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JKHY vs. PYPL: Jack Henry & Associates vs. PayPal Stock Comparison

How do Jack Henry & Associates (JKHY) and PayPal (PYPL) 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 PayPal (PYPL) 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 PayPal (PYPL)
Profile ItemJKHYPYPL
NameJack Henry & Associates, Inc.PayPal Holdings, Inc.
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 USD49.21 billion USD
CurrencyUSDUSD
ExchangeNasdaqNasdaq
Listing DateNovember 20, 1985July 6, 2015
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

JKHY
PYPL
GSPC
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Jack Henry & Associates (JKHY) vs. PayPal (PYPL), 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 PayPal (PYPL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Jack Henry & Associates (JKHY) and PayPal (PYPL). 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 PayPal (PYPL)
MetricJKHYPYPL
Total Return (1Y)9.28%-7.44%
Total Return (3Y, Annualized)6.53%4.14%
Total Return (5Y, Annualized)3.04%-21.48%

Risk Profile

Drawdown History

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

Risk Metrics

PayPal (PYPL) is heavily traded at around 11.78M 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 profile metrics for Jack Henry & Associates (JKHY) and PayPal (PYPL)
MetricJKHYPYPL
Volatility (1Y, Annualized)31.51%42.40%
Beta (5Y)0.511.28
Max Drawdown (5Y)-38.35%-81.84%
Avg. Volume (3M)944.55K11.78M

Risk-Adjusted Performance

Risk-Return Positioning

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JKHY and PYPL 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 PayPal (PYPL)
MetricJKHYPYPL
Sharpe Ratio (1Y)0.16-0.28
Sortino Ratio (1Y)0.23-0.37

Profitability

ROE (TTM)

Capital efficiency shows on one side only: PayPal (PYPL) earns 23.83% 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
--

PYPL

Financial Services industry group

23.83%

Max
44.78%
PYPL
23.83%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Jack Henry & Associates (JKHY) vs. PayPal (PYPL): JKHY does not report ROE, so it has no value marker; PYPL is benchmarked against the Financial Services industry group.

Net Margin (TTM)

Both Jack Henry & Associates (JKHY) at 19.96% and PayPal (PYPL) at 13.78% 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%

PYPL

Financial Services industry group

13.78%

Max
62.84%
Q3
28.05%
Median
15.36%
PYPL
13.78%
Q1
4.82%
Min
-28.52%
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Jack Henry & Associates (JKHY) vs. PayPal (PYPL): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Jack Henry & Associates (JKHY) at 29.52% and PayPal (PYPL) at 18.41% 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%

PYPL

Financial Services industry group

18.41%

Max
107.33%
Q3
55.90%
Median
30.09%
PYPL
18.41%
Q1
14.60%
Min
-44.34%
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Jack Henry & Associates (JKHY) vs. PayPal (PYPL): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Jack Henry & Associates (JKHY) and PayPal (PYPL)
MetricJKHYPYPL
ROE (TTM)--23.83%
ROA (TTM)--4.70%
Net Margin (TTM)19.96%13.78%
Operating Margin (TTM)29.52%18.41%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Jack Henry & Associates (JKHY) at 7.12% and PayPal (PYPL) at 4.32% 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. PayPal (PYPL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Jack Henry & Associates (JKHY) at 11.86% and PayPal (PYPL) at 35.59% 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. PayPal (PYPL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Jack Henry & Associates (JKHY) and PayPal (PYPL)
MetricJKHYPYPL
Revenue Growth (YoY)7.12%4.32%
Revenue Growth (3Y CAGR)6.99%6.43%
EPS Growth (YoY)11.86%35.59%
EPS Growth (3Y CAGR)11.61%37.30%

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

Both Jack Henry & Associates (JKHY) at 1.34% and PayPal (PYPL) at 0.95% 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%

PYPL

Financial Services industry group

0.95%

Max
9.77%
Q3
3.92%
Median
1.09%
PYPL
0.95%
Q1
0.00%
Min
0.00%
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Jack Henry & Associates (JKHY) vs. PayPal (PYPL): 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 PayPal (PYPL) at 10.69% 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%

PYPL

Financial Services industry group

10.69%

Max
241.07%
Q3
97.36%
Median
25.77%
PYPL
10.69%
Q1
0.00%
Min
0.00%
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Jack Henry & Associates (JKHY) vs. PayPal (PYPL): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Jack Henry & Associates (JKHY) and PayPal (PYPL)
MetricJKHYPYPL
Dividend Yield (TTM)1.34%0.95%
Dividend Payout Ratio (TTM)33.10%10.69%

Valuation

P/E Ratio (TTM)

Both Jack Henry & Associates (JKHY) at 23.80 and PayPal (PYPL) at 11.31 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

PYPL

Financial Services industry group

11.31

Max
45.85
Q3
24.64
Median
15.37
PYPL
11.31
Q1
9.68
Min
0.16
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Jack Henry & Associates (JKHY) vs. PayPal (PYPL): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

PayPal (PYPL) at 1.43 is priced about in line with its industry on P/S ratio, while Jack Henry & Associates (JKHY) at 4.67 sits in the pricier quartile — JKHY costs more per dollar of sales.

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

PYPL

Financial Services industry group

1.43

Max
9.23
Q3
4.57
Median
2.72
PYPL
1.43
Q1
1.28
Min
-0.55
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Jack Henry & Associates (JKHY) vs. PayPal (PYPL): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

PayPal (PYPL) at 2.55 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.

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

PYPL

Financial Services industry group

2.55

Max
7.79
Q3
3.63
PYPL
2.55
Median
1.57
Q1
0.81
Min
-0.39
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Jack Henry & Associates (JKHY) vs. PayPal (PYPL): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Jack Henry & Associates (JKHY) and PayPal (PYPL)
MetricJKHYPYPL
P/E Ratio (TTM)23.8011.31
P/S Ratio (TTM)4.671.43
P/B Ratio (MRQ)5.922.55
Free Cash Flow Yield (TTM)----