WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Jack Henry & Associates Inc generates 670% more annual revenue ($2.46B vs $319.91M). JKHY leads profitability with a 20.6% profit margin vs 4.9%. TBCH appears more attractively valued with a PEG of 0.84. JKHY earns a higher WallStSmart Score of 67/100 (B-).

JKHY

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 8.5Value: 4.0Quality: 7.5
Piotroski: 4/9Altman Z: 4.44

TBCH

Buy

55

out of 100

Grade: C

Growth: 4.0Profit: 6.0Value: 8.7Quality: 5.0
Piotroski: 2/9Altman Z: 1.40
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

JKHYSignificantly Overvalued (-22.9%)

Margin of Safety

-22.9%

Fair Value

$134.82

Current Price

$145.84

$11.02 premium

UndervaluedFair: $134.82Overvalued
TBCHUndervalued (+84.4%)

Margin of Safety

+84.4%

Fair Value

$74.63

Current Price

$12.29

$62.34 discount

UndervaluedFair: $74.63Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

JKHY6 strengths · Avg: 9.0/10
Debt/EquityHealth
0.0510/10

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

Operating MarginProfitability
25.7%8/10

Strong operational efficiency at 25.7%

EPS GrowthGrowth
28.4%8/10

Earnings expanding 28.4% YoY

TBCH3 strengths · Avg: 8.0/10
PEG RatioValuation
0.848/10

Growing faster than its price suggests

P/E RatioValuation
16.5x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

JKHY1 concerns · Avg: 4.0/10
PEG RatioValuation
2.144/10

Expensive relative to growth rate

TBCH4 concerns · Avg: 2.8/10
Market CapQuality
$251.56M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.9%3/10

4.9% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-18.7%2/10

Revenue declined 18.7%

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 25.7%.

Bull Case : TBCH

The strongest argument for TBCH centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.84 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 Market Cap, Profit Margin, Piotroski F-Score. Thin 4.9% 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 2.26 — expect wider price swings.

JKHY is growing revenue faster at 7.9% — sustainability is the question.

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

Bottom Line

JKHY scores higher overall (67/100 vs 55/100), backed by strong 20.6% margins. TBCH offers better value entry with a 84.4% margin of safety. Both earn "Strong 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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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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