY is 20% as of Sep 30, 2026.

What are the average margins of JKHY?

Jack Henry & Associates's average margins over the last 3 years were 42.6% gross, 23.8% operating, 33.6% EBITDA, and 18.8% net.

What are the highest historical margins of JKHY?

In the last 5 years, the highest margins reported by JKHY were 44.1% gross in Mar 2026, 26% operating in Mar 2026, 35.3% EBITDA in Mar 2026, and 20.6% net in Mar 2026.

What are the lowest historical margins of JKHY?

Over this 5-year history, Jack Henry & Associates's margins fell as low as 40.9% gross in Dec 2021, 22.1% operating in Jun 2024, 32.1% EBITDA in Mar 2023, and 17.1% net in Sep 2023.