AFRM vs. JKHY: Affirm vs. Jack Henry & Associates Stock Comparison

Company Profile

Affirm (AFRM) and Jack Henry & Associates (JKHY) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Jack Henry & Associates (JKHY) has more than two decades of public-market history since November 20, 1985, whereas Affirm (AFRM) listed on January 13, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Affirm (AFRM) has a highly aggressive beta of 3.70, indicating much higher sensitivity to broad-market moves, while Jack Henry & Associates (JKHY) is defensive at 0.51 and tends to be less market-sensitive — a wide gap in beta profiles.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Capital efficiency shows on one side only: Affirm (AFRM) earns 44.49% on shareholders’ equity, ranked against its industry; Jack Henry & Associates (JKHY) has no ROE this period.

Affirm (AFRM) at 43.86% retains a top-quartile share of revenue as profit, ahead of Jack Henry & Associates (JKHY) at 19.96%, which keeps about the industry-typical share.

Both Affirm (AFRM) at 14.82% and Jack Henry & Associates (JKHY) at 29.52% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Affirm (AFRM) at 32.15% sits in the top revenue growth quartile, while Jack Henry & Associates (JKHY) at 7.12% is closer to the peer norm — faster top-line expansion for AFRM.

Affirm (AFRM) at 3,586.67% clears its industry range for EPS growth, a much stronger earnings trajectory than Jack Henry & Associates (JKHY) at 11.86%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Jack Henry & Associates (JKHY) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Affirm (AFRM) in Financial Services and Jack Henry & Associates (JKHY) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Affirm (AFRM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Jack Henry & Associates (JKHY) reports a yield of 1.34%, ranking against industry peers normally.

Affirm (AFRM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Jack Henry & Associates (JKHY) reports a payout of 33.10%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Affirm (AFRM) at 11.80 and Jack Henry & Associates (JKHY) at 23.80 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

Both Affirm (AFRM) at 5.03 and Jack Henry & Associates (JKHY) at 4.67 command a richer price per dollar of sales than most peers, sitting in the upper P/S ratio quartile of their industries.

Both Affirm (AFRM) at 4.01 and Jack Henry & Associates (JKHY) at 5.92 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics