Software - Application
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Side-by-side financial analysisStock Comparison
DJCO vs TRMK vs JPM vs KO vs JKHY
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
Banks - Diversified
Beverages - Non-Alcoholic
Information Technology Services
DJCO vs TRMK vs JPM vs KO vs JKHY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||
|---|---|---|---|---|---|
| Industry | Software - Application | Banks - Regional | Banks - Diversified | Beverages - Non-Alcoholic | Information Technology Services |
| Market Cap | $766M | $2.66B | $892.31B | $348.25B | $9.43B |
| Revenue (TTM) | $94M | $1.16B | $280.33B | $49.28B | $2.52B |
| Net Income (TTM) | $14M | $224M | $57.05B | $13.70B | $519M |
| Gross Margin | 38.6% | 64.7% | 60.0% | 61.7% | 44.1% |
| Operating Margin | 12.0% | 24.2% | 25.9% | 29.3% | 26.0% |
| Forward P/E | 6.8x | 11.6x | 14.3x | 24.7x | 19.0x |
| Total Debt | $23M | $1.12B | $942.38B | $45.49B | $0.00 |
| Cash & Equiv. | $21M | $668M | $343.34B | $10.27B | $102M |
DJCO vs TRMK vs JPM vs KO vs JKHY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | 100 | 206.0 | +106.0% |
| Trustmark Corporati… (TRMK) | 100 | 184.2 | +84.2% |
| JPMorgan Chase & Co. (JPM) | 100 | 339.6 | +239.6% |
| The Coca-Cola Compa… (KO) | 100 | 181.1 | +81.1% |
| Jack Henry & Associ… (JKHY) | 100 | 70.8 | -29.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: DJCO vs TRMK vs JPM vs KO vs JKHY
Each card shows where this stock fits in a portfolio — not just who wins on paper.
DJCO has the current edge in this matchup, primarily because of its strength in growth exposure and valuation efficiency.
- Rev growth 25.4%, EPS growth 43.5%, 3Y rev CAGR 17.5%
- PEG 0.07 vs KO's 2.21
- Lower P/E (6.8x vs 19.0x), PEG 0.07 vs 1.89
- +40.2% vs JKHY's -26.5%
TRMK is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta 0.82, Low D/E 52.6%, current ratio 0.73x
- Beta 0.82, yield 2.1%, current ratio 0.73x
- NIM 3.4% vs JPM's 2.2%
- 34.8% NII/revenue growth vs KO's 1.9%
JPM is the clearest fit if your priority is long-term compounding.
- 475.6% 10Y total return vs DJCO's 171.7%
KO is the #2 pick in this set and the best alternative if income & stability is your priority.
- Dividend streak 56 yrs, beta -0.20, yield 2.5%
- 27.8% margin vs DJCO's 14.8%
- 2.5% yield, 56-year raise streak, vs JPM's 1.9%, (1 stock pays no dividend)
JKHY ranks third and is worth considering specifically for stability and efficiency.
- Beta 0.10 vs DJCO's 1.16
- 17.0% ROA vs TRMK's 1.2%, ROIC 21.0% vs 7.1%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 34.8% NII/revenue growth vs KO's 1.9% | |
| Value | Lower P/E (6.8x vs 19.0x), PEG 0.07 vs 1.89 | |
| Quality / Margins | 27.8% margin vs DJCO's 14.8% | |
| Stability / Safety | Beta 0.10 vs DJCO's 1.16 | |
| Dividends | 2.5% yield, 56-year raise streak, vs JPM's 1.9%, (1 stock pays no dividend) | |
| Momentum (1Y) | +40.2% vs JKHY's -26.5% | |
| Efficiency (ROA) | 17.0% ROA vs TRMK's 1.2%, ROIC 21.0% vs 7.1% |
DJCO vs TRMK vs JPM vs KO vs JKHY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
DJCO vs TRMK vs JPM vs KO vs JKHY — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
KO leads in 2 of 6 categories
TRMK leads 1 • JKHY leads 1 • JPM leads 1 • DJCO leads 0 • 1 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
KO leads this category, winning 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
JPM is the larger business by revenue, generating $280.3B annually — 2979.9x DJCO's $94M. KO is the more profitable business, keeping 27.8% of every revenue dollar as net income compared to DJCO's 14.8%. On growth, DJCO holds the edge at +25.0% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $94M | $1.2B | $280.3B | $49.3B | $2.5B |
| EBITDAEarnings before interest/tax | $12M | $323M | $81.4B | $15.5B | $810M |
| Net IncomeAfter-tax profit | $14M | $224M | $57.0B | $13.7B | $519M |
| Free Cash FlowCash after capex | $14M | $230M | $100.9B | $12.6B | $728M |
| Gross MarginGross profit ÷ Revenue | +38.6% | +64.7% | +60.0% | +61.7% | +44.1% |
| Operating MarginEBIT ÷ Revenue | +12.0% | +24.2% | +25.9% | +29.3% | +26.0% |
| Net MarginNet income ÷ Revenue | +14.8% | +19.3% | +20.4% | +27.8% | +20.6% |
| FCF MarginFCF ÷ Revenue | +14.7% | +19.8% | +36.0% | +25.5% | +28.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +25.0% | — | — | +12.1% | +8.7% |
| EPS Growth (YoY)Latest quarter vs prior year | -177.5% | +5.4% | +16.0% | +18.2% | +12.5% |
Valuation Metrics
TRMK leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 6.8x trailing earnings, DJCO trades at a 74% valuation discount to KO's 26.6x P/E. Adjusting for growth (PEG ratio), DJCO offers better value at 0.07x vs KO's 2.38x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $766M | $2.7B | $892.3B | $348.2B | $9.4B |
| Enterprise ValueMkt cap + debt − cash | $769M | $3.1B | $1.49T | $383.5B | $9.3B |
| Trailing P/EPrice ÷ TTM EPS | 6.83x | 12.21x | 15.93x | 26.62x | 20.89x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 11.57x | 14.34x | 24.75x | 19.03x |
| PEG RatioP/E ÷ EPS growth rate | 0.07x | 1.51x | 0.90x | 2.38x | 2.07x |
| EV / EBITDAEnterprise value multiple | 66.51x | 9.54x | 18.32x | 25.89x | 12.07x |
| Price / SalesMarket cap ÷ Revenue | 8.74x | 2.37x | 3.19x | 7.26x | 3.97x |
| Price / BookPrice ÷ Book value/share | 1.96x | 1.29x | 2.46x | 10.18x | 4.47x |
| Price / FCFMarket cap ÷ FCF | 57.52x | 11.46x | 8.85x | 65.76x | 16.04x |
Profitability & Efficiency
JKHY leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
KO delivers a 41.1% return on equity — every $100 of shareholder capital generates $41 in annual profit, vs $4 for DJCO. DJCO carries lower financial leverage with a 0.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to JPM's 2.60x. On the Piotroski fundamental quality scale (0–9), TRMK scores 7/9 vs JPM's 5/9, reflecting strong financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +3.8% | +10.8% | +15.9% | +41.1% | +24.0% |
| ROA (TTM)Return on assets | +2.7% | +1.2% | +1.3% | +13.1% | +17.0% |
| ROICReturn on invested capital | +2.5% | +7.1% | +4.5% | +15.8% | +21.0% |
| ROCEReturn on capital employed | +2.6% | +3.2% | +8.9% | +17.3% | +22.7% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 | 5 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.06x | 0.53x | 2.60x | 1.33x | — |
| Net DebtTotal debt minus cash | $2M | $448M | $599.0B | $35.2B | -$102M |
| Cash & Equiv.Liquid assets | $21M | $668M | $343.3B | $10.3B | $102M |
| Total DebtShort + long-term debt | $23M | $1.1B | $942.4B | $45.5B | $0 |
| Interest CoverageEBIT ÷ Interest expense | 114.24x | 0.75x | 0.74x | 10.70x | 122.37x |
Total Returns (Dividends Reinvested)
JPM leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in JPM five years ago would be worth $22,071 today (with dividends reinvested), compared to $8,605 for JKHY. Over the past 12 months, DJCO leads with a +40.2% total return vs JKHY's -26.5%. The 3-year compound annual growth rate (CAGR) favors JPM at 32.7% vs JKHY's -6.1% — a key indicator of consistent wealth creation.
| Metric | |||||
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +10.9% | +16.8% | -0.9% | +18.6% | -26.2% |
| 1-Year ReturnPast 12 months | +40.2% | +36.2% | +20.3% | +17.7% | -26.5% |
| 3-Year ReturnCumulative with dividends | +92.0% | +114.0% | +133.8% | +42.6% | -17.1% |
| 5-Year ReturnCumulative with dividends | +61.5% | +52.2% | +120.7% | +63.1% | -13.9% |
| 10-Year ReturnCumulative with dividends | +171.7% | +126.8% | +475.6% | +118.2% | +77.0% |
| CAGR (3Y)Annualised 3-year return | +24.3% | +28.9% | +32.7% | +12.6% | -6.1% |
Risk & Volatility
Evenly matched — TRMK and KO each lead in 1 of 2 comparable metrics.
Risk & Volatility
KO is the less volatile stock with a -0.20 beta — it tends to amplify market swings less than DJCO's 1.16 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. TRMK currently trades 97.5% from its 52-week high vs JKHY's 67.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||||
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.16x | 0.82x | 0.94x | -0.20x | 0.10x |
| 52-Week HighHighest price in past year | $674.75 | $46.34 | $337.25 | $84.04 | $193.39 |
| 52-Week LowLowest price in past year | $348.63 | $33.39 | $266.85 | $65.35 | $124.63 |
| % of 52W HighCurrent price vs 52-week peak | +82.4% | +97.5% | +94.7% | +96.3% | +67.4% |
| RSI (14)Momentum oscillator 0–100 | 67.9 | 63.3 | 65.0 | 60.8 | 33.7 |
| Avg Volume (50D)Average daily shares traded | 43K | 330K | 7.0M | 12.7M | 1.2M |
Analyst Outlook
KO leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: TRMK as "Hold", JPM as "Buy", KO as "Buy", JKHY as "Buy". Consensus price targets imply 49.3% upside for JKHY (target: $195) vs 0.7% for TRMK (target: $46). For income investors, KO offers the higher dividend yield at 2.52% vs JKHY's 1.73%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold | Buy | Buy | Buy |
| Price TargetConsensus 12-month target | — | $45.50 | $339.75 | $86.13 | $194.63 |
| # AnalystsCovering analysts | — | 9 | 61 | 48 | 22 |
| Dividend YieldAnnual dividend ÷ price | — | +2.1% | +1.9% | +2.5% | +1.7% |
| Dividend StreakConsecutive years of raises | 4 | 1 | 15 | 56 | 22 |
| Dividend / ShareAnnual DPS | — | $0.97 | $5.95 | $2.04 | $2.25 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +3.0% | +3.9% | +0.2% | +0.4% |
KO leads in 2 of 6 categories (Income & Cash Flow, Analyst Outlook). TRMK leads in 1 (Valuation Metrics). 1 tied.
DJCO vs TRMK vs JPM vs KO vs JKHY: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is DJCO or TRMK or JPM or KO or JKHY a better buy right now?
For growth investors, Trustmark Corporation (TRMK) is the stronger pick with 34.
8% revenue growth year-over-year, versus 1. 9% for The Coca-Cola Company (KO). Daily Journal Corporation (DJCO) offers the better valuation at 6. 8x trailing P/E, making it the more compelling value choice. Analysts rate JPMorgan Chase & Co. (JPM) a "Buy" — based on 61 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — DJCO or TRMK or JPM or KO or JKHY?
On trailing P/E, Daily Journal Corporation (DJCO) is the cheapest at 6.
8x versus The Coca-Cola Company at 26. 6x. On forward P/E, Trustmark Corporation is actually cheaper at 11. 6x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: JPMorgan Chase & Co. wins at 0. 81x versus The Coca-Cola Company's 2. 21x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — DJCO or TRMK or JPM or KO or JKHY?
Over the past 5 years, JPMorgan Chase & Co.
(JPM) delivered a total return of +120. 7%, compared to -13. 9% for Jack Henry & Associates, Inc. (JKHY). Over 10 years, the gap is even starker: JPM returned +475. 6% versus JKHY's +77. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — DJCO or TRMK or JPM or KO or JKHY?
By beta (market sensitivity over 5 years), The Coca-Cola Company (KO) is the lower-risk stock at -0.
20β versus Daily Journal Corporation's 1. 16β — meaning DJCO is approximately -681% more volatile than KO relative to the S&P 500. On balance sheet safety, Daily Journal Corporation (DJCO) carries a lower debt/equity ratio of 6% versus 3% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.
05Which is growing faster — DJCO or TRMK or JPM or KO or JKHY?
By revenue growth (latest reported year), Trustmark Corporation (TRMK) is pulling ahead at 34.
8% versus 1. 9% for The Coca-Cola Company (KO). On earnings-per-share growth, the picture is similar: Daily Journal Corporation grew EPS 43. 5% year-over-year, compared to 1. 5% for JPMorgan Chase & Co.. Over a 3-year CAGR, DJCO leads at 17. 5% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — DJCO or TRMK or JPM or KO or JKHY?
Daily Journal Corporation (DJCO) is the more profitable company, earning 127.
9% net margin versus 19. 2% for Jack Henry & Associates, Inc. — meaning it keeps 127. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: KO leads at 28. 7% versus 12. 9% for DJCO. At the gross margin level — before operating expenses — TRMK leads at 71. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is DJCO or TRMK or JPM or KO or JKHY more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, JPMorgan Chase & Co. (JPM) is the more undervalued stock at a PEG of 0. 81x versus The Coca-Cola Company's 2. 21x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Trustmark Corporation (TRMK) trades at 11. 6x forward P/E versus 24. 7x for The Coca-Cola Company — 13. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for JKHY: 49. 3% to $194. 63.
08Which pays a better dividend — DJCO or TRMK or JPM or KO or JKHY?
In this comparison, KO (2.
5% yield), TRMK (2. 1% yield), JPM (1. 9% yield), JKHY (1. 7% yield) pay a dividend. DJCO does not pay a meaningful dividend and should not be held primarily for income.
09Is DJCO or TRMK or JPM or KO or JKHY better for a retirement portfolio?
For long-horizon retirement investors, The Coca-Cola Company (KO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.
20), 2. 5% yield, +118. 2% 10Y return). Both have compounded well over 10 years (KO: +118. 2%, DJCO: +171. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between DJCO and TRMK and JPM and KO and JKHY?
These companies operate in different sectors (DJCO (Technology) and TRMK (Financial Services) and JPM (Financial Services) and KO (Consumer Defensive) and JKHY (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: DJCO is a small-cap high-growth stock; TRMK is a small-cap high-growth stock; JPM is a large-cap deep-value stock; KO is a large-cap quality compounder stock; JKHY is a small-cap quality compounder stock. TRMK, JPM, KO, JKHY pay a dividend while DJCO does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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