JKHY vs. LPLA: Jack Henry & Associates vs. LPL Financial Stock Comparison
How do Jack Henry & Associates (JKHY) and LPL Financial (LPLA) 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
Jack Henry & Associates (JKHY) and LPL Financial (LPLA) both fall under the Financial Services industry group, but JKHY is classified in Financial Services while LPLA is classified in Capital Markets.
| Profile Item | JKHY | LPLA |
|---|---|---|
| Name | Jack Henry & Associates, Inc. | LPL Financial Holdings Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Capital Markets |
| GICS Sub-Industry | Transaction & Payment Processing Services | Investment Banking & Brokerage |
| Market Capitalization | 12.15 billion USD | 23.01 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | November 20, 1985 | November 18, 2010 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | JKHY | LPLA |
|---|---|---|
| Total Return (1Y) | 9.28% | -17.27% |
| Total Return (3Y, Annualized) | 6.53% | 11.10% |
| Total Return (5Y, Annualized) | 3.04% | 13.92% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | JKHY | LPLA |
|---|---|---|
| Volatility (1Y, Annualized) | 31.51% | 39.22% |
| Beta (5Y) | 0.51 | 0.52 |
| Max Drawdown (5Y) | -38.35% | -33.18% |
| Avg. Volume (3M) | 944.55K | 855.76K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | JKHY | LPLA |
|---|---|---|
| Sharpe Ratio (1Y) | 0.16 | -0.55 |
| Sortino Ratio (1Y) | 0.23 | -0.70 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: LPL Financial (LPLA) earns 25.66% on shareholders’ equity, ranked against its industry; Jack Henry & Associates (JKHY) has no ROE this period.
JKHY
Financial Services industry group
--
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
- JKHY
- --
LPLA
Financial Services industry group
25.66%
- Max
- 44.78%
- LPLA
- 25.66%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Both Jack Henry & Associates (JKHY) at 19.96% and LPL Financial (LPLA) at 6.97% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
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%
LPLA
Financial Services industry group
6.97%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- LPLA
- 6.97%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Jack Henry & Associates (JKHY) at 29.52% runs core operations around its industry’s norm, while LPL Financial (LPLA) at 10.85% operates in the bottom quartile.
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%
LPLA
Financial Services industry group
10.85%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- LPLA
- 10.85%
- Min
- -44.34%
Profitability Metrics
| Metric | JKHY | LPLA |
|---|---|---|
| ROE (TTM) | -- | 25.66% |
| ROA (TTM) | -- | 7.35% |
| Net Margin (TTM) | 19.96% | 6.97% |
| Operating Margin (TTM) | 29.52% | 10.85% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
LPL Financial (LPLA) at 37.18% 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 LPLA.
EPS Growth
Both Jack Henry & Associates (JKHY) at 11.86% and LPL Financial (LPLA) at -22.17% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | JKHY | LPLA |
|---|---|---|
| Revenue Growth (YoY) | 7.12% | 37.18% |
| Revenue Growth (3Y CAGR) | 6.99% | 25.47% |
| EPS Growth (YoY) | 11.86% | -22.17% |
| EPS Growth (3Y CAGR) | 11.61% | 1.64% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Jack Henry & Associates (JKHY) in Financial Services and LPL Financial (LPLA) 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: Jack Henry & Associates (JKHY) in Financial Services and LPL Financial (LPLA) 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
| Metric | JKHY | LPLA |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Jack Henry & Associates (JKHY) at 1.34% and LPL Financial (LPLA) at 0.40% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
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%
LPLA
Financial Services industry group
0.40%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- LPLA
- 0.40%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Jack Henry & Associates (JKHY) at 33.10% and LPL Financial (LPLA) at 6.88% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
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%
LPLA
Financial Services industry group
6.88%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- LPLA
- 6.88%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | JKHY | LPLA |
|---|---|---|
| Dividend Yield (TTM) | 1.34% | 0.40% |
| Dividend Payout Ratio (TTM) | 33.10% | 6.88% |
Valuation
P/E Ratio (TTM)
Both Jack Henry & Associates (JKHY) at 23.80 and LPL Financial (LPLA) at 16.93 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
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
LPLA
Financial Services industry group
16.93
- Max
- 45.85
- Q3
- 24.64
- LPLA
- 16.93
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
LPL Financial (LPLA) at 1.15 looks cheap on sales in the lower P/S ratio quartile, while Jack Henry & Associates (JKHY) at 4.67 looks rich in the upper quartile — a clear gap in price per dollar of revenue.
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
LPLA
Financial Services industry group
1.15
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- LPLA
- 1.15
- Min
- -0.55
P/B Ratio (MRQ)
Both Jack Henry & Associates (JKHY) at 5.92 and LPL Financial (LPLA) at 3.98 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.
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
LPLA
Financial Services industry group
3.98
- Max
- 7.79
- LPLA
- 3.98
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | JKHY | LPLA |
|---|---|---|
| P/E Ratio (TTM) | 23.80 | 16.93 |
| P/S Ratio (TTM) | 4.67 | 1.15 |
| P/B Ratio (MRQ) | 5.92 | 3.98 |
| Free Cash Flow Yield (TTM) | -- | -- |