JK
JKHY
Latest · Mar 31, 2026
Quarter ended Mar 31, 2026 · FY2026 Q3

Jack Henry & Associates, Inc. stock research

Jack Henry & Associates (JKHY) Free Cash Flow — Quarter Ended Mar 31, 2026

Operating cash flow and free cash flow improved sharply in the current quarter, supported by higher revenue and a lower capital expenditure outlay relative to the prior period. The free cash flow margin strengthened to a higher level compared with both the immediate preceding quarter and the same quarter one year earlier.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Operating cash flow and free cash flow improved sharply in the current quarter, supported by higher revenue and a lower capital expenditure outlay relative to the prior period. The free cash flow margin strengthened to a higher level compared with both the immediate preceding quarter and the same quarter one year earlier.

  • Revenue increased while operating cash flow rose more than proportionally, and capital expenditure declined, resulting in a higher free cash flow and an improved free cash flow margin. The cash conversion efficiency strengthened sequentially and year over year.
  • Compared to the immediately preceding quarter, revenue, operating cash flow, and free cash flow were all higher, while capital expenditure was lower. Versus the same quarter one year earlier, every metric improved, with operating cash flow and free cash flow showing the largest relative gains.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$727.6M

Trailing twelve-month free cash flow.

Quarter free cash flow

$169.5M

Free cash flow in the selected fiscal quarter.

Operating cash flow

$186.0M

Cash generated by operations before capital spending.

CapEx

$16.5M

Capital spending and related asset purchases.

FCF margin

26.6%

The share of revenue converted into free cash flow.

TTM FCF yield

6.9%

TTM FCF divided by market capitalization.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2025-06-30$615.4M$327.1M$12.2M$314.9M51.2%
2025-09-30$644.7M$120.6M$8.9M$111.7M17.3%
2025-12-31$619.3M$152.7M$21.2M$131.4M21.2%
2026-03-31$636.2M$186.0M$16.5M$169.5M26.6%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income137.9%Shows whether accounting earnings convert into cash.
CapEx / revenue2.6%Lower capital intensity usually supports FCF margin.
Net cashn/aCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Operating Cash Flow Expansion

Operating cash flow increased notably from both the prior quarter and the year-ago quarter, outpacing revenue growth. This was supported by changes in receivables and deferred revenues per the filing, though causation should not be inferred beyond the text.

The strong operating cash flow directly lifted free cash flow and expanded the free cash flow margin to a higher level.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Revenue increased while operating cash flow rose more than proportionally, and capital expenditure declined, resulting in a higher free cash flow and an improved free cash flow margin. The cash conversion efficiency strengthened sequentially and year over year.

Compared to the immediately preceding quarter, revenue, operating cash flow, and free cash flow were all higher, while capital expenditure was lower. Versus the same quarter one year earlier, every metric improved, with operating cash flow and free cash flow showing the largest relative gains.

Monitor the cash and cash equivalents balance, which decreased substantially from the prior fiscal year-end, given its impact on liquidity positioning.

Valuation context

A cash-flow page should show how much investors are paying for the cash stream, without turning into a full DCF.

Market capitalization$10.6BUsed as the denominator for FCF yield.
TTM FCF yield6.9%TTM free cash flow divided by market capitalization.
EV / TTM FCFn/aA quick valuation bridge, not a full DCF.

Peer context

Free cash flow quality is easier to read against related public companies.

JK
JKHY

Jack Henry & Associates, Inc.

FCF margin

26.6%

FCF yield

6.9%