JKHY vs WSE: Jack Henry & Associates and Wise Group compared
The short version
From the latest prices and each company's SEC filings. Who's ahead on each measure, not which to buy.
- Wise Group is the larger company, worth $11.0B, close to Jack Henry & Associates's $10.5B.
- Wise Group grew revenue faster over the last year (+22.5% vs +4.7%).
- Wise Group keeps more of each dollar of revenue as operating profit (31.2% vs 25.0%).
- On earnings, Wise Group is the cheaper stock (0.2x vs 20.7x).
- Jack Henry & Associates's price assumes faster free cash flow growth: about 5% a year, against -37% for Wise Group (reverse DCF).
Side by side
The stronger figure is shaded where higher (or, for valuation multiples, lower) reads as better. How the implied growth works.
| Measure | JKHY | WSE |
|---|---|---|
| Market cap | $10.5B | $11.0B |
| Share price | $149.31 | $11.87 |
| Revenue (last fiscal year) | $2.5B | $1.9B |
| Free cash flow (last fiscal year) | $511M | $7.5B |
| Revenue growth, last year | +4.7% | +22.5% |
| Revenue growth per year, last 5 fiscal years | +7.0% | +19.6% |
| Operating margin | 25.0% | 31.2% |
| Net margin | 19.8% | 26.3% |
| Return on equity | 24.5% | 25.9% |
| P/E (trailing) | 20.7x | 0.25x |
| Price / free cash flow | 17.9x | 2.48x |
| EV / EBITDA | 14.9x | — |
| FCF growth the price implies | 5.4% | -36.5% |
| Dividend yield | 1.6% | — |
| Debt / equity | 0.53x | 16.3x |
| Fundamental grade | C | C |
| Superinvestors holding it | 3 | 1 |
| Insider purchases, last 12 months | 6 | 0 |
Results from SEC filings
Revenue and free cash flow by fiscal year, from each company's 10-K filings.
Jack Henry & Associates
| Year | Revenue | Free cash flow | Op. margin |
|---|---|---|---|
| 2022 | $1.9B | $322M | 24.4% |
| 2023 | $2.1B | $176M | 23.1% |
| 2024 | $2.2B | $343M | 22.1% |
| 2025 | $2.4B | $416M | 23.9% |
| 2026 | $2.5B | $511M | 25.0% |
Wise Group
| Year | Revenue | Free cash flow | Op. margin |
|---|---|---|---|
| 2024 | $1.3B | $4.1B | 49.1% |
| 2025 | $1.5B | $5.7B | 47.1% |
| 2026 | $1.9B | $7.5B | 31.2% |
Where the revenue comes from
Jack Henry & Associates · by segments, 2026
Payments$936M37%
Core Segment$768M30%
Complementary$752M30%
Corporate Services$88M3%
Wise Group · by products, 2026
Cross Border Sevices$1.3B66%
Card Services$392M21%
Other Services$245M13%
Compare them in fullFifteen years of statements, quarterly results, DCF and IRR models, and any number of peers side by side.
Open JKHY in InvestinglyQuestions
Which is bigger, Jack Henry & Associates or Wise Group?
Wise Group (WSE), at $11.0B against $10.5B.
Is JKHY or WSE cheaper?
By trailing P/E, Wise Group (0.25x) is cheaper than Jack Henry & Associates (20.7x). A lower multiple can also mean the market expects less growth.
Which grows faster, JKHY or WSE?
Wise Group: revenue grew +22.5% over the last year, against +4.7%.
More comparisons
Prices and ratios as of the last daily update; statements from SEC filings. Information only, not investment advice.