JKHY vs. MCO: Jack Henry & Associates vs. Moody's Stock Comparison
How do Jack Henry & Associates (JKHY) and Moody's (MCO) 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 Moody's (MCO) both fall under the Financial Services industry group, but JKHY is classified in Financial Services while MCO is classified in Capital Markets.
| Profile Item | JKHY | MCO |
|---|---|---|
| Name | Jack Henry & Associates, Inc. | Moody's Corporation |
| 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 | Financial Exchanges & Data |
| Market Capitalization | 12.15 billion USD | 87.19 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | November 20, 1985 | October 31, 1994 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | JKHY | MCO |
|---|---|---|
| Total Return (1Y) | 9.28% | 5.02% |
| Total Return (3Y, Annualized) | 6.53% | 15.27% |
| Total Return (5Y, Annualized) | 3.04% | 6.21% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | JKHY | MCO |
|---|---|---|
| Volatility (1Y, Annualized) | 31.51% | 28.61% |
| Beta (5Y) | 0.51 | 1.28 |
| Max Drawdown (5Y) | -38.35% | -40.93% |
| Avg. Volume (3M) | 944.55K | 817.57K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | JKHY | MCO |
|---|---|---|
| Sharpe Ratio (1Y) | 0.16 | 0.03 |
| Sortino Ratio (1Y) | 0.23 | 0.04 |
Profitability
ROE (TTM)
Capital efficiency shows on one side only: Moody's (MCO) earns 76.74% 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
- --
MCO
Financial Services industry group
76.74%
- MCO
- 76.74%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Moody's (MCO) at 35.26% 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%
MCO
Financial Services industry group
35.26%
- Max
- 62.84%
- MCO
- 35.26%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Jack Henry & Associates (JKHY) at 29.52% and Moody's (MCO) at 46.27% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
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%
MCO
Financial Services industry group
46.27%
- Max
- 107.33%
- Q3
- 55.90%
- MCO
- 46.27%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | JKHY | MCO |
|---|---|---|
| ROE (TTM) | -- | 76.74% |
| ROA (TTM) | -- | 15.56% |
| Net Margin (TTM) | 19.96% | 35.26% |
| Operating Margin (TTM) | 29.52% | 46.27% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Jack Henry & Associates (JKHY) at 7.12% and Moody's (MCO) at 8.89% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both Jack Henry & Associates (JKHY) at 11.86% and Moody's (MCO) at 21.40% 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 | MCO |
|---|---|---|
| Revenue Growth (YoY) | 7.12% | 8.89% |
| Revenue Growth (3Y CAGR) | 6.99% | 12.17% |
| EPS Growth (YoY) | 11.86% | 21.40% |
| EPS Growth (3Y CAGR) | 11.61% | 22.48% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Jack Henry & Associates (JKHY) in Financial Services and Moody's (MCO) 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 Moody's (MCO) 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 | MCO |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Jack Henry & Associates (JKHY) at 1.34% and Moody's (MCO) at 0.78% 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%
MCO
Financial Services industry group
0.78%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- MCO
- 0.78%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Jack Henry & Associates (JKHY) at 33.10% and Moody's (MCO) at 24.59% 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%
MCO
Financial Services industry group
24.59%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- MCO
- 24.59%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | JKHY | MCO |
|---|---|---|
| Dividend Yield (TTM) | 1.34% | 0.78% |
| Dividend Payout Ratio (TTM) | 33.10% | 24.59% |
Valuation
P/E Ratio (TTM)
Jack Henry & Associates (JKHY) at 23.80 is near its industry’s usual P/E ratio, while Moody's (MCO) at 30.85 sits in the richer quartile — MCO 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
MCO
Financial Services industry group
30.85
- Max
- 45.85
- MCO
- 30.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
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 Moody's (MCO) at 10.66 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
MCO
Financial Services industry group
10.66
- MCO
- 10.66
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
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 Moody's (MCO) at 26.68 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
MCO
Financial Services industry group
26.68
- MCO
- 26.68
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | JKHY | MCO |
|---|---|---|
| P/E Ratio (TTM) | 23.80 | 30.85 |
| P/S Ratio (TTM) | 4.67 | 10.66 |
| P/B Ratio (MRQ) | 5.92 | 26.68 |
| Free Cash Flow Yield (TTM) | -- | -- |