WallStSmart

Jack Henry & Associates Inc (JKHY)vsSony Group Corp (SONY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sony Group Corp generates 498881% more annual revenue ($12.70T vs $2.54B). JKHY leads profitability with a 19.8% profit margin vs -1.8%. SONY appears more attractively valued with a PEG of 1.53. SONY earns a higher WallStSmart Score of 59/100 (C).

JKHY

Buy

55

out of 100

Grade: C-

Growth: 4.0Profit: 8.0Value: 4.0Quality: 7.5
Piotroski: 5/9Altman Z: 4.24

SONY

Buy

59

out of 100

Grade: C

Growth: 7.3Profit: 4.5Value: 5.0Quality: 7.5
Piotroski: 6/9Altman Z: 2.43
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

JKHYSignificantly Overvalued (-39.7%)

Margin of Safety

-39.7%

Fair Value

$118.59

Current Price

$149.10

$30.51 premium

UndervaluedFair: $118.59Overvalued

Intrinsic value data unavailable for SONY.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JKHY4 strengths · Avg: 9.3/10
Debt/EquityHealth
0.0210/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.2410/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
24.5%9/10

Every $100 of equity generates 25 in profit

Operating MarginProfitability
22.5%8/10

Strong operational efficiency at 22.5%

SONY5 strengths · Avg: 8.8/10
Free Cash FlowQuality
$59.56B10/10

Generating 59.6B in free cash flow

Market CapQuality
$137.13B9/10

Large-cap with strong market position

Debt/EquityHealth
0.229/10

Conservative balance sheet, low leverage

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
47.6%8/10

Earnings expanding 47.6% YoY

Areas to Watch

JKHY3 concerns · Avg: 3.3/10
PEG RatioValuation
1.894/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

EPS GrowthGrowth
-10.4%2/10

Earnings declined 10.4%

SONY3 concerns · Avg: 2.3/10
PEG RatioValuation
1.534/10

Expensive relative to growth rate

Return on EquityProfitability
-2.9%2/10

ROE of -2.9% — below average capital efficiency

Profit MarginProfitability
-1.8%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : JKHY

The strongest argument for JKHY centers on Debt/Equity, Altman Z-Score, Return on Equity. Profitability is solid with margins at 19.8% and operating margin at 22.5%.

Bull Case : SONY

The strongest argument for SONY centers on Free Cash Flow, Market Cap, Debt/Equity.

Bear Case : JKHY

The primary concerns for JKHY are PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : SONY

The primary concerns for SONY are PEG Ratio, Return on Equity, Profit Margin.

Key Dynamics to Monitor

JKHY profiles as a value stock while SONY is a turnaround play — different risk/reward profiles.

SONY carries more volatility with a beta of 0.76 — expect wider price swings.

SONY is growing revenue faster at 8.2% — sustainability is the question.

SONY generates stronger free cash flow (59.6B), providing more financial flexibility.

Bottom Line

SONY scores higher overall (59/100 vs 55/100). Both earn "Buy" and "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.

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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Sony Group Corp

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Sony Group Corporation designs, develops, produces and sells electronic equipment, instruments and devices for the consumer, professional and industrial markets worldwide. The company is headquartered in Tokyo, Japan.

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