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GEN vs JKHY

GEN
Gen Digital Inc.
NEUTRAL
Price
$18.37
Market Cap
$11.33B
Sector
Technology
AI Confidence
85%
JKHY
Jack Henry & Associates, Inc.
BULLISH
Price
$147.20
Market Cap
$10.65B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
GEN
18.94
JKHY
21.09
Forward P/E
GEN
6.4
JKHY
21.05
P/B Ratio
GEN
4.77
JKHY
4.82
P/S Ratio
GEN
2.4
JKHY
4.32
EV/EBITDA
GEN
9.43
JKHY
15.31

Profitability

Gross Margin
GEN
78.84%
JKHY
43.84%
Operating Margin
GEN
35.81%
JKHY
25.7%
Profit Margin
GEN
12.76%
JKHY
20.59%
ROE
GEN
26.9%
JKHY
24.28%
ROA
GEN
7.17%
JKHY
13.35%

Growth

Revenue Growth
GEN
25.8%
JKHY
7.9%
Earnings Growth
GEN
20.1%
JKHY
28.4%

Financial Health

Debt/Equity
GEN
3.63
JKHY
0.03
Current Ratio
GEN
0.47
JKHY
1.6
Quick Ratio
GEN
0.36
JKHY
0.95

Dividends

Dividend Yield
GEN
2.72%
JKHY
1.6%
Payout Ratio
GEN
51.55%
JKHY
33.29%

AI Verdict

GEN NEUTRAL

GEN presents a stark contrast between strong growth fundamentals and deteriorating financial health and market sentiment. While the Piotroski F-Score of 4/9 indicates a stable but mediocre health profile, the current ratio of 0.47 and high debt-to-equity ratio of 3.63 signal significant short-term liquidity risks. Valuation is highly attractive on a forward basis (Forward P/E 6.40, PEG 0.47), but this is heavily offset by a bearish technical trend (0/100) and insider selling. The stock is currently trading near its 52-week low, suggesting the market is pricing in balance sheet fragility over growth potential.

Strengths
Exceptional gross margins of 78.84%
Strong ROE of 26.90% indicating efficient equity utilization
Robust revenue growth of 25.80% YoY
Risks
Severe liquidity risk with a current ratio of 0.47 (well below 1.0)
High leverage with a Debt/Equity ratio of 3.63
Strongly bearish technical trend (0/100) and 1-year price decline of 26.4%
JKHY BULLISH

JKHY exhibits exceptional fundamental strength, highlighted by a Piotroski F-Score of 8/9 and a near-zero Debt/Equity ratio of 0.03. While the technical trend is currently bearish (0/100) and the stock is trading well above its defensive Graham Number ($69.24), it remains significantly undervalued relative to its growth-based intrinsic value of $205.91. The company's track record of beating earnings estimates over 25 consecutive quarters provides high confidence in its operational execution. The current price dip represents a compelling entry point for long-term investors despite short-term momentum headwinds.

Strengths
Exceptional financial health with a Piotroski F-Score of 8/9
Negligible leverage with a Debt/Equity ratio of 0.03
Remarkable earnings consistency with beats in nearly all of the last 25 quarters
Risks
Severe bearish technical momentum (Technical Trend score of 0/100)
Bearish insider sentiment with $3.53M in net selling and zero buys
Modest top-line revenue growth (7.9% YoY) compared to earnings growth

Compare Another Pair

GEN vs JKHY: Head-to-Head Comparison

This page compares Gen Digital Inc. (GEN) and Jack Henry & Associates, Inc. (JKHY) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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