Jack Henry & Associates (NASDAQ:JKHY) and PAYBOX (OTCMKTS:PBOX) are both computer and technology companies, but which is the superior business? We will contrast the two companies based on the strength of their valuation, analyst recommendations, profitability, risk, earnings, dividends and institutional ownership.
This table compares Jack Henry & Associates and PAYBOX’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Jack Henry & Associates||19.57%||23.57%||15.54%|
Earnings and Valuation
This table compares Jack Henry & Associates and PAYBOX’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Jack Henry & Associates||$1.54 billion||7.21||$376.66 million||$3.59||39.97|
Jack Henry & Associates has higher revenue and earnings than PAYBOX.
This is a breakdown of current recommendations for Jack Henry & Associates and PAYBOX, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Jack Henry & Associates||0||3||2||0||2.40|
Jack Henry & Associates presently has a consensus price target of $149.50, indicating a potential upside of 4.18%. Given Jack Henry & Associates’ higher probable upside, research analysts clearly believe Jack Henry & Associates is more favorable than PAYBOX.
Insider and Institutional Ownership
90.4% of Jack Henry & Associates shares are held by institutional investors. 0.8% of Jack Henry & Associates shares are held by insiders. Comparatively, 60.9% of PAYBOX shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
Jack Henry & Associates pays an annual dividend of $1.60 per share and has a dividend yield of 1.1%. PAYBOX does not pay a dividend. Jack Henry & Associates pays out 44.6% of its earnings in the form of a dividend. Jack Henry & Associates has increased its dividend for 15 consecutive years.
Jack Henry & Associates beats PAYBOX on 9 of the 11 factors compared between the two stocks.
About Jack Henry & Associates
Jack Henry & Associates, Inc. provides technology solutions and payment processing services primarily for financial services organizations in the United States. The company offers information and transaction processing solutions for banks ranging from community to multi-billion dollar institutions under the Jack Henry Banking brand; core data processing solutions for various credit unions under the Symitar brand; and specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial institutions and corporate entities under the ProfitStars brand. It also provides a suite of integrated applications required to process deposit, loan, and general ledger transactions, as well as to maintain centralized customer/member information; and complementary products and services that enable core bank and credit union clients to respond to evolving customer/member demands. The company's Jack Henry Banking business brand offers SilverLake, a robust IBM Power System primarily designed for commercial-focused banks; CIF 20/20, a system for the community bank market; and Core Director, a Windows-based client/server system. Its Symitar business brand provides Episys, a robust IBM Power System primarily designed for credit unions; and CruiseNet, a Windows-based client/server system designed primarily for credit unions. In addition, the company offers electronic payment solutions; purchases and resells hardware systems, including servers, workstations, scanners, and other devices; and provides implementation, training, and support services. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri.
Paybox Corp. operates as a software as a service provider that provides a unified working capital management platform for Order-to-Cash and Procure-to-Pay processes. The company offers PAYBOX, an Order-to-Cash process, which streamlines the receivables processes by combining invoice presentment, online adjustments and approvals, electronic payments, and downstream financing, as well as integration with legacy accounting, enterprise resource planning, or lockbox system to corporate users primarily through banks. It also provides Procure-to Pay, an e-invoice management solution for accounts payable, which provides various services, including supplier self-service portal, supplier electronic invoice submission, invoice matching and workflow exception handling, invoice approval and payment, and vendor boarding and supplier services. In addition, the company offers audit and traceability services. Paybox Corp. markets its products through sales representatives and strategic partners primarily in the Americas, Europe, and Asia. The company was formerly known as Direct Insite Corp. and changed its name to Paybox Corp. in September 2016. Paybox Corp. was founded in 1987 and is headquartered in Fort Lauderdale, Florida.
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