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BSY vs. JKHY: A Head-to-Head Stock Comparison

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Here’s a clear look at BSY and JKHY, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolBSYJKHY
Company NameBentley Systems, IncorporatedJack Henry & Associates, Inc.
CountryUnited StatesUnited States
GICS SectorInformation TechnologyFinancials
GICS IndustrySoftwareFinancial Services
Market Capitalization16.28 billion USD11.93 billion USD
ExchangeNasdaqGSNasdaqGS
Listing DateSeptember 23, 2020November 20, 1985
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of BSY and JKHY by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

BSY vs. JKHY: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolBSYJKHY
5-Day Price Return2.55%2.86%
13-Week Price Return11.36%-11.12%
26-Week Price Return15.93%-3.91%
52-Week Price Return6.84%-0.18%
Month-to-Date Return-7.86%-3.54%
Year-to-Date Return14.39%-6.56%
10-Day Avg. Volume1.98M1.02M
3-Month Avg. Volume1.66M0.62M
3-Month Volatility19.77%18.97%
Beta1.100.80

Profitability

Return on Equity (TTM)

BSY

23.47%

Software Industry

Max
59.01%
Q3
21.98%
Median
7.15%
Q1
-11.12%
Min
-51.24%

In the upper quartile for the Software industry, BSY’s Return on Equity of 23.47% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

JKHY

22.07%

Financial Services Industry

Max
40.58%
Q3
20.06%
Median
10.67%
Q1
4.19%
Min
-10.31%

In the upper quartile for the Financial Services industry, JKHY’s Return on Equity of 22.07% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

BSY vs. JKHY: A comparison of their Return on Equity (TTM) against their respective Software and Financial Services industry benchmarks.

Net Profit Margin (TTM)

BSY

17.91%

Software Industry

Max
48.14%
Q3
18.23%
Median
5.60%
Q1
-9.22%
Min
-49.36%

BSY’s Net Profit Margin of 17.91% is aligned with the median group of its peers in the Software industry. This indicates its ability to convert revenue into profit is typical for the sector.

JKHY

19.19%

Financial Services Industry

Max
52.86%
Q3
25.58%
Median
12.23%
Q1
6.64%
Min
-9.92%

JKHY’s Net Profit Margin of 19.19% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

BSY vs. JKHY: A comparison of their Net Profit Margin (TTM) against their respective Software and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

BSY

23.22%

Software Industry

Max
57.34%
Q3
20.60%
Median
7.84%
Q1
-8.72%
Min
-51.37%

An Operating Profit Margin of 23.22% places BSY in the upper quartile for the Software industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

JKHY

23.94%

Financial Services Industry

Max
77.28%
Q3
37.68%
Median
18.17%
Q1
9.27%
Min
-8.19%

JKHY’s Operating Profit Margin of 23.94% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

BSY vs. JKHY: A comparison of their Operating Profit Margin (TTM) against their respective Software and Financial Services industry benchmarks.

Profitability at a Glance

SymbolBSYJKHY
Return on Equity (TTM)23.47%22.07%
Return on Assets (TTM)7.47%14.68%
Net Profit Margin (TTM)17.91%19.19%
Operating Profit Margin (TTM)23.22%23.94%
Gross Profit Margin (TTM)81.18%42.71%

Financial Strength

Current Ratio (MRQ)

BSY

0.51

Software Industry

Max
3.83
Q3
2.31
Median
1.45
Q1
1.03
Min
0.24

BSY’s Current Ratio of 0.51 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.

JKHY

1.36

Financial Services Industry

Max
4.58
Q3
2.59
Median
1.33
Q1
0.69
Min
0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BSY vs. JKHY: A comparison of their Current Ratio (MRQ) against their respective Software and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BSY

1.07

Software Industry

Max
2.14
Q3
0.90
Median
0.29
Q1
0.00
Min
0.00

BSY’s leverage is in the upper quartile of the Software industry, with a Debt-to-Equity Ratio of 1.07. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.

JKHY

0.08

Financial Services Industry

Max
4.96
Q3
2.10
Median
0.57
Q1
0.12
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

BSY vs. JKHY: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Software and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

BSY

15.21

Software Industry

Max
67.02
Q3
19.86
Median
0.70
Q1
-12.50
Min
-53.00

BSY’s Interest Coverage Ratio of 15.21 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.

JKHY

78.80

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

BSY vs. JKHY: A comparison of their Interest Coverage Ratio (TTM) against their respective Software and Financial Services industry benchmarks.

Financial Strength at a Glance

SymbolBSYJKHY
Current Ratio (MRQ)0.511.36
Quick Ratio (MRQ)0.441.01
Debt-to-Equity Ratio (MRQ)1.070.08
Interest Coverage Ratio (TTM)15.2178.80

Growth

Revenue Growth

BSY vs. JKHY: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BSY vs. JKHY: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BSY

0.48%

Software Industry

Max
0.08%
Q3
0.03%
Median
0.00%
Q1
0.00%
Min
0.00%

BSY’s Dividend Yield of 0.48% is exceptionally high, placing it well above the typical range for the Software industry. While this may seem attractive, an unusually high yield can sometimes be a warning sign, reflecting a falling stock price or market concerns about the dividend’s sustainability.

JKHY

1.35%

Financial Services Industry

Max
8.18%
Q3
3.60%
Median
1.56%
Q1
0.00%
Min
0.00%

JKHY’s Dividend Yield of 1.35% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

BSY vs. JKHY: A comparison of their Dividend Yield (TTM) against their respective Software and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

BSY

30.97%

Software Industry

Max
1.32%
Q3
0.53%
Median
0.00%
Q1
0.00%
Min
0.00%

At 30.97%, BSY’s Dividend Payout Ratio is exceptionally high, exceeding the typical range for the Software industry. While this provides a significant return to shareholders, it may limit funds for reinvestment and could be difficult to sustain.

JKHY

37.87%

Financial Services Industry

Max
155.56%
Q3
63.71%
Median
18.08%
Q1
0.00%
Min
0.00%

JKHY’s Dividend Payout Ratio of 37.87% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

BSY vs. JKHY: A comparison of their Dividend Payout Ratio (TTM) against their respective Software and Financial Services industry benchmarks.

Dividend at a Glance

SymbolBSYJKHY
Dividend Yield (TTM)0.48%1.35%
Dividend Payout Ratio (TTM)30.97%37.87%

Valuation

Price-to-Earnings Ratio (TTM)

BSY

63.90

Software Industry

Max
149.35
Q3
100.21
Median
47.97
Q1
26.77
Min
11.68

BSY’s P/E Ratio of 63.90 is within the middle range for the Software industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

JKHY

26.34

Financial Services Industry

Max
63.23
Q3
32.10
Median
14.41
Q1
10.81
Min
0.37

JKHY’s P/E Ratio of 26.34 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

BSY vs. JKHY: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Software and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

BSY

11.45

Software Industry

Max
25.24
Q3
13.52
Median
8.15
Q1
4.87
Min
0.98

BSY’s P/S Ratio of 11.45 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

JKHY

5.05

Financial Services Industry

Max
11.16
Q3
5.45
Median
2.61
Q1
1.25
Min
0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

BSY vs. JKHY: A comparison of their Price-to-Sales Ratio (TTM) against their respective Software and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

BSY

14.09

Software Industry

Max
30.95
Q3
14.91
Median
7.75
Q1
3.60
Min
0.38

BSY’s P/B Ratio of 14.09 is within the conventional range for the Software industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

JKHY

6.54

Financial Services Industry

Max
7.09
Q3
3.79
Median
1.46
Q1
0.83
Min
0.04

JKHY’s P/B Ratio of 6.54 is in the upper tier for the Financial Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

BSY vs. JKHY: A comparison of their Price-to-Book Ratio (MRQ) against their respective Software and Financial Services industry benchmarks.

Valuation at a Glance

SymbolBSYJKHY
Price-to-Earnings Ratio (TTM)63.9026.34
Price-to-Sales Ratio (TTM)11.455.05
Price-to-Book Ratio (MRQ)14.096.54
Price-to-Free Cash Flow Ratio (TTM)37.4639.66