Jack Henry [JKHY] vs Fiserv [FI] Detailed Stock Comparison

Jack Henry & Associates, Inc.

NASDAQ
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Fiserv Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Jack Henry & Associates, Inc. wins in 9 metrics, Fiserv Inc. wins in 11 metrics, with 0 ties. Fiserv Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Jack Henry & Associates, Inc. Fiserv Inc. Better
P/E Ratio (TTM) 22.31 9.86 Fiserv Inc.
Price-to-Book Ratio 5.09 1.36 Fiserv Inc.
Debt-to-Equity Ratio 3.11 120.58 Jack Henry & Associates, Inc.
PEG Ratio 0.78 0.20 Fiserv Inc.
EV/EBITDA 16.17 6.92 Fiserv Inc.
Profit Margin (TTM) 20.59% 17.05% Jack Henry & Associates, Inc.
Operating Margin (TTM) 25.70% 25.39% Jack Henry & Associates, Inc.
EBITDA Margin (TTM) 25.70% 25.39% Jack Henry & Associates, Inc.
Return on Equity 24.28% 13.54% Jack Henry & Associates, Inc.
Return on Assets (TTM) 13.35% 4.77% Jack Henry & Associates, Inc.
Free Cash Flow (TTM) $410.34M $5.06B Fiserv Inc.
Dividend Yield 1.72% N/A N/A
1-Year Return -28.40% -67.32% Jack Henry & Associates, Inc.
Price-to-Sales Ratio (TTM) 4.57 1.62 Fiserv Inc.
Enterprise Value $11.26B $63.59B Fiserv Inc.
EV/Revenue Ratio 4.57 3.01 Fiserv Inc.
Gross Profit Margin (TTM) 43.33% 58.86% Fiserv Inc.
Revenue per Share (TTM) $34 $38 Fiserv Inc.
Earnings per Share (Diluted) $6.97 $6.47 Jack Henry & Associates, Inc.
Beta (Stock Volatility) 0.72 0.79 Jack Henry & Associates, Inc.
Short % of Float 7.04% 1.44% Fiserv Inc.

Jack Henry & Associates, Inc. vs Fiserv Inc. Stock Performance Analysis

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JKHY
FI

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Jack Henry & Associates, Inc.1.65%3.15%-4.76%-22.11%-30.54%-26.91%
Fiserv Inc.-1.39%-3.29%-2.04%-10.38%-19.96%-18.77%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Jack Henry & Associates, Inc.-28.40%-21.59%-22.07%55.45%344.78%572.42%
Fiserv Inc.-67.32%-55.59%-50.46%2.03%248.24%385.25%

Performance & Financial Health Analysis: Jack Henry & Associates, Inc. vs Fiserv Inc.

MetricJKHYFI
Market Information
Market Cap i$10.90B$36.31B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i883,8876,336,620
90 Day Avg. Volume i919,0999,996,587
Last Close$130.35$53.28
52 Week Range$124.63 - $193.39$52.17 - $177.36
% from 52W High-32.60%-69.96%
All-Time High$212.62 (Aug 08, 2022)$238.59 (Mar 03, 2025)
% from All-Time High-38.69%-77.67%
Growth Metrics
Quarterly Revenue Growth0.08%0.01%
Quarterly Earnings Growth0.27%0.40%
Financial Health
Profit Margin (TTM) i0.21%0.17%
Operating Margin (TTM) i0.26%0.25%
Return on Equity (TTM) i0.24%0.14%
Debt to Equity (MRQ) i3.11120.58
Cash & Liquidity
Book Value per Share (MRQ)$30.53$46.78
Cash per Share (MRQ)$0.39$1.99
Operating Cash Flow (TTM) i$708.21M$6.34B
Levered Free Cash Flow (TTM) i$335.26M$4.19B
Dividends
Last 12-Month Dividend Yield i1.72%N/A
Last 12-Month Dividend i$2.93$0.00

Valuation & Enterprise Metrics Analysis: Jack Henry & Associates, Inc. vs Fiserv Inc.

MetricJKHY (Apr 24, 2026)FI (Jan 15, 2026)
Price Ratios
P/E Ratio (TTM) i22.319.86
Forward P/E i22.246.26
PEG Ratio i0.780.20
Price to Sales (TTM) i4.571.62
Price to Book (MRQ) i5.091.36
Market Capitalization
Market Capitalization i$10.90B$36.31B
Enterprise Value i$11.26B$63.59B
Enterprise Value Metrics
Enterprise to Revenue i4.573.01
Enterprise to EBITDA i16.176.92
Risk & Other Metrics
Beta i0.720.79
Book Value per Share (MRQ) i$30.53$46.78

Financial Statements Comparison: Jack Henry & Associates, Inc. vs Fiserv Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricJKHY (2025)FI (2024)
Revenue/Sales i2.38B20.46B
Cost of Goods Sold i1.36B8.01B
COGS % of Revenue i57.3%39.2%
Gross Profit i1.01B12.44B
Gross Margin i42.7%60.8%
Research & Development i162.77MN/A
Operating Income (EBIT) i568.72M5.88B
Operating Margin i23.9%28.7%
EBITDA i801.23M8.84B
EBITDA Margin i33.7%43.2%
Pre-Tax Income i586.04M4.51B
Pre-Tax Income % of Revenue i24.7%22.0%
Income Tax i130.29M641.00M
Income Tax % of Revenue i5.5%3.1%
Net Income (Profit) i455.75M3.18B
Profit Margin i19.2%15.5%

Balance Sheet & Liquidity Metrics

MetricJKHY (2025)FI (2024)
Cash & Equivalents i101.95M1.24B
Total Current Assets i681.46M23.48B
Total Current Assets % of Revenue i28.7%114.8%
Total Current Liabilities i535.78M22.16B
Total Current Liabilities % of Revenue i22.6%108.3%
Long-Term Debt iN/A23.73B
Long-Term Debt % of Revenue i0.0%116.0%
Total Shareholders Equity i2.13B27.69B
Retained Earnings i3.37B23.58B
Retained Earnings % of Revenue i142.0%115.2%
Property, Plant & Equipment i03.79B

Cash Flow Statement Comparison

MetricJKHY (2025)FI (2024)
Operating Cash Flow i693.59M6.07B
Operating Cash Flow % of Revenue i29.2%29.7%
Capital Expenditures iN/AN/A
Free Cash Flow i410.34M5.06B
FCF Margin i17.3%24.7%
Debt Repayment i-500.00M-5.40B
Common Stock Repurchase i-35.05M-5.84B

Short Interest & Institutional Ownership Analysis

MetricJKHYFI
Shares Short i4.44M7.66M
Short Ratio i4.821.61
Short % of Float i7.04%1.44%
Shares Outstanding i72.17M537.00M
Float Shares i71.67M533.64M
% Held by Insiders i0.60%0.73%
% Held by Institutions i105.18%90.43%
% Held by Public i-5.78%8.84%

Dividend Analysis & Yield Comparison: Jack Henry & Associates, Inc. vs Fiserv Inc.

MetricJKHYFI
Last 12-Month Dividend i$2.93$0.00
Last 12-Month Dividend Yield i1.72%N/A
3-Year Avg Annual Dividend i$2.40$0.00
3-Year Avg Dividend Yield i0.33%N/A
3-Year Total Dividends i$7.21$0.00
Ex-Dividend DateMar 05, 2026N/A