JKHY vs. PAYP: Jack Henry & Associates vs. PayPay Stock Comparison

Company Profile

Jack Henry & Associates (JKHY) and PayPay (PAYP) 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.

Jack Henry & Associates (JKHY) has been public since November 20, 1985, giving it decades of market history across multiple cycles, while PayPay (PAYP) listed only on March 12, 2026 and lacks comparable through-cycle data.

Jack Henry & Associates (JKHY) trades as ordinary local shares, while PayPay (PAYP) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Both JKHY and PAYP need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Capital efficiency shows on one side only: PayPay (PAYP) earns 18.80% on shareholders’ equity, ranked against its industry; Jack Henry & Associates (JKHY) has no ROE this period.

Both Jack Henry & Associates (JKHY) at 19.96% and PayPay (PAYP) at 15.85% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Both Jack Henry & Associates (JKHY) at 29.52% and PayPay (PAYP) at 32.79% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Both Jack Henry & Associates (JKHY) at 7.12% and PayPay (PAYP) at 25.85% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

PayPay (PAYP) at 230.06% clears its industry range for EPS growth, a much stronger earnings trajectory than Jack Henry & Associates (JKHY) at 11.86%, which is closer to a typical peer reading.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Jack Henry & Associates (JKHY) in Financial Services and PayPay (PAYP) 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 PayPay (PAYP) 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

PayPay (PAYP) 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.

PayPay (PAYP) 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.

Dividend Metrics

Valuation

Both Jack Henry & Associates (JKHY) at 23.80 and PayPay (PAYP) at 23.30 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

PayPay (PAYP) at 0.02 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.

Both Jack Henry & Associates (JKHY) at 5.92 and PayPay (PAYP) at 3.75 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics