JKHY vs. SOFI: Jack Henry & Associates vs. SoFi Stock Comparison

Company Profile

Jack Henry & Associates (JKHY) and SoFi (SOFI) both fall under the Financial Services industry group, but JKHY is classified in Financial Services while SOFI is classified in Consumer Finance.

Jack Henry & Associates (JKHY) has more than two decades of public-market history since November 20, 1985, whereas SoFi (SOFI) listed on January 4, 2021 and has a much shorter record to draw on.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

SoFi (SOFI) has a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, while Jack Henry & Associates (JKHY) is defensive at 0.51 and tends to be less market-sensitive — a wide gap in beta profiles.

SoFi (SOFI) is heavily traded at around 48.09M 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: SoFi (SOFI) earns 7.35% 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 SoFi (SOFI) at 15.75% 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 SoFi (SOFI) at 23.19% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

SoFi (SOFI) at 38.32% sits in the top revenue growth quartile, while Jack Henry & Associates (JKHY) at 7.12% is closer to the peer norm — faster top-line expansion for SOFI.

Both Jack Henry & Associates (JKHY) at 11.86% and SoFi (SOFI) at 0.00% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

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

SoFi (SOFI) 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.

SoFi (SOFI) 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

Jack Henry & Associates (JKHY) at 23.80 is near its industry’s usual P/E ratio, while SoFi (SOFI) at 29.47 sits in the richer quartile — SOFI needs stronger growth or earnings quality to justify the premium.

SoFi (SOFI) at 4.49 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.

SoFi (SOFI) at 1.86 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