COMPARE · Data as of August 21, 2026
CPAY vs JKHY
Verdict: Side-by-side breakdown using the Bull Rankings model. CPAY scored 78.8, JKHY scored 73.0 — CPAY leads.
Compare another set
Different reporting periods. CPAY's fundamentals are as of June 2026, but JKHY's are as of March 2026 — a 3-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
CPAY
Corpay, Inc.
78.8
$417.13 · $27.4B
fundamentals as of
Score gap
5.8
CPAY leads
JKHY
Jack Henry & Associates, Inc.
73
$166.20 · $11.8B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestJKHY23.8x
- Fastest growthCPAY+20.4%
- Strongest balance sheetJKHY0.06
- Highest qualityJKHY93 / 100
- Largest discount to fair valueJKHY-36%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
CPAY
stronger →← stronger
JKHY
88
Qualityreturns · margins · balance sheet
93
92
Growthrevenue & earnings expansion
70
60
Valuevaluation vs sector peers
60
CPAY is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
CPAY
JKHY
$1.6bC+
FCF
$728mC+
+20.4%A-
Rev
+8.4%B
2.75D
D/E
0.06A-
25.4xB+
P/E
23.8xB+
0.93B+
PEG
2.20C
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
CPAY
JKHY
20% below
Price vs fair valuelower is cheaper
36% below
~3%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-5%/yr
+9%
1-yr DCF upside
+46%
+26%
5-yr DCF upside
+56%
+55%
10-yr DCF upside
+72%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
CPAY
Why this score
- Buying back stock
- Durable high returns
JKHY
Why this score
- Buying back stock
- Raising its dividend
- Durable high returns
The companies
CPAYCorpay, Inc.
Why now
Software - Infrastructure · market cap $27.4b. Trading near 52-week high of $425.95 — momentum setup, limited technical margin of safety. Revenue growing +20%, comfortably above the S&P median. PEG 0.93 — paying under fair value for the growth rate. 14 sell-side analysts rate this a Buy with a mean 1-yr target of $450.64 (implying +8% upside).
Moat
Net margin 23% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 32% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 144% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
D/E 2.75 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Trading within 2% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
JKHYJack Henry & Associates, Inc.
Why now
Information Technology Services · market cap $11.8b. 14% off the 52-week high of $193.39. 14 sell-side analysts rate this a Buy with a mean 1-yr target of $188.43 (implying +13% upside).
Moat
Net margin 21% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 24% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 140% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Mature compounder — the risk is paying up for quality at a moment when growth is decelerating. Watch for sequential revenue + margin trends; the inflection from "compounder" to "ex-compounder" is hard to spot until the multiple already started compressing.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where CPAY and JKHY diverge
On the headline score the gap is 5.8 points in favor of CPAY. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- GrowthCPAY 91.9 · JKHY 70.2CPAY +21.7
- QualityCPAY 88.3 · JKHY 92.8JKHY +4.5
- ValueCPAY 60.4 · JKHY 59.8level
Pillars run 0–100 against sector peers, so a score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.