JKHY vs. NLY: Jack Henry & Associates vs. Annaly Capital Management Stock Comparison

Company Profile

Jack Henry & Associates (JKHY) and Annaly Capital Management (NLY) both fall under the Financial Services industry group, but JKHY is classified in Financial Services while NLY is classified in Mortgage Real Estate Investment Trusts (REITs).

Jack Henry & Associates (JKHY) is an ordinary operating company, while Annaly Capital Management (NLY) is a REIT — read its payout ratio and P/E alongside FFO (funds from operations) rather than comparing them directly to JKHY’s multiples.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Annaly Capital Management (NLY) is heavily traded at around 10.28M shares per day, whereas Jack Henry & Associates (JKHY) sees a more moderate 944.55K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Capital efficiency shows on one side only: Annaly Capital Management (NLY) earns 7.35% on shareholders’ equity, ranked against its industry; Jack Henry & Associates (JKHY) has no ROE this period.

Annaly Capital Management (NLY) at 80.27% converts revenue to bottom-line profit above its industry’s benchmark range, while Jack Henry & Associates (JKHY) at 19.96% keeps roughly the typical share for its industry.

Annaly Capital Management (NLY) at 107.33% operates in the top operating margin quartile, ahead of Jack Henry & Associates (JKHY) at 29.52%, which runs around its industry’s norm.

Profitability Metrics

Growth

Annaly Capital Management (NLY) at 87.29% clears its industry range for revenue growth, far stronger top-line momentum than Jack Henry & Associates (JKHY) at 7.12%, which is closer to a typical peer reading.

Annaly Capital Management (NLY) at 80.25% 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 NLY.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Jack Henry & Associates (JKHY) in Financial Services and Annaly Capital Management (NLY) 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-to-equity ratio is set aside for both: Jack Henry & Associates (JKHY) in Financial Services and Annaly Capital Management (NLY) 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

Dividends

Jack Henry & Associates (JKHY) at 1.34% pays an industry-typical yield; Annaly Capital Management (NLY) at 15.38% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Annaly Capital Management (NLY) reports payout ratio above 100% at 201.39%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Jack Henry & Associates (JKHY) reports 33.10%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Jack Henry & Associates (JKHY) at 23.80 and Annaly Capital Management (NLY) at 13.02 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

Both look expensive on sales: Jack Henry & Associates (JKHY) at 4.67 sits in the upper P/S ratio quartile, and Annaly Capital Management (NLY) at 10.62 prices even higher, above its industry range.

Annaly Capital Management (NLY) at 1.05 is valued about in line with its industry on P/B ratio, while Jack Henry & Associates (JKHY) at 5.92 carries an above-peer premium to book — JKHY is pricier on assets.

Valuation Metrics