WallStSmart

Jack Henry & Associates Inc (JKHY)vsTurtle Beach Corporation (TBCH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Jack Henry & Associates Inc generates 744% more annual revenue ($2.52B vs $298.19M). JKHY leads profitability with a 20.6% profit margin vs 0.4%. TBCH appears more attractively valued with a PEG of 0.98. JKHY earns a higher WallStSmart Score of 68/100 (B-).

JKHY

Strong Buy

68

out of 100

Grade: B-

Growth: 6.0Profit: 8.0Value: 4.7Quality: 8.0
Piotroski: 4/9Altman Z: 4.44

TBCH

Hold

43

out of 100

Grade: D

Growth: 4.0Profit: 3.5Value: 5.0Quality: 7.0
Piotroski: 5/9Altman Z: 1.92
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

JKHYSignificantly Overvalued (-43.8%)

Margin of Safety

-43.8%

Fair Value

$115.21

Current Price

$130.11

$14.90 premium

UndervaluedFair: $115.21Overvalued

Intrinsic value data unavailable for TBCH.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JKHY6 strengths · Avg: 9.0/10
Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.4410/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
24.3%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
20.6%9/10

Keeps 21 of every $100 in revenue as profit

P/E RatioValuation
17.9x8/10

Attractively priced relative to earnings

Operating MarginProfitability
24.4%8/10

Strong operational efficiency at 24.4%

TBCH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.988/10

Growing faster than its price suggests

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Areas to Watch

JKHY1 concerns · Avg: 4.0/10
PEG RatioValuation
1.744/10

Expensive relative to growth rate

TBCH4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.924/10

Grey zone — moderate risk

Market CapQuality
$268.34M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.1%3/10

ROE of 1.1% — below average capital efficiency

Profit MarginProfitability
0.4%3/10

0.4% margin — thin

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 20.6% and operating margin at 24.4%.

Bull Case : TBCH

The strongest argument for TBCH centers on PEG Ratio, Price/Book. PEG of 0.98 suggests the stock is reasonably priced for its growth.

Bear Case : JKHY

The primary concerns for JKHY are PEG Ratio.

Bear Case : TBCH

The primary concerns for TBCH are Altman Z-Score, Market Cap, Return on Equity. A P/E of 676.0x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

JKHY profiles as a mature stock while TBCH is a value play — different risk/reward profiles.

TBCH carries more volatility with a beta of 2.29 — expect wider price swings.

JKHY is growing revenue faster at 8.7% — sustainability is the question.

JKHY generates stronger free cash flow (170M), providing more financial flexibility.

Bottom Line

JKHY scores higher overall (68/100 vs 43/100), backed by strong 20.6% margins. Both earn "Strong Buy" and "Hold" 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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Turtle Beach Corporation

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Turtle Beach Corporation is an audio technology company in North America, Europe, the Middle East, and the Asia Pacific. The company is headquartered in White Plains, New York.

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