Fidelity National Information Services Inc (FIS)vsJack Henry & Associates Inc (JKHY)
FIS
Fidelity National Information Services Inc
$37.72
-1.28%
TECHNOLOGY · Cap: $20.26B
JKHY
Jack Henry & Associates Inc
$130.11
-0.47%
TECHNOLOGY · Cap: $9.11B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Information Services Inc generates 355% more annual revenue ($11.44B vs $2.52B). FIS leads profitability with a 23.4% profit margin vs 20.6%. FIS appears more attractively valued with a PEG of 0.22. FIS earns a higher WallStSmart Score of 87/100 (A).
FIS
Exceptional Buy87
out of 100
Grade: A
JKHY
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+8.0%
Fair Value
$52.51
Current Price
$37.72
$14.79 discount
Margin of Safety
-43.8%
Fair Value
$115.21
Current Price
$130.11
$14.90 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 30.1% year-over-year
Earnings expanding 3041.0% YoY
Keeps 23 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Every $100 of equity generates 24 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 24.4%
Areas to Watch
Elevated debt levels
Distress zone — elevated risk
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : FIS
The strongest argument for FIS centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 23.4% and operating margin at 16.4%. Revenue growth of 30.1% demonstrates continued momentum.
Bull Case : JKHY
The strongest argument for JKHY centers on Debt/Equity, Altman Z-Score, Return on Equity. Profitability is solid with margins at 20.6% and operating margin at 24.4%.
Bear Case : FIS
The primary concerns for FIS are Debt/Equity, Altman Z-Score.
Bear Case : JKHY
The primary concerns for JKHY are PEG Ratio.
Key Dynamics to Monitor
FIS profiles as a growth stock while JKHY is a mature play — different risk/reward profiles.
FIS carries more volatility with a beta of 0.80 — expect wider price swings.
FIS is growing revenue faster at 30.1% — sustainability is the question.
FIS generates stronger free cash flow (695M), providing more financial flexibility.
Bottom Line
FIS scores higher overall (87/100 vs 68/100), backed by strong 23.4% margins and 30.1% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Fidelity National Information Services Inc
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
FIS is an American Fortune 500 company which offers a wide range of financial products and services. Headquartered in Jacksonville, Florida, FIS employs approximately 63,000 people worldwide. FIS is most known for its development of Financial Technology, or FinTech, and as of Q2 2020 it offers its solutions in three primary segments: Merchant Solutions, Banking Solutions, and Capital Market Solutions.
Jack Henry & Associates Inc
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
Jack Henry & Associates, Inc. is a technology company and payment processing service for the financial services industry.
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