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CPAY vs. JKHY: Corpay vs. Jack Henry & Associates Stock Comparison

How do Corpay (CPAY) and Jack Henry & Associates (JKHY) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Corpay (CPAY) 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.

Company profile comparison for Corpay (CPAY) and Jack Henry & Associates (JKHY)
Profile ItemCPAYJKHY
NameCorpay Inc.Jack Henry & Associates, Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesFinancial Services
GICS Sub-IndustryTransaction & Payment Processing ServicesTransaction & Payment Processing Services
Market Capitalization29.12 billion USD12.15 billion USD
CurrencyUSDUSD
ExchangeNYSENasdaq
Listing DateDecember 15, 2010November 20, 1985
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CPAY
JKHY
GSPC
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Corpay (CPAY) vs. Jack Henry & Associates (JKHY), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Corpay (CPAY) and Jack Henry & Associates (JKHY). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Corpay (CPAY) and Jack Henry & Associates (JKHY). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Corpay (CPAY) and Jack Henry & Associates (JKHY)
MetricCPAYJKHY
Total Return (1Y)65.09%9.28%
Total Return (3Y, Annualized)25.90%6.53%
Total Return (5Y, Annualized)13.34%3.04%

Risk Profile

Drawdown History

CPAY
JKHY
GSPC
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Corpay (CPAY) vs. Jack Henry & Associates (JKHY), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Corpay (CPAY) and Jack Henry & Associates (JKHY). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Corpay (CPAY) and Jack Henry & Associates (JKHY)
MetricCPAYJKHY
Volatility (1Y, Annualized)36.03%31.51%
Beta (5Y)0.870.51
Max Drawdown (5Y)-37.33%-38.35%
Avg. Volume (3M)489.47K944.55K

Risk-Adjusted Performance

Risk-Return Positioning

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CPAY and JKHY are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Corpay (CPAY) and Jack Henry & Associates (JKHY)
MetricCPAYJKHY
Sharpe Ratio (1Y)1.690.16
Sortino Ratio (1Y)2.830.23

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Corpay (CPAY) earns 32.21% on shareholders’ equity, ranked against its industry; Jack Henry & Associates (JKHY) has no ROE this period.

CPAY

Financial Services industry group

32.21%

Max
44.78%
CPAY
32.21%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%

JKHY

Financial Services industry group

--

Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
JKHY
--
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Corpay (CPAY) vs. Jack Henry & Associates (JKHY): JKHY does not report ROE, so it has no value marker; CPAY is benchmarked against the Financial Services industry group.

Net Margin (TTM)

Both Corpay (CPAY) at 23.73% and Jack Henry & Associates (JKHY) at 19.96% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

CPAY

Financial Services industry group

23.73%

Max
62.84%
Q3
28.05%
CPAY
23.73%
Median
15.36%
Q1
4.82%
Min
-28.52%

JKHY

Financial Services industry group

19.96%

Max
62.84%
Q3
28.05%
JKHY
19.96%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Corpay (CPAY) vs. Jack Henry & Associates (JKHY): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Corpay (CPAY) at 49.15% and Jack Henry & Associates (JKHY) at 29.52% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

CPAY

Financial Services industry group

49.15%

Max
107.33%
Q3
55.90%
CPAY
49.15%
Median
30.09%
Q1
14.60%
Min
-44.34%

JKHY

Financial Services industry group

29.52%

Max
107.33%
Q3
55.90%
Median
30.09%
JKHY
29.52%
Q1
14.60%
Min
-44.34%
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Corpay (CPAY) vs. Jack Henry & Associates (JKHY): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Corpay (CPAY) and Jack Henry & Associates (JKHY)
MetricCPAYJKHY
ROE (TTM)32.21%--
ROA (TTM)6.80%--
Net Margin (TTM)23.73%19.96%
Operating Margin (TTM)49.15%29.52%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Corpay (CPAY) at 13.93% and Jack Henry & Associates (JKHY) at 7.12% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Corpay (CPAY) vs. Jack Henry & Associates (JKHY): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Corpay (CPAY) at 7.59% and Jack Henry & Associates (JKHY) at 11.86% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

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Corpay (CPAY) vs. Jack Henry & Associates (JKHY): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Corpay (CPAY) and Jack Henry & Associates (JKHY)
MetricCPAYJKHY
Revenue Growth (YoY)13.93%7.12%
Revenue Growth (3Y CAGR)9.73%6.99%
EPS Growth (YoY)7.59%11.86%
EPS Growth (3Y CAGR)6.56%11.61%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Corpay (CPAY) 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 / Equity (MRQ)

debt-to-equity ratio is set aside for both: Corpay (CPAY) 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

Financial strength metrics for Corpay (CPAY) and Jack Henry & Associates (JKHY)
MetricCPAYJKHY
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Corpay (CPAY) 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.

CPAY

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
CPAY
0.00%
Q1
0.00%
Min
0.00%

JKHY

Financial Services industry group

1.34%

Max
9.77%
Q3
3.92%
JKHY
1.34%
Median
1.09%
Q1
0.00%
Min
0.00%
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Corpay (CPAY) vs. Jack Henry & Associates (JKHY): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Corpay (CPAY) 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.

CPAY

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
CPAY
0.00%
Q1
0.00%
Min
0.00%

JKHY

Financial Services industry group

33.10%

Max
241.07%
Q3
97.36%
JKHY
33.10%
Median
25.77%
Q1
0.00%
Min
0.00%
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Corpay (CPAY) vs. Jack Henry & Associates (JKHY): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Corpay (CPAY) and Jack Henry & Associates (JKHY)
MetricCPAYJKHY
Dividend Yield (TTM)0.00%1.34%
Dividend Payout Ratio (TTM)0.00%33.10%

Valuation

P/E Ratio (TTM)

Jack Henry & Associates (JKHY) at 23.80 is near its industry’s usual P/E ratio, while Corpay (CPAY) at 25.02 sits in the richer quartile — CPAY needs stronger growth or earnings quality to justify the premium.

CPAY

Financial Services industry group

25.02

Max
45.85
CPAY
25.02
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16

JKHY

Financial Services industry group

23.80

Max
45.85
Q3
24.64
JKHY
23.80
Median
15.37
Q1
9.68
Min
0.16
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Corpay (CPAY) vs. Jack Henry & Associates (JKHY): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Both Corpay (CPAY) at 5.57 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.

CPAY

Financial Services industry group

5.57

Max
9.23
CPAY
5.57
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55

JKHY

Financial Services industry group

4.67

Max
9.23
JKHY
4.67
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Corpay (CPAY) vs. Jack Henry & Associates (JKHY): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Both look rich against book: Jack Henry & Associates (JKHY) at 5.92 sits in the upper P/B ratio quartile, and Corpay (CPAY) at 8.89 prices even higher, above its industry range.

CPAY

Financial Services industry group

8.89

CPAY
8.89
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39

JKHY

Financial Services industry group

5.92

Max
7.79
JKHY
5.92
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Corpay (CPAY) vs. Jack Henry & Associates (JKHY): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Corpay (CPAY) and Jack Henry & Associates (JKHY)
MetricCPAYJKHY
P/E Ratio (TTM)25.0223.80
P/S Ratio (TTM)5.574.67
P/B Ratio (MRQ)8.895.92
Free Cash Flow Yield (TTM)----