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Valuation, margins, and growth side by side.

Compare $JKHY vs $PAY | Chartloom

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$JKHY vs $PAY

Jack Henry & Associates Inc · Paymentus Holdings Inc

JKHY

Jack Henry & Associates Inc

PAY

Paymentus Holdings Inc

Compare $JKHY vs $PAY

Comparing Jack Henry & Associates Inc and Paymentus Holdings Inc

JKHYJack Henry & Associates Inc

PAYPaymentus Holdings Inc

JKHYJack Henry & Associates Inc

Market cap

$10.88B

P/E (TTM)

21.58x

Forward P/E (NTM)

20.33x

Forward P/S (NTM)

3.96x

Rev growth (TTM)

7.1%

YTD performance

-14.2%

52W performance

1.0%

FCF yield

4.7%

PAYPaymentus Holdings Inc

Market cap

$4.01B

P/E (TTM)

48.45x

Forward P/E (NTM)

31.80x

Forward P/S (NTM)

2.52x

Rev growth (TTM)

30.2%

YTD performance

11.9%

52W performance

5.2%

FCF yield

3.0%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

JKHY

PAY

Detailed metrics comparison

JKHY

Jack Henry & Associates Inc

PAY

Paymentus Holdings Inc

Market Cap

JKHY$10.88B

PAY$4.01B

Enterprise Value

JKHY$10.90B

PAY$3.63B

Price

JKHY$153.08

PAY$31.87

P/E Ratio

JKHY21.58x

PAY48.45x

P/S Ratio

JKHY4.27x

PAY2.95x

EV/Sales

JKHY4.29x

PAY2.67x

EV/EBITDA

JKHY12.82x

PAY25.53x

P/B Ratio

JKHY5.10x

PAY6.55x

P/FCF Ratio

JKHY21.47x

PAY33.02x

EV/FCF

JKHY21.53x

PAY29.91x

PEG Ratio

JKHY2.46x

PAY0.95x

Forward P/E (NTM)

JKHY20.33x

PAY31.80x

Forward P/S (NTM)

JKHY3.96x

PAY2.52x

Revenue (TTM)

JKHY$2.54B

PAY$1.36B

Revenue Growth (YoY)

JKHY7.1%

PAY30.2%

Forward Rev Growth

JKHY6.8%

PAY17.5%

Gross Margin (TTM)

JKHY43.7%

PAY24.9%

Operating Margin (TTM)

JKHY25.0%

PAY7.6%

EBITDA Margin (TTM)

JKHY33.3%

PAY10.5%

Net Margin (TTM)

JKHY19.8%

PAY6.2%

FCF Margin (TTM)

JKHY19.9%

PAY8.9%

Net Income (TTM)

JKHY$503M

PAY$85M

FCF (TTM)

JKHY$507M

PAY$121M

EPS (TTM)

JKHY$7.09

PAY$0.66

ROE (TTM)

JKHY23.5%

PAY14.8%

ROA (TTM)

JKHY16.4%

PAY12.4%

ROIC (TTM)

JKHY23.0%

PAY14.8%

Cash

JKHY$12M

PAY$378M

Debt

JKHY$40M

PAY$0

Net Cash/Debt

JKHY$-28M

PAY$378M

Current Ratio (TTM)

JKHY1.17x

PAY4.89x

Quick Ratio (TTM)

JKHY0.89x

PAY4.81x

Debt/Equity (TTM)

JKHY0.02x

PAY0.00x

Debt/Assets (TTM)

JKHY0.0%

PAY0.0%

Interest Coverage (TTM)

JKHYN/A

PAYN/A

Net Debt/EBITDA (TTM)

JKHY0.00x

PAY0.00x

Beta

JKHY0.57

PAY1.42

52W Performance

JKHY1.0%

PAY5.2%

YTD Performance

JKHY-14.2%

PAY11.9%

% from 52W High

JKHY-20.8%

PAY-29.7%

% from 52W Low

JKHY26.5%

PAY58.5%

Asset Turnover (TTM)

JKHY0.83x

PAY1.99x

FCF Yield (TTM)

JKHY4.7%

PAY3.0%

Earnings Yield (TTM)

JKHY4.6%

PAY2.1%

Dividend Yield (TTM)

JKHY1.6%

PAYN/A

Rule of 40

JKHY27.0

PAY39.1

EV/GP/RG

JKHY1.24

PAY0.63

Ticker research

View JKHY research View PAY research

Metric	JKHY Jack Henry & Associates Inc	PAY Paymentus Holdings Inc
Market & Valuation
Market Cap	$10.88B	$4.01B
Enterprise Value	$10.90B	$3.63B
Price	$153.08	$31.87
P/E Ratio	21.58x	48.45x
P/S Ratio	4.27x	2.95x
EV/Sales	4.29x	2.67x
EV/EBITDA	12.82x	25.53x
P/B Ratio	5.10x	6.55x
P/FCF Ratio	21.47x	33.02x
EV/FCF	21.53x	29.91x
PEG Ratio	2.46x	0.95x
Forward P/E (NTM)	20.33x	31.80x
Forward P/S (NTM)	3.96x	2.52x
Revenue & Growth
Revenue (TTM)	$2.54B	$1.36B
Revenue Growth (YoY)	7.1%	30.2%
Forward Rev Growth	6.8%	17.5%
Profitability
Gross Margin (TTM)	43.7%	24.9%
Operating Margin (TTM)	25.0%	7.6%
EBITDA Margin (TTM)	33.3%	10.5%
Net Margin (TTM)	19.8%	6.2%
FCF Margin (TTM)	19.9%	8.9%
Net Income (TTM)	$503M	$85M
FCF (TTM)	$507M	$121M
EPS (TTM)	$7.09	$0.66
ROE (TTM)	23.5%	14.8%
ROA (TTM)	16.4%	12.4%
ROIC (TTM)	23.0%	14.8%
Financial Health
Cash	$12M	$378M
Debt	$40M	$0
Net Cash/Debt	$-28M	$378M
Current Ratio (TTM)	1.17x	4.89x
Quick Ratio (TTM)	0.89x	4.81x
Debt/Equity (TTM)	0.02x	0.00x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	0.57	1.42
52W Performance	1.0%	5.2%
YTD Performance	-14.2%	11.9%
% from 52W High	-20.8%	-29.7%
% from 52W Low	26.5%	58.5%
Efficiency & Yields
Asset Turnover (TTM)	0.83x	1.99x
FCF Yield (TTM)	4.7%	3.0%
Earnings Yield (TTM)	4.6%	2.1%
Dividend Yield (TTM)	1.6%	N/A
Other
Rule of 40	27.0	39.1
EV/GP/RG	1.24	0.63
Ticker research	View JKHY research	View PAY research

Valuation

P/E Ratio

JKHY

21.58x

PAY

48.45x

P/S Ratio

PAY

2.95x

JKHY

4.27x

EV/FCF

JKHY

21.53x

PAY

29.91x

Growth & revenue

Revenue Growth TTM

PAY

30.2%

JKHY

7.1%

Forward Revenue Growth

PAY

17.5%

JKHY

6.8%

Profitability & performance

Gross Margin

JKHY

43.7%

PAY

24.9%

ROE

JKHY

23.5%

PAY

14.8%

FCF Yield %

JKHY

4.7%

PAY

3.0%

52-Week Performance

PAY

5.2%

JKHY

1.0%

Detailed metrics comparison

JKHY

Jack Henry & Associates Inc

PAY

Paymentus Holdings Inc

Market Cap

JKHY$10.88B

PAY$4.01B

Enterprise Value

JKHY$10.90B

PAY$3.63B

Price

JKHY$153.08

PAY$31.87

P/E Ratio

JKHY21.58x

PAY48.45x

P/S Ratio

JKHY4.27x

PAY2.95x

EV/Sales

JKHY4.29x

PAY2.67x

EV/EBITDA

JKHY12.82x

PAY25.53x

P/B Ratio

JKHY5.10x

PAY6.55x

P/FCF Ratio

JKHY21.47x

PAY33.02x

EV/FCF

JKHY21.53x

PAY29.91x

PEG Ratio

JKHY2.46x

PAY0.95x

Forward P/E (NTM)

JKHY20.33x

PAY31.80x

Forward P/S (NTM)

JKHY3.96x

PAY2.52x

Revenue (TTM)

JKHY$2.54B

PAY$1.36B

Revenue Growth (YoY)

JKHY7.1%

PAY30.2%

Forward Rev Growth

JKHY6.8%

PAY17.5%

Gross Margin (TTM)

JKHY43.7%

PAY24.9%

Operating Margin (TTM)

JKHY25.0%

PAY7.6%

EBITDA Margin (TTM)

JKHY33.3%

PAY10.5%

Net Margin (TTM)

JKHY19.8%

PAY6.2%

FCF Margin (TTM)

JKHY19.9%

PAY8.9%

Net Income (TTM)

JKHY$503M

PAY$85M

FCF (TTM)

JKHY$507M

PAY$121M

EPS (TTM)

JKHY$7.09

PAY$0.66

ROE (TTM)

JKHY23.5%

PAY14.8%

ROA (TTM)

JKHY16.4%

PAY12.4%

ROIC (TTM)

JKHY23.0%

PAY14.8%

Cash

JKHY$12M

PAY$378M

Debt

JKHY$40M

PAY$0

Net Cash/Debt

JKHY$-28M

PAY$378M

Current Ratio (TTM)

JKHY1.17x

PAY4.89x

Quick Ratio (TTM)

JKHY0.89x

PAY4.81x

Debt/Equity (TTM)

JKHY0.02x

PAY0.00x

Debt/Assets (TTM)

JKHY0.0%

PAY0.0%

Interest Coverage (TTM)

JKHYN/A

PAYN/A

Net Debt/EBITDA (TTM)

JKHY0.00x

PAY0.00x

Beta

JKHY0.57

PAY1.42

52W Performance

JKHY1.0%

PAY5.2%

YTD Performance

JKHY-14.2%

PAY11.9%

% from 52W High

JKHY-20.8%

PAY-29.7%

% from 52W Low

JKHY26.5%

PAY58.5%

Asset Turnover (TTM)

JKHY0.83x

PAY1.99x

FCF Yield (TTM)

JKHY4.7%

PAY3.0%

Earnings Yield (TTM)

JKHY4.6%

PAY2.1%

Dividend Yield (TTM)

JKHY1.6%

PAYN/A

Rule of 40

JKHY27.0

PAY39.1

EV/GP/RG

JKHY1.24

PAY0.63

Ticker research

View JKHY research View PAY research

Metric	JKHY Jack Henry & Associates Inc	PAY Paymentus Holdings Inc
Market & Valuation
Market Cap	$10.88B	$4.01B
Enterprise Value	$10.90B	$3.63B
Price	$153.08	$31.87
P/E Ratio	21.58x	48.45x
P/S Ratio	4.27x	2.95x
EV/Sales	4.29x	2.67x
EV/EBITDA	12.82x	25.53x
P/B Ratio	5.10x	6.55x
P/FCF Ratio	21.47x	33.02x
EV/FCF	21.53x	29.91x
PEG Ratio	2.46x	0.95x
Forward P/E (NTM)	20.33x	31.80x
Forward P/S (NTM)	3.96x	2.52x
Revenue & Growth
Revenue (TTM)	$2.54B	$1.36B
Revenue Growth (YoY)	7.1%	30.2%
Forward Rev Growth	6.8%	17.5%
Profitability
Gross Margin (TTM)	43.7%	24.9%
Operating Margin (TTM)	25.0%	7.6%
EBITDA Margin (TTM)	33.3%	10.5%
Net Margin (TTM)	19.8%	6.2%
FCF Margin (TTM)	19.9%	8.9%
Net Income (TTM)	$503M	$85M
FCF (TTM)	$507M	$121M
EPS (TTM)	$7.09	$0.66
ROE (TTM)	23.5%	14.8%
ROA (TTM)	16.4%	12.4%
ROIC (TTM)	23.0%	14.8%
Financial Health
Cash	$12M	$378M
Debt	$40M	$0
Net Cash/Debt	$-28M	$378M
Current Ratio (TTM)	1.17x	4.89x
Quick Ratio (TTM)	0.89x	4.81x
Debt/Equity (TTM)	0.02x	0.00x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	0.57	1.42
52W Performance	1.0%	5.2%
YTD Performance	-14.2%	11.9%
% from 52W High	-20.8%	-29.7%
% from 52W Low	26.5%	58.5%
Efficiency & Yields
Asset Turnover (TTM)	0.83x	1.99x
FCF Yield (TTM)	4.7%	3.0%
Earnings Yield (TTM)	4.6%	2.1%
Dividend Yield (TTM)	1.6%	N/A
Other
Rule of 40	27.0	39.1
EV/GP/RG	1.24	0.63
Ticker research	View JKHY research	View PAY research