COMPARE · Data as of August 21, 2026
EEFT vs JKHY
Verdict: Side-by-side breakdown using the Bull Rankings model. EEFT scored 76.2, JKHY scored 73.0 — EEFT leads.
Compare another set
Different reporting periods. EEFT'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.
EEFT
Euronet Worldwide, Inc.
76.2
$70.07 · $2.6B
fundamentals as of
Score gap
3.2
EEFT 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
- CheapestEEFT11.1x
- Fastest growthJKHY+8.4%
- Strongest balance sheetJKHY0.06
- Highest qualityJKHY93 / 100
- Largest discount to fair valueEEFT-53%
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)
EEFT
stronger →← stronger
JKHY
65
Qualityreturns · margins · balance sheet
93
72
Growthrevenue & earnings expansion
70
94
Valuevaluation vs sector peers
60
EEFT is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
EEFT
JKHY
$269mC
FCF
$728mC+
+6.4%C+
Rev
+8.4%B
2.25D
D/E
0.06A-
11.1xA
P/E
23.8xB+
0.50A
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
EEFT
JKHY
53% below
Price vs fair valuelower is cheaper
36% below
~-10%/yr
Growth the price implies10-yr FCF · lower = less priced in
~-5%/yr
+89%
1-yr DCF upside
+46%
+111%
5-yr DCF upside
+56%
+150%
10-yr DCF upside
+72%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
EEFT
Why this score
- Buying back stock
- Durable high returns
JKHY
Why this score
- Buying back stock
- Raising its dividend
- Durable high returns
The companies
EEFTEuronet Worldwide, Inc.
Why now
Software - Infrastructure · market cap $2.6b. Down 29% from 52-week high of $98.48 — deep drawdown territory. PEG 0.50 — paying under fair value for the growth rate. 6 sell-side analysts rate this a Buy with a mean 1-yr target of $87.50 (implying +25% upside).
Moat
ROE 22% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
D/E 2.25 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Customer concentration — many software businesses depend on a handful of enterprise accounts; the loss of one $10M+ contract can swing the next quarter's growth narrative.
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 EEFT and JKHY diverge
On the headline score the gap is 3.2 points in favor of EEFT. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- ValueEEFT 94.1 · JKHY 59.8EEFT +34.3
- QualityEEFT 65.0 · JKHY 92.8JKHY +27.8
- GrowthEEFT 72.3 · JKHY 70.2level
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.