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JKHY vs. MA: Jack Henry & Associates vs. Mastercard Stock Comparison

How do Jack Henry & Associates (JKHY) and Mastercard (MA) 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 Mastercard (MA) 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 Jack Henry & Associates (JKHY) and Mastercard (MA)
Profile ItemJKHYMA
NameJack Henry & Associates, Inc.Mastercard Inc. Class A Common Stock
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 Capitalization12.15 billion USD568.62 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateNovember 20, 1985May 25, 2006
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

JKHY
MA
GSPC
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Jack Henry & Associates (JKHY) vs. Mastercard (MA), 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 Jack Henry & Associates (JKHY) and Mastercard (MA). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Jack Henry & Associates (JKHY) and Mastercard (MA)
MetricJKHYMA
Total Return (1Y)9.28%20.00%
Total Return (3Y, Annualized)6.53%19.98%
Total Return (5Y, Annualized)3.04%14.49%

Risk Profile

Drawdown History

JKHY
MA
GSPC
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Jack Henry & Associates (JKHY) vs. Mastercard (MA), 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 Jack Henry & Associates (JKHY) and Mastercard (MA). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Jack Henry & Associates (JKHY) and Mastercard (MA)
MetricJKHYMA
Volatility (1Y, Annualized)31.51%23.57%
Beta (5Y)0.510.76
Max Drawdown (5Y)-38.35%-28.25%
Avg. Volume (3M)944.55K2.98M

Risk-Adjusted Performance

Risk-Return Positioning

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JKHY and MA 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 Jack Henry & Associates (JKHY) and Mastercard (MA)
MetricJKHYMA
Sharpe Ratio (1Y)0.160.67
Sortino Ratio (1Y)0.231.00

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Mastercard (MA) earns 231.37% 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
--

MA

Financial Services industry group

231.37%

MA
231.37%
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Jack Henry & Associates (JKHY) vs. Mastercard (MA): JKHY does not report ROE, so it has no value marker; MA is benchmarked against the Financial Services industry group.

Net Margin (TTM)

Mastercard (MA) at 46.73% 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.

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%

MA

Financial Services industry group

46.73%

Max
62.84%
MA
46.73%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Jack Henry & Associates (JKHY) vs. Mastercard (MA): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Mastercard (MA) at 60.53% operates in the top operating margin quartile, ahead of Jack Henry & Associates (JKHY) at 29.52%, which runs around its industry’s norm.

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%

MA

Financial Services industry group

60.53%

Max
107.33%
MA
60.53%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Jack Henry & Associates (JKHY) vs. Mastercard (MA): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Jack Henry & Associates (JKHY) and Mastercard (MA)
MetricJKHYMA
ROE (TTM)--231.37%
ROA (TTM)--24.45%
Net Margin (TTM)19.96%46.73%
Operating Margin (TTM)29.52%60.53%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Jack Henry & Associates (JKHY) at 7.12% and Mastercard (MA) at 16.42% 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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Jack Henry & Associates (JKHY) vs. Mastercard (MA): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Jack Henry & Associates (JKHY) at 11.86% and Mastercard (MA) at 18.93% 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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Jack Henry & Associates (JKHY) vs. Mastercard (MA): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Jack Henry & Associates (JKHY) and Mastercard (MA)
MetricJKHYMA
Revenue Growth (YoY)7.12%16.42%
Revenue Growth (3Y CAGR)6.99%13.82%
EPS Growth (YoY)11.86%18.93%
EPS Growth (3Y CAGR)11.61%17.36%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Jack Henry & Associates (JKHY) in Financial Services and Mastercard (MA) 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 Mastercard (MA) 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 Jack Henry & Associates (JKHY) and Mastercard (MA)
MetricJKHYMA
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Both Jack Henry & Associates (JKHY) at 1.34% and Mastercard (MA) at 0.53% 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%

MA

Financial Services industry group

0.53%

Max
9.77%
Q3
3.92%
Median
1.09%
MA
0.53%
Q1
0.00%
Min
0.00%
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Jack Henry & Associates (JKHY) vs. Mastercard (MA): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both Jack Henry & Associates (JKHY) at 33.10% and Mastercard (MA) at 17.63% 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%

MA

Financial Services industry group

17.63%

Max
241.07%
Q3
97.36%
Median
25.77%
MA
17.63%
Q1
0.00%
Min
0.00%
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Jack Henry & Associates (JKHY) vs. Mastercard (MA): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Jack Henry & Associates (JKHY) and Mastercard (MA)
MetricJKHYMA
Dividend Yield (TTM)1.34%0.53%
Dividend Payout Ratio (TTM)33.10%17.63%

Valuation

P/E Ratio (TTM)

Jack Henry & Associates (JKHY) at 23.80 is near its industry’s usual P/E ratio, while Mastercard (MA) at 34.15 sits in the richer quartile — MA needs stronger growth or earnings quality to justify the premium.

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

MA

Financial Services industry group

34.15

Max
45.85
MA
34.15
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Jack Henry & Associates (JKHY) vs. Mastercard (MA): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Both look expensive on sales: Jack Henry & Associates (JKHY) at 4.67 sits in the upper P/S ratio quartile, and Mastercard (MA) at 15.67 prices even higher, above its industry range.

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

MA

Financial Services industry group

15.67

MA
15.67
Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Jack Henry & Associates (JKHY) vs. Mastercard (MA): 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 Mastercard (MA) at 84.30 prices even higher, above its industry range.

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

MA

Financial Services industry group

84.30

MA
84.30
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Jack Henry & Associates (JKHY) vs. Mastercard (MA): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Jack Henry & Associates (JKHY) and Mastercard (MA)
MetricJKHYMA
P/E Ratio (TTM)23.8034.15
P/S Ratio (TTM)4.6715.67
P/B Ratio (MRQ)5.9284.30
Free Cash Flow Yield (TTM)----