JKHY vs. WSE: Jack Henry & Associates vs. Wise Stock Comparison

Company Profile

Jack Henry & Associates (JKHY) and Wise (WSE) 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.

Jack Henry & Associates (JKHY) has been public since November 20, 1985, giving it decades of market history across multiple cycles, while Wise (WSE) listed only on May 11, 2026 and lacks comparable through-cycle data.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Wise (WSE) has an aggressive beta of 1.56, indicating higher sensitivity to broad-market moves, while Jack Henry & Associates (JKHY) is defensive at 0.51 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk-Adjusted Performance

Risk-Return Positioning

Both JKHY and WSE need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Capital efficiency shows on one side only: Wise (WSE) earns 27.23% 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 Wise (WSE) at 19.93% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Wise (WSE) at 59.77% operates in the top operating margin quartile, ahead of Jack Henry & Associates (JKHY) at 29.52%, which runs around its industry’s norm.

Profitability Metrics

Growth

Both Jack Henry & Associates (JKHY) at 7.12% and Wise (WSE) at 17.14% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Jack Henry & Associates (JKHY) at 11.86% and Wise (WSE) at -5.78% 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 Wise (WSE) 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 Wise (WSE) 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

Wise (WSE) 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.

Wise (WSE) 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

Both Jack Henry & Associates (JKHY) at 23.80 and Wise (WSE) at 23.23 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

Wise (WSE) at 4.30 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.

Both Jack Henry & Associates (JKHY) at 5.92 and Wise (WSE) at 5.94 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics