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JKHY vs. SCHW: Jack Henry & Associates vs. Charles Schwab Stock Comparison

How do Jack Henry & Associates (JKHY) and Charles Schwab (SCHW) 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 Charles Schwab (SCHW) both fall under the Financial Services industry group, but JKHY is classified in Financial Services while SCHW is classified in Capital Markets.

Company profile comparison for Jack Henry & Associates (JKHY) and Charles Schwab (SCHW)
Profile ItemJKHYSCHW
NameJack Henry & Associates, Inc.The Charles Schwab Corporation
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesInvestment Banking & Brokerage
Market Capitalization12.15 billion USD158.22 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateNovember 20, 1985September 22, 1987
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

JKHY
SCHW
GSPC
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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW), 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 Charles Schwab (SCHW). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Jack Henry & Associates (JKHY) and Charles Schwab (SCHW). 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 Charles Schwab (SCHW)
MetricJKHYSCHW
Total Return (1Y)9.28%-0.80%
Total Return (3Y, Annualized)6.53%21.35%
Total Return (5Y, Annualized)3.04%4.31%

Risk Profile

Drawdown History

JKHY
SCHW
GSPC
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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW), 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 Charles Schwab (SCHW). 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 Charles Schwab (SCHW)
MetricJKHYSCHW
Volatility (1Y, Annualized)31.51%26.01%
Beta (5Y)0.510.74
Max Drawdown (5Y)-38.35%-49.70%
Avg. Volume (3M)944.55K8.22M

Risk-Adjusted Performance

Risk-Return Positioning

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JKHY and SCHW 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 Charles Schwab (SCHW)
MetricJKHYSCHW
Sharpe Ratio (1Y)0.16-0.20
Sortino Ratio (1Y)0.23-0.26

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Charles Schwab (SCHW) earns 21.12% 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
--

SCHW

Financial Services industry group

21.12%

Max
44.78%
Q3
21.85%
SCHW
21.12%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW): JKHY does not report ROE, so it has no value marker; SCHW is benchmarked against the Financial Services industry group.

Net Margin (TTM)

Charles Schwab (SCHW) at 39.33% 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%

SCHW

Financial Services industry group

39.33%

Max
62.84%
SCHW
39.33%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW): 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 Charles Schwab (SCHW) at 52.67% 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%

SCHW

Financial Services industry group

52.67%

Max
107.33%
Q3
55.90%
SCHW
52.67%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Jack Henry & Associates (JKHY) and Charles Schwab (SCHW)
MetricJKHYSCHW
ROE (TTM)--21.12%
ROA (TTM)--2.16%
Net Margin (TTM)19.96%39.33%
Operating Margin (TTM)29.52%52.67%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Jack Henry & Associates (JKHY) at 7.12% and Charles Schwab (SCHW) at 22.01% 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. Charles Schwab (SCHW): A comparison of their Revenue Growth across different time periods.

EPS Growth

Charles Schwab (SCHW) at 55.52% 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 SCHW.

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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Jack Henry & Associates (JKHY) and Charles Schwab (SCHW)
MetricJKHYSCHW
Revenue Growth (YoY)7.12%22.01%
Revenue Growth (3Y CAGR)6.99%4.83%
EPS Growth (YoY)11.86%55.52%
EPS Growth (3Y CAGR)11.61%9.93%

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

Both Jack Henry & Associates (JKHY) at 1.34% and Charles Schwab (SCHW) at 1.33% 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%

SCHW

Financial Services industry group

1.33%

Max
9.77%
Q3
3.92%
SCHW
1.33%
Median
1.09%
Q1
0.00%
Min
0.00%
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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW): 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 Charles Schwab (SCHW) at 21.03% 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%

SCHW

Financial Services industry group

21.03%

Max
241.07%
Q3
97.36%
Median
25.77%
SCHW
21.03%
Q1
0.00%
Min
0.00%
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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Jack Henry & Associates (JKHY) and Charles Schwab (SCHW)
MetricJKHYSCHW
Dividend Yield (TTM)1.34%1.33%
Dividend Payout Ratio (TTM)33.10%21.03%

Valuation

P/E Ratio (TTM)

Both Jack Henry & Associates (JKHY) at 23.80 and Charles Schwab (SCHW) at 15.64 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

SCHW

Financial Services industry group

15.64

Max
45.85
Q3
24.64
SCHW
15.64
Median
15.37
Q1
9.68
Min
0.16
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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Both Jack Henry & Associates (JKHY) at 4.67 and Charles Schwab (SCHW) at 5.85 command a richer price per dollar of sales than most peers, sitting in the upper P/S ratio quartile of their industries.

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

SCHW

Financial Services industry group

5.85

Max
9.23
SCHW
5.85
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Charles Schwab (SCHW) at 3.08 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

SCHW

Financial Services industry group

3.08

Max
7.79
Q3
3.63
SCHW
3.08
Median
1.57
Q1
0.81
Min
-0.39
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Jack Henry & Associates (JKHY) vs. Charles Schwab (SCHW): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Jack Henry & Associates (JKHY) and Charles Schwab (SCHW)
MetricJKHYSCHW
P/E Ratio (TTM)23.8015.64
P/S Ratio (TTM)4.675.85
P/B Ratio (MRQ)5.923.08
Free Cash Flow Yield (TTM)----