Is JACK HENRY & ASSOCIATES INC (JKHY) Halal?
Shariah Screening — 5 Standards
Based on financial data from June 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 0.0% / 30% | 0.8% / 30% | 2.6% / 30% | 1.17% / 5% | ✓ HALAL |
| DJIM | 0.0% / 33% | 0.8% / 33% | 2.6% / 33% | 1.17% / 5% | ✓ HALAL |
| MSCI | 0.0% / 33% | 3.3% / 33% | 10.4% / 33% | 1.17% / 5% | ✓ HALAL |
| S&P | 0.0% / 33% | 0.8% / 33% | 2.6% / 33% | 1.17% / 5% | ✓ HALAL |
| FTSE | 0.0% / 33% | 3.3% / 33% | 10.4% / 50% | 1.17% / 5% | ✓ HALAL |
Financial Highlights
Profitability
| Gross Margin | 43.8% | |
| Operating Margin | 25.7% | |
| Net Margin | 20.6% | |
| Return on Equity (ROE) | 24.3% | |
| Return on Assets (ROA) | 13.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $642M |
| Free Cash Flow | $410M |
| Debt-to-Equity | 3.1 |
| Current Ratio | 1.6 |
| Total Assets | $3.0B |
Price & Trading
| Last Close | $157.20 |
| 50-Day MA | $169.08 |
| 200-Day MA | $168.78 |
| Avg Volume | 958K |
| Beta | 0.7 |
|
52-Week Range
$144.12
| |
About JACK HENRY & ASSOCIATES INC (JKHY)
Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions, which consist of integrated applications required to process deposit, loan, general ledger transactions, and maintain centralized accountholder information. The Payments segment offers secure payment processing tools and services, including ATM, automated clearing house origination and remote deposit capture processing, and risk management products and services, as well as debit and credit card processing services, and online and mobile bill pay solutions. The Complementary segment provides software, and hosted processing platforms and services comprising digital/mobile banking, treasury, online account opening, fraud/anti-money laundering, and lending/deposit solutions. The Corporate and Other segment offers hardware and other products. It offers specialized financial performance, imaging and payment, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. The company also provides SilverLake system, a system primarily designed for commercial-focused banks; Symitar, a system designed for credit unions; CIF 20/20, a parameter-driven system for banks; and Core Director, a system with point-and-click operation for banks. It provides digital products and services under the Banno Digital Platform, and electronic payment solutions; hardware systems; implementation, training, and support and service solutions; data center solutions; and data and transaction processing, and software licensing and related services, as well as professional services. The company was founded in 1976 and is headquartered in Monett, Missouri.
Purification Calculator
As a halal stock with 1.17% impermissible income, you need to purify your dividends.
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Frequently Asked Questions
Is JACK HENRY & ASSOCIATES INC (JKHY) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), JACK HENRY & ASSOCIATES INC is Halal. The company passes all financial ratio thresholds for debt, cash, receivables, and impermissible income. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is JACK HENRY & ASSOCIATES INC's debt ratio?
JACK HENRY & ASSOCIATES INC's debt ratio is 0.0% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 0.0%.
Does JACK HENRY & ASSOCIATES INC require dividend purification?
Yes, JACK HENRY & ASSOCIATES INC has an impermissible income ratio of 1.17%, which means 1.17% of any dividends received should be donated to charity as purification. This is because a small portion of the company's revenue comes from non-Shariah-compliant sources.
What are JACK HENRY & ASSOCIATES INC's key financial metrics?
JACK HENRY & ASSOCIATES INC has a market capitalization of $11.1B, trailing P/E ratio of 22.0, and revenue of $2.4B. The company maintains a gross margin of 43.8% and a net margin of 20.6%. Return on equity stands at 24.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.