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JKHY vs MSFT

JKHY
Jack Henry & Associates, Inc.
BULLISH
Price
$147.20
Market Cap
$10.65B
Sector
Technology
AI Confidence
85%
MSFT
Microsoft Corporation
BULLISH
Price
$374.33
Market Cap
$2.78T
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
JKHY
21.09
MSFT
23.42
Forward P/E
JKHY
21.05
MSFT
19.86
P/B Ratio
JKHY
4.82
MSFT
7.11
P/S Ratio
JKHY
4.32
MSFT
9.11
EV/EBITDA
JKHY
15.31
MSFT
16.05

Profitability

Gross Margin
JKHY
43.84%
MSFT
68.59%
Operating Margin
JKHY
25.7%
MSFT
47.09%
Profit Margin
JKHY
20.59%
MSFT
39.04%
ROE
JKHY
24.28%
MSFT
34.39%
ROA
JKHY
13.35%
MSFT
14.86%

Growth

Revenue Growth
JKHY
7.9%
MSFT
16.7%
Earnings Growth
JKHY
28.4%
MSFT
59.8%

Financial Health

Debt/Equity
JKHY
0.03
MSFT
0.32
Current Ratio
JKHY
1.6
MSFT
1.39
Quick Ratio
JKHY
0.95
MSFT
1.24

Dividends

Dividend Yield
JKHY
1.6%
MSFT
0.97%
Payout Ratio
JKHY
33.29%
MSFT
21.28%

AI Verdict

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
MSFT BULLISH

Microsoft exhibits strong fundamental health with a Piotroski F-Score of 7/9, indicating robust financial stability. While the stock is currently experiencing a severe technical downtrend (0/100) and significant 6-month price depreciation (-28.6%), the current price of $374.33 sits well below the growth-based intrinsic value of $471.41 and the analyst target of $587.31. Exceptional earnings growth (59.8% YoY) and high operating margins (47.09%) suggest that the current price correction presents a value opportunity despite bearish insider sentiment.

Strengths
Strong financial health evidenced by a Piotroski F-Score of 7/9
Exceptional profitability with a 39.04% profit margin and 47.09% operating margin
Robust earnings growth (59.8% YoY) and consistent history of beating estimates
Risks
Severe short-term technical bearishness (0/100 trend score)
Bearish insider activity with $32.64M in net sales over the last 6 months
High Price-to-Book ratio (7.11) indicating a premium over book value

Compare Another Pair

JKHY vs MSFT: Head-to-Head Comparison

This page compares Jack Henry & Associates, Inc. (JKHY) and Microsoft Corporation (MSFT) 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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