Jack Henry & Associates Inc (JKHY)vsWipro Limited ADR (WIT)
JKHY
Jack Henry & Associates Inc
$157.40
-0.93%
TECHNOLOGY · Cap: $11.50B
WIT
Wipro Limited ADR
$2.09
-0.48%
TECHNOLOGY · Cap: $22.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Wipro Limited ADR generates 36780% more annual revenue ($908.92B vs $2.46B). JKHY leads profitability with a 20.6% profit margin vs 14.6%. JKHY appears more attractively valued with a PEG of 2.29. JKHY earns a higher WallStSmart Score of 65/100 (C+).
JKHY
Buy65
out of 100
Grade: C+
WIT
Buy53
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+49.2%
Fair Value
$326.20
Current Price
$157.40
$168.80 discount
Margin of Safety
-171.6%
Fair Value
$0.88
Current Price
$2.09
$1.21 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Strong operational efficiency at 25.7%
Earnings expanding 28.4% YoY
Generating 37.9B in free cash flow
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Expensive relative to growth rate
Earnings declined 7.2%
Comparative Analysis Report
WallStSmart ResearchBull 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 : WIT
The strongest argument for WIT centers on Free Cash Flow, Altman Z-Score, P/E Ratio.
Bear Case : JKHY
The primary concerns for JKHY are PEG Ratio.
Bear Case : WIT
The primary concerns for WIT are PEG Ratio, EPS Growth.
Key Dynamics to Monitor
JKHY profiles as a mature stock while WIT is a value play — different risk/reward profiles.
JKHY carries more volatility with a beta of 0.73 — expect wider price swings.
JKHY is growing revenue faster at 7.9% — sustainability is the question.
WIT generates stronger free cash flow (37.9B), providing more financial flexibility.
Bottom Line
JKHY scores higher overall (65/100 vs 53/100), backed by strong 20.6% margins. 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.
Visit Website →Wipro Limited ADR
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
Wipro Limited is a global information technology (IT), consulting and business process services company. The company is headquartered in Bengaluru, India.
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