JKHY vs CSL

For growth investors, Jack Henry & Associates, Inc.

(JKHY) is the stronger pick with 7. 2% revenue growth year-over-year, versus 0. 3% for Carlisle Companies Incorporated (CSL). Carlisle Companies Incorporated (CSL) offers the better valuation at 21. 8x trailing P/E (17. 8x forward), making it the more compelling value choice. Analysts rate Jack Henry & Associates, Inc. (JKHY) a "Buy" — based on 22 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.

On trailing P/E, Carlisle Companies Incorporated (CSL) is the cheapest at 21.

8x versus Jack Henry & Associates, Inc. at 22. 9x. On forward P/E, Carlisle Companies Incorporated is actually cheaper at 17. 8x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Carlisle Companies Incorporated wins at 0. 74x versus Jack Henry & Associates, Inc. 's 2. 11x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Carlisle Companies Incorporated (CSL) delivered a total return of +102.

8%, compared to -3. 2% for Jack Henry & Associates, Inc. (JKHY). Over 10 years, the gap is even starker: CSL returned +290. 7% versus JKHY's +92. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Jack Henry & Associates, Inc.

(JKHY) is the lower-risk stock at 0. 28β versus Carlisle Companies Incorporated's 1. 12β — meaning CSL is approximately 296% more volatile than JKHY relative to the S&P 500.

By revenue growth (latest reported year), Jack Henry & Associates, Inc.

(JKHY) is pulling ahead at 7. 2% versus 0. 3% for Carlisle Companies Incorporated (CSL). On earnings-per-share growth, the picture is similar: Jack Henry & Associates, Inc. grew EPS 19. 3% year-over-year, compared to -38. 6% for Carlisle Companies Incorporated. Over a 3-year CAGR, JKHY leads at 6. 9% 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.

Jack Henry & Associates, Inc.

(JKHY) is the more profitable company, earning 19. 2% net margin versus 14. 8% for Carlisle Companies Incorporated — meaning it keeps 19. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JKHY leads at 23. 9% versus 19. 9% for CSL. At the gross margin level — before operating expenses — JKHY leads at 42. 7%, 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.

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, Carlisle Companies Incorporated (CSL) is the more undervalued stock at a PEG of 0. 74x versus Jack Henry & Associates, Inc. 's 2. 11x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Carlisle Companies Incorporated (CSL) trades at 17. 8x forward P/E versus 21. 3x for Jack Henry & Associates, Inc. — 3. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for JKHY: 42. 6% to $203. 75.

All stocks in this comparison pay dividends.

Jack Henry & Associates, Inc. (JKHY) offers the highest yield at 1. 6%, versus 1. 1% for Carlisle Companies Incorporated (CSL).

For long-horizon retirement investors, Jack Henry & Associates, Inc.

(JKHY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 28), 1. 6% yield). Both have compounded well over 10 years (JKHY: +92. 3%, CSL: +290. 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.

These companies operate in different sectors (JKHY (Technology) and CSL (Industrials)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

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.