JKHY vs. SNOW: A Head-to-Head Stock Comparison

Updated on August 30, 2025

Here’s a clear look at JKHY and SNOW, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	JKHY	SNOW
Company Name	Jack Henry & Associates, Inc.	Snowflake Inc.
Country	United States	United States
GICS Sector	Financials	Information Technology
GICS Industry	Financial Services	IT Services
Market Capitalization	11.90 billion USD	79.63 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	November 20, 1985	September 16, 2020
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of JKHY and SNOW by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

JKHY vs. SNOW: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	JKHY	SNOW
5-Day Price Return	0.98%	22.59%
13-Week Price Return	-9.34%	17.97%
26-Week Price Return	-6.20%	45.35%
52-Week Price Return	-6.04%	113.93%
Month-to-Date Return	-3.86%	6.78%
Year-to-Date Return	-6.87%	54.56%
10-Day Avg. Volume	0.86M	9.69M
3-Month Avg. Volume	0.64M	5.05M
3-Month Volatility	18.89%	51.09%
Beta	0.80	1.25

Profitability

Return on Equity (TTM)

JKHY

22.07%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

In the upper quartile for the Financial Services industry, JKHY’s Return on Equity of 22.07% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

SNOW

-44.88%

IT Services Industry

Max: 29.51%
Q3: 16.98%
Median: 13.47%
Q1: 7.93%
Min: -3.97%

SNOW has a negative Return on Equity of -44.88%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

JKHY vs. SNOW: A comparison of their Return on Equity (TTM) against their respective Financial Services and IT Services industry benchmarks.

Net Profit Margin (TTM)

JKHY

19.19%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

JKHY’s Net Profit Margin of 19.19% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

SNOW

-36.43%

IT Services Industry

Max: 19.82%
Q3: 11.49%
Median: 6.67%
Q1: 3.61%
Min: -4.62%

SNOW has a negative Net Profit Margin of -36.43%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

JKHY vs. SNOW: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and IT Services industry benchmarks.

Operating Profit Margin (TTM)

JKHY

23.94%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

JKHY’s Operating Profit Margin of 23.94% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

SNOW

-41.37%

IT Services Industry

Max: 21.69%
Q3: 14.50%
Median: 10.06%
Q1: 6.98%
Min: 0.06%

SNOW has a negative Operating Profit Margin of -41.37%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

JKHY vs. SNOW: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and IT Services industry benchmarks.

Profitability at a Glance

Symbol	JKHY	SNOW
Return on Equity (TTM)	22.07%	-44.88%
Return on Assets (TTM)	14.68%	-17.30%
Net Profit Margin (TTM)	19.19%	-36.43%
Operating Profit Margin (TTM)	23.94%	-41.37%
Gross Profit Margin (TTM)	42.71%	66.58%

Financial Strength

Current Ratio (MRQ)

JKHY

1.36

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SNOW

1.58

IT Services Industry

Max: 2.42
Q3: 1.81
Median: 1.47
Q1: 1.09
Min: 0.44

SNOW’s Current Ratio of 1.58 aligns with the median group of the IT Services industry, indicating that its short-term liquidity is in line with its sector peers.

JKHY vs. SNOW: A comparison of their Current Ratio (MRQ) against their respective Financial Services and IT Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

JKHY

0.08

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

SNOW

0.94

IT Services Industry

Max: 2.33
Q3: 1.17
Median: 0.54
Q1: 0.15
Min: 0.00

SNOW’s Debt-to-Equity Ratio of 0.94 is typical for the IT Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

JKHY vs. SNOW: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and IT Services industry benchmarks.

Interest Coverage Ratio (TTM)

JKHY

78.80

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

SNOW

IT Services Industry

Max: 144.50
Q3: 84.49
Median: 13.76
Q1: 2.59
Min: -28.13

Interest Coverage Ratio data for SNOW is currently unavailable.

JKHY vs. SNOW: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

Financial Strength at a Glance

Symbol	JKHY	SNOW
Current Ratio (MRQ)	1.36	1.58
Quick Ratio (MRQ)	1.01	1.50
Debt-to-Equity Ratio (MRQ)	0.08	0.94
Interest Coverage Ratio (TTM)	78.80	--

Growth

Revenue Growth

JKHY vs. SNOW: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

JKHY vs. SNOW: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

JKHY

1.35%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

JKHY’s Dividend Yield of 1.35% is consistent with its peers in the Financial Services industry, providing a dividend return that is standard for its sector.

SNOW

0.00%

IT Services Industry

Max: 2.80%
Q3: 1.74%
Median: 0.62%
Q1: 0.00%
Min: 0.00%

SNOW currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

JKHY vs. SNOW: A comparison of their Dividend Yield (TTM) against their respective Financial Services and IT Services industry benchmarks.

Dividend Payout Ratio (TTM)

JKHY

37.87%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

JKHY’s Dividend Payout Ratio of 37.87% is within the typical range for the Financial Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

SNOW

0.00%

IT Services Industry

Max: 147.75%
Q3: 63.58%
Median: 24.63%
Q1: 0.00%
Min: 0.00%

SNOW has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

JKHY vs. SNOW: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

Dividend at a Glance

Symbol	JKHY	SNOW
Dividend Yield (TTM)	1.35%	0.00%
Dividend Payout Ratio (TTM)	37.87%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

JKHY

26.34

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

JKHY’s P/E Ratio of 26.34 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

SNOW

IT Services Industry

Max: 41.55
Q3: 31.54
Median: 23.25
Q1: 18.12
Min: 6.57

P/E Ratio data for SNOW is currently unavailable.

JKHY vs. SNOW: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

Price-to-Sales Ratio (TTM)

JKHY

5.05

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

SNOW

16.88

IT Services Industry

Max: 6.61
Q3: 4.37
Median: 2.02
Q1: 1.20
Min: 0.19

With a P/S Ratio of 16.88, SNOW trades at a valuation that eclipses even the highest in the IT Services industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

JKHY vs. SNOW: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

Price-to-Book Ratio (MRQ)

JKHY

6.54

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

JKHY’s P/B Ratio of 6.54 is in the upper tier for the Financial Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

SNOW

22.13

IT Services Industry

Max: 11.19
Q3: 6.38
Median: 3.47
Q1: 2.31
Min: 0.96

At 22.13, SNOW’s P/B Ratio is at an extreme premium to the IT Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

JKHY vs. SNOW: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and IT Services industry benchmarks.

Valuation at a Glance

Symbol	JKHY	SNOW
Price-to-Earnings Ratio (TTM)	26.34	--
Price-to-Sales Ratio (TTM)	5.05	16.88
Price-to-Book Ratio (MRQ)	6.54	22.13
Price-to-Free Cash Flow Ratio (TTM)	39.66	88.05