Verdict: Side-by-side breakdown using the Bull Rankings model. JKHY scored 71.7, CPAY scored 78.2 — CPAY leads.
Compare another set
JKHY
Jack Henry & Associates, Inc.
Information Technology Services · Quality-Growth
71.7
$149.31 · $10.5B
fundamentals as of
Score gap
6.5
CPAY leads
CPAY
Corpay, Inc.
Software - Infrastructure · Quality-Growth
78.2
$397.92 · $26.1B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestJKHY21.4x
Fastest growthCPAY+13.9%
Strongest balance sheetJKHY0.04
Highest qualityJKHY93 / 100
Largest discount to fair valueCPAY-21%
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)
JKHY
stronger →← stronger
CPAY
93
Qualityreturns · margins · balance sheet
88
65
Growthrevenue & earnings expansion
87
61
Valuevaluation vs sector peers
62
CPAY is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
JKHY
CPAY
$507mC+
FCF
$1.6bC+
+7.1%B
Rev
+13.9%B+
0.04A-
D/E
2.75D
21.4xB+
P/E
24.2xB+
1.81C+
PEG
0.77A-
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
JKHY
CPAY
16% below
Price vs fair valuelower is cheaper
21% below
~2%/yr
Growth the price impliesyr-1 FCF growth, fading to 4% · lower = less priced in
~3%/yr
+13%
1-yr DCF upside
+11%
+19%
5-yr DCF upside
+27%
+29%
10-yr DCF upside
+53%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
JKHY
Why this score
Buying back stock
Raising its dividend
Durable high returns
CPAY
Why this score
Buying back stock
Durable high returns
The companies
JKHYJack Henry & Associates, Inc.
Information Technology Services · $149.31 · beta 0.56
Why now
Information Technology Services · market cap $10.5b. Down 23% from 52-week high of $193.39 — deep drawdown territory. 18 sell-side analysts rate this a Buy with a mean 1-yr target of $189.72 (implying +27% upside).
Moat
Net margin 20% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 24% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 101% of net income — earnings translate cleanly into cash.
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.
CPAYCorpay, Inc.
Software - Infrastructure · $397.92 · beta 0.89
Why now
Software - Infrastructure · market cap $26.1b. 7% off the 52-week high of $427.46. Revenue growing +14%, comfortably above the S&P median. PEG 0.77 — paying under fair value for the growth rate. 15 sell-side analysts rate this a Buy with a mean 1-yr target of $461.00 (implying +16% 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 29% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 145% of net income — earnings translate cleanly into cash.
Risk
D/E 2.75 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. 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.
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 JKHY and CPAY diverge
On the headline score the gap is 6.5 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.
GrowthJKHY 65.1 · CPAY 87.3CPAY +22.2
QualityJKHY 93.2 · CPAY 87.9JKHY +5.3
ValueJKHY 60.7 · CPAY 62.4level
Pillars run 0–100. Value is judged against each company's own sector, so a Value 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.
Common questions
Is CPAY or JKHY the better stock?
CPAY scores higher: CPAY 78.2, JKHY 71.7 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
Where do CPAY and JKHY differ most?
The widest gap is growth, where CPAY leads by 22 points on the 0–100 pillar scale. Neither name sweeps: they trade the lead across the three pillars, so the comparison is a trade-off rather than one being better on every measure.
How are CPAY and JKHY scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.