JKHY
Jack Henry & Associates, Inc.
JKHY offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
MSFT
Microsoft Corporation
MSFT has the edge over JKHY overall, supported by stronger modeled upside and stronger fundamentals.
JKHY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| Strong | |
| Strong |
JKHY's profitability, cash flow and balance sheet are currently strong, and its revenue is stable.
MSFT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Healthy | |
| Strong |
MSFT's revenue, profitability, cash flow and balance sheet are all currently healthy.
JKHY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 23x | $176 | — |
| Current | 24x | $176 | — |
| Cheap | 28x | $201 | +14% |
| Fair | 34x | $250 | +42% |
| Expensive | 42x | $303 | +72% |
Historical ranges are pointers, not guarantees.
JKHY's PE is in its cheap range at 24x. If earnings grow as analysts expect, today's price would be 23x next year's earnings.
MSFT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 25x | $523 | — |
| Cheap | 27x | $525 | +0.4% |
| Current | 27x | $523 | — |
| Fair | 34x | $652 | +25% |
| Expensive | 37x | $711 | +36% |
Historical ranges are pointers, not guarantees.
MSFT has the edge over JKHY in the historical PE scenario, which offers more potential upside but is not a forecast.
JKHY Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Strongly improving | |
| Moderate | |
| Moderate |
Analysts expect earnings and revenue growth for JKHY, with profitability improving.
MSFT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Moderate | |
| High |
Analysts expect strong earnings and revenue growth for MSFT, with profitability holding steady.
JKHY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.57 | +3.8% |
| Q3 2026 | $7.29 | +11% |
| Q2 2026 | $6.98 | +12% |
| Q1 2026 | $7.15 | +22% |
| Q4 2025 | $6.96 | +25% |
| Q3 2025 | $6.58 | +20% |
| Q2 2025 | $6.24 | +19% |
| Q1 2025 | $5.88 | +14% |
| Q4 2024 | $5.55 | +8.6% |
JKHY's earnings per share have climbed steadily: $7.29 over the past year, up 11% from the year before, and higher year over year for 12 quarters in a row.
MSFT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $20.79 | +8.6% |
| Q3 2026 | $19.15 | +36% |
| Q2 2026 | $17.95 | +32% |
| Q1 2026 | $16.80 | +30% |
| Q4 2025 | $15.99 | +29% |
| Q3 2025 | $14.06 | +16% |
| Q2 2025 | $13.64 | +16% |
| Q1 2025 | $12.93 | +12% |
| Q4 2024 | $12.41 | +12% |
MSFT has the edge over JKHY on earnings, with stronger typical year-over-year growth.
JKHY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $701.5M | +8.8% |
| Q2 2026 | $644M | +4.7% |
| Q1 2026 | $636.2M | +8.7% |
| Q4 2025 | $619.3M | +7.9% |
| Q3 2025 | $644.7M | +7.3% |
| Q2 2025 | $615.4M | +9.9% |
| Q1 2025 | $585.1M | +8.6% |
| Q4 2024 | $573.8M | +5.2% |
JKHY's revenue has grown year over year every quarter since late 2020: $702M last quarter, up 8.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | +1 points |
| Q2 2026 | 21% | -4.1 points |
| Q1 2026 | 24% | +0.7 points |
| Q4 2025 | 26% | +4.3 points |
| Q3 2025 | 29% | +3.4 points |
| Q2 2025 | 25% | +2.9 points |
| Q1 2025 | 24% | +2.9 points |
| Q4 2024 | 21% | -0.4 points |
JKHY's operating margin was 30% last quarter, up 1 points from the same quarter a year ago, near the top of its range since 2019.
MSFT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $92.3B | +19% |
| Q2 2026 | $90B | +18% |
| Q1 2026 | $82.9B | +18% |
| Q4 2025 | $81.3B | +17% |
| Q3 2025 | $77.7B | +18% |
| Q2 2025 | $76.4B | +18% |
| Q1 2025 | $70.1B | +13% |
| Q4 2024 | $69.6B | +12% |
MSFT has the edge over JKHY on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 50% | +0.9 points |
| Q2 2026 | 45% | +0.2 points |
| Q1 2026 | 46% | +0.7 points |
| Q4 2025 | 47% | +1.6 points |
| Q3 2025 | 49% | +2.3 points |
| Q2 2025 | 45% | +1.8 points |
| Q1 2025 | 46% | +1.1 points |
| Q4 2024 | 45% | +1.9 points |
MSFT has the edge over JKHY on profitability, with a higher operating margin.
JKHY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $134.3M | +20% |
| Q2 2026 | $282.2M | -10% |
| Q1 2026 | $169.5M | +76% |
| Q4 2025 | $131.4M | +80% |
| Q3 2025 | $111.7M | +7.3% |
| Q2 2025 | $314.9M | +51% |
| Q1 2025 | $96.1M | +9.6% |
| Q4 2024 | $73M | +13% |
JKHY has the edge over MSFT on cash flow, with more consistent year-over-year improvement.
MSFT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18.6B | -27% |
| Q2 2026 | $19.6B | -23% |
| Q1 2026 | $15.8B | -22% |
| Q4 2025 | $5.9B | -9.3% |
| Q3 2025 | $25.7B | +33% |
| Q2 2025 | $25.6B | +9.6% |
| Q1 2025 | $20.3B | -3.2% |
| Q4 2024 | $6.5B | -29% |
MSFT's free cash flow has been positive every quarter for seven years: $60B over the past year, down 23% from the year before.
JKHY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.5% | -1.8M shares |
| 1 year | -3.6% | -2.6M shares |
| 3 years | -3.8% | -2.8M shares |
| 5 years | -5.2% | -3.9M shares |
| Available history | -8.7% | -6.7M shares |
JKHY has the edge over MSFT on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $70.9M |
| Q2 2026 | $163.8M |
| Q1 2026 | $159.2M |
| Q4 2025 | $63.2M |
| Q3 2025 | $62M |
| Q2 2025 | $1,000 |
| Q1 2025 | $18M |
| Q4 2024 | $17.1M |
JKHY spent $457M buying back its own shares over the past year, about five times what it spent the year before.
MSFT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -7M shares |
| 1 year | -0.3% | -20M shares |
| 3 years | -0.2% | -16M shares |
| 5 years | -1.6% | -121M shares |
| Available history | -3.2% | -245M shares |
MSFT has 7.4B diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.4B |
| Q2 2026 | $4.6B |
| Q1 2026 | $4.6B |
| Q4 2025 | $7.4B |
| Q3 2025 | $5.7B |
| Q2 2025 | $4.5B |
| Q1 2025 | $4.8B |
| Q4 2024 | $5B |
MSFT spent $21B buying back its own shares over the past year, up 5.2% from the year before.
JKHY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.0x | Very low |
| Q1 2026 | 0.1x | Very low |
| Q4 2025 | -0.0x | Net Cash |
| Q3 2025 | -0.0x | Net Cash |
| Q2 2025 | -0.2x | Net Cash |
| Q1 2025 | 0.2x | Very low |
| Q4 2024 | 0.2x | Very low |
JKHY's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago.
MSFT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.1x | Very low |
MSFT's net debt is less than a year of its operating earnings (EBITDA).
JKHY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.1 | Neutral |
| Stochastic | 70.3 | Neutral |
JKHY's weekly RSI is 63 (neutral) and its Stochastic is 70 (neutral).
MSFT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.1 | Neutral |
| Stochastic | 68.0 | Neutral |
MSFT's weekly RSI is 62 (neutral) and its Stochastic is 68 (neutral).
JKHY PE vs Technology Sector
| Metric | JKHY | Sector median | Relative |
|---|---|---|---|
| PE | 24x | 28x | 13% below |
| PE % | 11 | 35 | 24 pts below |
JKHY has the edge over MSFT on valuation relative to its sector.
MSFT PE vs Technology Sector
| Metric | MSFT | Sector median | Relative |
|---|---|---|---|
| PE | 27x | 28x | 2% below |
| PE % | 16 | 35 | 19 pts below |
MSFT is trading at 27x earnings, in line with the Technology sector's median of 28x.
JKHY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $158.3 | 11% above |
| 20 week MA | $157.3 | 12% above |
| 50 week MA | $159.2 | 11% above |
| 100 week MA | $164.7 | 6.9% above |
| 200 week MA | $164.8 | 6.8% above |
JKHY has the edge over MSFT on trend strength, trading above more of its moving averages.
MSFT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $524.7 | 0.3% below |
| 20 week MA | $484.8 | 7.9% above |
| 50 week MA | $446.9 | 17% above |
| 100 week MA | $453.8 | 15% above |
| 200 week MA | $411.5 | 27% above |
MSFT's trend is up, with a small recent dip: it's below only its 8-week average, and 27% above its 200-week average.
JKHY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $146.6 | $157.7 | +7.6% |
| 2021 | $157.7 | $165.4 | +4.9% |
| 2022 | $165.4 | $177.3 | +7.2% |
| 2023 | $177.3 | $163.4 | -7.9% |
| 2024 | $163.4 | $176.9 | +8.2% |
| 2025 | $176.9 | $186.1 | +5.2% |
| 2026 YTD | $186.1 | $176.0 | -5.4% |
JKHY has finished higher in five of the last six years. It's down 5.4% so far in 2026.
MSFT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $159.0 | $222.8 | +40% |
| 2021 | $222.8 | $334.7 | +50% |
| 2022 | $334.7 | $238.7 | -29% |
| 2023 | $238.7 | $376.0 | +58% |
| 2024 | $376.0 | $430.5 | +14% |
| 2025 | $430.5 | $487.7 | +13% |
| 2026 YTD | $487.7 | $523.0 | +7.2% |
MSFT has the edge over JKHY on returns for 2026, with the stronger performance.