Seek Returns

JKHY vs. UBS: Jack Henry & Associates vs. UBS Stock Comparison

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

Company profile comparison for Jack Henry & Associates (JKHY) and UBS (UBS)
Profile ItemJKHYUBS
NameJack Henry & Associates, Inc.UBS Group AG
Country/RegionUnited StatesSwitzerland
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesDiversified Capital Markets
Market Capitalization12.15 billion USD144.79 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateNovember 20, 1985May 16, 2000
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

JKHY
UBS
GSPC
Loading price history…
Jack Henry & Associates (JKHY) vs. UBS (UBS), 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

Loading price history…
Trailing total returns for Jack Henry & Associates (JKHY) and UBS (UBS). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Jack Henry & Associates (JKHY) and UBS (UBS). 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 UBS (UBS)
MetricJKHYUBS
Total Return (1Y)9.28%30.78%
Total Return (3Y, Annualized)6.53%29.39%
Total Return (5Y, Annualized)3.04%25.00%

Risk Profile

Drawdown History

JKHY
UBS
GSPC
Loading price history…
Jack Henry & Associates (JKHY) vs. UBS (UBS), 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

Loading price history…
Distribution of monthly total returns for Jack Henry & Associates (JKHY) and UBS (UBS). 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 UBS (UBS)
MetricJKHYUBS
Volatility (1Y, Annualized)31.51%27.78%
Beta (5Y)0.511.15
Max Drawdown (5Y)-38.35%-32.48%
Avg. Volume (3M)944.55K1.93M

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
JKHY and UBS 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 UBS (UBS)
MetricJKHYUBS
Sharpe Ratio (1Y)0.160.95
Sortino Ratio (1Y)0.231.44

Profitability

ROE (TTM)

Neither Jack Henry & Associates (JKHY) nor UBS (UBS) reports a ROE value for this period, so a direct comparison isn’t possible.

JKHY

Financial Services industry group

--

Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
JKHY
--

UBS

Financial Services industry group

--

Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
UBS
--
Loading chart…
Jack Henry & Associates (JKHY) vs. UBS (UBS): Neither stock reports ROE, so the chart shows available benchmark boxes without value markers.

Net Margin (TTM)

Both Jack Henry & Associates (JKHY) at 19.96% and UBS (UBS) at 18.18% 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%

UBS

Financial Services industry group

18.18%

Max
62.84%
Q3
28.05%
UBS
18.18%
Median
15.36%
Q1
4.82%
Min
-28.52%
Loading chart…
Jack Henry & Associates (JKHY) vs. UBS (UBS): 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 UBS (UBS) at 27.10% 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%

UBS

Financial Services industry group

27.10%

Max
107.33%
Q3
55.90%
Median
30.09%
UBS
27.10%
Q1
14.60%
Min
-44.34%
Loading chart…
Jack Henry & Associates (JKHY) vs. UBS (UBS): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Jack Henry & Associates (JKHY) and UBS (UBS)
MetricJKHYUBS
ROE (TTM)----
ROA (TTM)----
Net Margin (TTM)19.96%18.18%
Operating Margin (TTM)29.52%27.10%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Jack Henry & Associates (JKHY) at 7.12% and UBS (UBS) at 4.30% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Loading chart…
Jack Henry & Associates (JKHY) vs. UBS (UBS): A comparison of their Revenue Growth across different time periods.

EPS Growth

UBS (UBS) at 55.26% 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 UBS.

Loading chart…
Jack Henry & Associates (JKHY) vs. UBS (UBS): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Jack Henry & Associates (JKHY) and UBS (UBS)
MetricJKHYUBS
Revenue Growth (YoY)7.12%4.30%
Revenue Growth (3Y CAGR)6.99%12.44%
EPS Growth (YoY)11.86%55.26%
EPS Growth (3Y CAGR)11.61%1.60%

Financial Strength

Current Ratio (MRQ)

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

Dividends

Dividend Yield (TTM)

UBS (UBS) 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.

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%

UBS

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
UBS
0.00%
Q1
0.00%
Min
0.00%
Loading chart…
Jack Henry & Associates (JKHY) vs. UBS (UBS): 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 UBS (UBS) at 36.30% 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%

UBS

Financial Services industry group

36.30%

Max
241.07%
Q3
97.36%
UBS
36.30%
Median
25.77%
Q1
0.00%
Min
0.00%
Loading chart…
Jack Henry & Associates (JKHY) vs. UBS (UBS): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Jack Henry & Associates (JKHY) and UBS (UBS)
MetricJKHYUBS
Dividend Yield (TTM)1.34%0.00%
Dividend Payout Ratio (TTM)33.10%36.30%

Valuation

P/E Ratio (TTM)

Both Jack Henry & Associates (JKHY) at 23.80 and UBS (UBS) at 15.77 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

UBS

Financial Services industry group

15.77

Max
45.85
Q3
24.64
UBS
15.77
Median
15.37
Q1
9.68
Min
0.16
Loading chart…
Jack Henry & Associates (JKHY) vs. UBS (UBS): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

UBS (UBS) at 2.71 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

UBS

Financial Services industry group

2.71

Max
9.23
Q3
4.57
Median
2.72
UBS
2.71
Q1
1.28
Min
-0.55
Loading chart…
Jack Henry & Associates (JKHY) vs. UBS (UBS): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

UBS (UBS) at 1.64 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

UBS

Financial Services industry group

1.64

Max
7.79
Q3
3.63
UBS
1.64
Median
1.57
Q1
0.81
Min
-0.39
Loading chart…
Jack Henry & Associates (JKHY) vs. UBS (UBS): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Jack Henry & Associates (JKHY) and UBS (UBS)
MetricJKHYUBS
P/E Ratio (TTM)23.8015.77
P/S Ratio (TTM)4.672.71
P/B Ratio (MRQ)5.921.64
Free Cash Flow Yield (TTM)----