WallStSmart

Jack Henry & Associates Inc (JKHY)vsVuzix Corp Cmn Stk (VUZI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Jack Henry & Associates Inc generates 41202% more annual revenue ($2.52B vs $6.09M). JKHY leads profitability with a 20.6% profit margin vs 0.0%. 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

VUZI

Avoid

16

out of 100

Grade: F

Growth: 2.7Profit: 2.5Value: 6.7Quality: 7.0
Piotroski: 4/9Altman Z: -11.94
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
VUZIUndervalued (+40.3%)

Margin of Safety

+40.3%

Fair Value

$4.14

Current Price

$4.23

$0.09 discount

UndervaluedFair: $4.14Overvalued

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%

VUZI1 strengths · Avg: 10.0/10
Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

Areas to Watch

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

Expensive relative to growth rate

VUZI4 concerns · Avg: 3.5/10
Price/BookValuation
14.1x4/10

Trading at 14.1x book value

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$259.45M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% 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 : VUZI

The strongest argument for VUZI centers on Debt/Equity.

Bear Case : JKHY

The primary concerns for JKHY are PEG Ratio.

Bear Case : VUZI

The primary concerns for VUZI are Price/Book, EPS Growth, Market Cap.

Key Dynamics to Monitor

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

VUZI carries more volatility with a beta of 1.69 — 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 16/100), backed by strong 20.6% margins. VUZI offers better value entry with a 40.3% margin of safety. Both earn "Strong Buy" and "Avoid" 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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Vuzix Corp Cmn Stk

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Vuzix Corporation designs, manufactures, markets and sells augmented reality (AR) computing and display devices for consumer and business markets in North America, Asia-Pacific, Europe, and internationally. The company is headquartered in West Henrietta, New York.

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