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FRHC vs. JKHY: Freedom vs. Jack Henry & Associates Stock Comparison

How do Freedom (FRHC) 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

Freedom (FRHC) and Jack Henry & Associates (JKHY) both fall under the Financial Services industry group, but FRHC is classified in Capital Markets while JKHY is classified in Financial Services.

Company profile comparison for Freedom (FRHC) and Jack Henry & Associates (JKHY)
Profile ItemFRHCJKHY
NameFreedom Holding Corp.Jack Henry & Associates, Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryCapital MarketsFinancial Services
GICS Sub-IndustryInvestment Banking & BrokerageTransaction & Payment Processing Services
Market Capitalization11.41 billion USD12.15 billion USD
CurrencyUSDUSD
ExchangeNasdaqNasdaq
Listing DateFebruary 7, 2018November 20, 1985
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

FRHC
JKHY
GSPC
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Freedom (FRHC) 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 Freedom (FRHC) and Jack Henry & Associates (JKHY). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Freedom (FRHC) 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 Freedom (FRHC) and Jack Henry & Associates (JKHY)
MetricFRHCJKHY
Total Return (1Y)18.04%9.28%
Total Return (3Y, Annualized)28.04%6.53%
Total Return (5Y, Annualized)18.95%3.04%

Risk Profile

Drawdown History

FRHC
JKHY
GSPC
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Freedom (FRHC) 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 Freedom (FRHC) 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 Freedom (FRHC) and Jack Henry & Associates (JKHY)
MetricFRHCJKHY
Volatility (1Y, Annualized)47.01%31.51%
Beta (5Y)0.710.51
Max Drawdown (5Y)-45.80%-38.35%
Avg. Volume (3M)108.35K944.55K

Risk-Adjusted Performance

Risk-Return Positioning

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FRHC 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 Freedom (FRHC) and Jack Henry & Associates (JKHY)
MetricFRHCJKHY
Sharpe Ratio (1Y)0.290.16
Sortino Ratio (1Y)0.450.23

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Freedom (FRHC) earns 10.68% on shareholders’ equity, ranked against its industry; Jack Henry & Associates (JKHY) has no ROE this period.

FRHC

Financial Services industry group

10.68%

Max
44.78%
Q3
21.85%
Median
12.91%
FRHC
10.68%
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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Freedom (FRHC) vs. Jack Henry & Associates (JKHY): JKHY does not report ROE, so it has no value marker; FRHC is benchmarked against the Financial Services industry group.

Net Margin (TTM)

Both Freedom (FRHC) at 8.43% 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.

FRHC

Financial Services industry group

8.43%

Max
62.84%
Q3
28.05%
Median
15.36%
FRHC
8.43%
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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Freedom (FRHC) vs. Jack Henry & Associates (JKHY): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Jack Henry & Associates (JKHY) at 29.52% runs core operations around its industry’s norm, while Freedom (FRHC) at 5.01% operates in the bottom quartile.

FRHC

Financial Services industry group

5.01%

Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
FRHC
5.01%
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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Freedom (FRHC) vs. Jack Henry & Associates (JKHY): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Freedom (FRHC) and Jack Henry & Associates (JKHY)
MetricFRHCJKHY
ROE (TTM)10.68%--
ROA (TTM)1.24%--
Net Margin (TTM)8.43%19.96%
Operating Margin (TTM)5.01%29.52%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Freedom (FRHC) at 8.97% 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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Freedom (FRHC) vs. Jack Henry & Associates (JKHY): A comparison of their Revenue Growth across different time periods.

EPS Growth

Freedom (FRHC) at 98.93% sits in the top EPS growth quartile, while Jack Henry & Associates (JKHY) at 11.86% is closer to the peer norm — faster per-share earnings growth for FRHC.

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

Growth Metrics

Growth metrics for Freedom (FRHC) and Jack Henry & Associates (JKHY)
MetricFRHCJKHY
Revenue Growth (YoY)8.97%7.12%
Revenue Growth (3Y CAGR)39.61%6.99%
EPS Growth (YoY)98.93%11.86%
EPS Growth (3Y CAGR)-10.08%11.61%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Freedom (FRHC) 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: Freedom (FRHC) 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 Freedom (FRHC) and Jack Henry & Associates (JKHY)
MetricFRHCJKHY
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Freedom (FRHC) 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.

FRHC

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
FRHC
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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Freedom (FRHC) vs. Jack Henry & Associates (JKHY): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Freedom (FRHC) 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.

FRHC

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
FRHC
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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Freedom (FRHC) vs. Jack Henry & Associates (JKHY): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Freedom (FRHC) and Jack Henry & Associates (JKHY)
MetricFRHCJKHY
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 Freedom (FRHC) at 70.97 sits above its peer range — an unusually expensive price for FRHC’s trailing earnings.

FRHC

Financial Services industry group

70.97

FRHC
70.97
Max
45.85
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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Freedom (FRHC) vs. Jack Henry & Associates (JKHY): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Both Freedom (FRHC) at 6.51 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.

FRHC

Financial Services industry group

6.51

Max
9.23
FRHC
6.51
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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Freedom (FRHC) vs. Jack Henry & Associates (JKHY): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Both Freedom (FRHC) at 7.16 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.

FRHC

Financial Services industry group

7.16

Max
7.79
FRHC
7.16
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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Freedom (FRHC) vs. Jack Henry & Associates (JKHY): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Freedom (FRHC) and Jack Henry & Associates (JKHY)
MetricFRHCJKHY
P/E Ratio (TTM)70.9723.80
P/S Ratio (TTM)6.514.67
P/B Ratio (MRQ)7.165.92
Free Cash Flow Yield (TTM)----