JKHY
Jack Henry & Associates, Inc.
Information Technology Services
Market Cap$10.34B
5Y Perf.-21.0%
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Stock Comparison
JKHY vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$611.60B
5Y Perf.+63.3%
JKHY vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | JKHY | V |
|---|---|---|
| Industry | Information Technology Services | Financial - Credit Services |
| Market Cap | $10.34B | $611.60B |
| Revenue (TTM) | $2.46B | $40.00B |
| Net Income (TTM) | $507M | $22.24B |
| Gross Margin | 43.8% | 80.4% |
| Operating Margin | 25.9% | 60.0% |
| Forward P/E | 21.3x | 24.4x |
| Total Debt | $0.00 | $25.17B |
| Cash & Equiv. | $102M | $20.15B |
JKHY vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
JKHY
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Jack Henry & Associ… (JKHY) | 100 | 79.0 | -21.0% |
| Visa Inc. (V) | 100 | 163.3 | +63.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: JKHY vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Jack Henry & Associates, Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
JKHY
Jack Henry & Associates, Inc.
The Income Pick
JKHY is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 32 yrs, beta 0.28, yield 1.6%
- Lower volatility, beta 0.28, current ratio 1.27x
- Beta 0.28, yield 1.6%, current ratio 1.27x
Best for: income & stability and sleep-well-at-night
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 11.3%, EPS growth 4.8%
- 328.6% 10Y total return vs JKHY's 92.3%
- PEG 1.54 vs JKHY's 2.11
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | V | 11.3% NII/revenue growth vs JKHY's 7.2% |
| Value | JKHY | Lower P/E (21.3x vs 24.4x) |
| Quality / Margins | V | 50.1% margin vs JKHY's 20.6% |
| Stability / Safety | JKHY | Beta 0.28 vs V's 0.68 |
| Dividends | JKHY | 1.6% yield, 32-year raise streak, vs V's 0.7% |
| Momentum (1Y) | V | -7.6% vs JKHY's -15.6% |
| Efficiency (ROA) | V | 22.7% ROA vs JKHY's 16.8%, ROIC 29.2% vs 21.0% |
JKHY vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
JKHY vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLJKHYLAGGINGV
VVisa Inc.
2leads
JKHYJack Henry & Associat…
2leads
6 Total Categories
CATEGORYLEADERvs VMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
JKHY6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
Tied
—
Total Returns1Y, 3Y, 5Y total returns with dividends
V6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
JKHY2/2
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
V is the larger business by revenue, generating $40.0B annually — 16.2x JKHY's $2.5B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to JKHY's 20.6%.
| Metric | JKHYJack Henry & Asso… | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $2.5B | $40.0B |
| EBITDAEarnings before interest/tax | $845M | $27.6B |
| Net IncomeAfter-tax profit | $507M | $22.2B |
| Free Cash FlowCash after capex | $654M | $21.2B |
| Gross MarginGross profit ÷ Revenue | +43.8% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +25.9% | +60.0% |
| Net MarginNet income ÷ Revenue | +20.6% | +50.1% |
| FCF MarginFCF ÷ Revenue | +26.5% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +7.9% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +28.4% | +35.3% |
V leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
JKHY leads this category, winning 6 of 7 comparable metrics.
Valuation Metrics
At 22.9x trailing earnings, JKHY trades at a 27% valuation discount to V's 31.3x P/E. Adjusting for growth (PEG ratio), V offers better value at 1.97x vs JKHY's 2.27x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | JKHYJack Henry & Asso… | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $10.3B | $611.6B |
| Enterprise ValueMkt cap + debt − cash | $10.2B | $616.6B |
| Trailing P/EPrice ÷ TTM EPS | 22.90x | 31.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 21.32x | 24.40x |
| PEG RatioP/E ÷ EPS growth rate | 2.27x | 1.97x |
| EV / EBITDAEnterprise value multiple | 13.24x | 24.46x |
| Price / SalesMarket cap ÷ Revenue | 4.35x | 15.29x |
| Price / BookPrice ÷ Book value/share | 4.90x | 16.53x |
| Price / FCFMarket cap ÷ FCF | 17.58x | 28.35x |
JKHY leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
Evenly matched — JKHY and V each lead in 4 of 8 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $24 for JKHY. On the Piotroski fundamental quality scale (0–9), JKHY scores 6/9 vs V's 5/9, reflecting solid financial health.
| Metric | JKHYJack Henry & Asso… | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +23.8% | +58.9% |
| ROA (TTM)Return on assets | +16.8% | +22.7% |
| ROICReturn on invested capital | +21.0% | +29.2% |
| ROCEReturn on capital employed | +22.7% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | — | 0.66x |
| Net DebtTotal debt minus cash | -$102M | $5.0B |
| Cash & Equiv.Liquid assets | $102M | $20.2B |
| Total DebtShort + long-term debt | $0 | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 96.67x | 26.72x |
Evenly matched — JKHY and V each lead in 4 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
V leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in V five years ago would be worth $14,202 today (with dividends reinvested), compared to $9,682 for JKHY. Over the past 12 months, V leads with a -7.6% total return vs JKHY's -15.6%. The 3-year compound annual growth rate (CAGR) favors V at 11.9% vs JKHY's -1.0% — a key indicator of consistent wealth creation.
| Metric | JKHYJack Henry & Asso… | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -19.5% | -7.8% |
| 1-Year ReturnPast 12 months | -15.6% | -7.6% |
| 3-Year ReturnCumulative with dividends | -3.0% | +40.2% |
| 5-Year ReturnCumulative with dividends | -3.2% | +42.0% |
| 10-Year ReturnCumulative with dividends | +92.3% | +328.6% |
| CAGR (3Y)Annualised 3-year return | -1.0% | +11.9% |
V leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — JKHY and V each lead in 1 of 2 comparable metrics.
Risk & Volatility
JKHY is the less volatile stock with a 0.28 beta — it tends to amplify market swings less than V's 0.68 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. V currently trades 84.9% from its 52-week high vs JKHY's 73.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | JKHYJack Henry & Asso… | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.28x | 0.68x |
| 52-Week HighHighest price in past year | $193.39 | $375.51 |
| 52-Week LowLowest price in past year | $141.81 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +73.9% | +84.9% |
| RSI (14)Momentum oscillator 0–100 | 36.9 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 900K | 7.0M |
Evenly matched — JKHY and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
JKHY leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates JKHY as "Buy" and V as "Buy". Consensus price targets imply 42.6% upside for JKHY (target: $204) vs 13.7% for V (target: $362). For income investors, JKHY offers the higher dividend yield at 1.58% vs V's 0.74%.
| Metric | JKHYJack Henry & Asso… | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $203.75 | $362.45 |
| # AnalystsCovering analysts | 22 | 61 |
| Dividend YieldAnnual dividend ÷ price | +1.6% | +0.7% |
| Dividend StreakConsecutive years of raises | 32 | 15 |
| Dividend / ShareAnnual DPS | $2.25 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.3% | +2.2% |
JKHY leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
V leads in 2 of 6 categories (Income & Cash Flow, Total Returns). JKHY leads in 2 (Valuation Metrics, Analyst Outlook). 2 tied.
Best OverallJack Henry & Associates, In… (JKHY)Leads 2 of 6 categories
Loading custom metrics...
JKHY vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is JKHY or V a better buy right now?
For growth investors, Visa Inc.
(V) is the stronger pick with 11. 3% revenue growth year-over-year, versus 7. 2% for Jack Henry & Associates, Inc. (JKHY). Jack Henry & Associates, Inc. (JKHY) offers the better valuation at 22. 9x trailing P/E (21. 3x 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.
02Which has the better valuation — JKHY or V?
On trailing P/E, Jack Henry & Associates, Inc.
(JKHY) is the cheapest at 22. 9x versus Visa Inc. at 31. 3x. On forward P/E, Jack Henry & Associates, Inc. is actually cheaper at 21. 3x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Visa Inc. wins at 1. 54x versus Jack Henry & Associates, Inc. 's 2. 11x — a reasonable growth-adjusted valuation.
03Which is the better long-term investment — JKHY or V?
Over the past 5 years, Visa Inc.
(V) delivered a total return of +42. 0%, compared to -3. 2% for Jack Henry & Associates, Inc. (JKHY). Over 10 years, the gap is even starker: V returned +328. 6% 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.
04Which is safer — JKHY or V?
By beta (market sensitivity over 5 years), Jack Henry & Associates, Inc.
(JKHY) is the lower-risk stock at 0. 28β versus Visa Inc. 's 0. 68β — meaning V is approximately 139% more volatile than JKHY relative to the S&P 500.
05Which is growing faster — JKHY or V?
By revenue growth (latest reported year), Visa Inc.
(V) is pulling ahead at 11. 3% versus 7. 2% for Jack Henry & Associates, Inc. (JKHY). On earnings-per-share growth, the picture is similar: Jack Henry & Associates, Inc. grew EPS 19. 3% year-over-year, compared to 4. 8% for Visa Inc.. 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 — JKHY or V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 19. 2% for Jack Henry & Associates, Inc. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 23. 9% for JKHY. At the gross margin level — before operating expenses — V leads at 80. 4%, 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 JKHY or V 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, Visa Inc. (V) is the more undervalued stock at a PEG of 1. 54x versus Jack Henry & Associates, Inc. 's 2. 11x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, Jack Henry & Associates, Inc. (JKHY) trades at 21. 3x forward P/E versus 24. 4x for Visa Inc. — 3. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for JKHY: 42. 6% to $203. 75.
08Which pays a better dividend — JKHY or V?
All stocks in this comparison pay dividends.
Jack Henry & Associates, Inc. (JKHY) offers the highest yield at 1. 6%, versus 0. 7% for Visa Inc. (V).
09Is JKHY or V better for a retirement portfolio?
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%, V: +328. 6%), 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 JKHY and V?
These companies operate in different sectors (JKHY (Technology) and V (Financial Services)), 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.
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Revenue Growth>
%
(JKHY: 7.9% · V: 11.3%)Net Margin>
%
(JKHY: 20.6% · V: 50.1%)P/E Ratio<
x
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