JKHY vs FIS vs GEN Stock Comparison

Jack Henry & Associates, Fidelity National Information Services and Gen Digital Prices as of Nov 2, 2026 Peers: Industry group
GEN Gen Digital Inc.
$29.89 +35.9% 1M +13.4% 1Y
Market cap
$17.72B
P/E
14.8x
Revenue (TTM)
$5.23B
Div. yield
1.71%
Cybersecurity Software Technology
3 wins

Head to Head

12 decided of 12

Fidelity National Information Services leads on 6 of the 12 questions below (Fidelity National Information Services 6, Jack Henry & Associates 3, Gen Digital 3). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionJKHYFISGENLeader
Larger companyMarket capitalisation $11.46B $20.70B $17.72B FIS
Cheaper on earningsLower P/E, profitable companies only 23.4x 6.1x 14.8x FIS
Cheaper on forward earningsLower price / next fiscal year consensus EPS 21.7x 6.3x 9.7x FIS
Faster revenue growthRevenue growth, trailing twelve months +7.1% +18.3% +16.9% FIS
More profitableNet margin, trailing twelve months 19.8% 27.6% 23.1% FIS
Better return on capitalReturn on invested capital 22.7% 3.9% 14.4% JKHY
Less leveragedLower net debt / EBITDA 0.0x 4.9x 2.8x JKHY
Higher dividend yieldTrailing dividend yield 1.47% 4.29% 1.71% FIS
Better 1-year returnPrice return, last 12 months +9.7% -35.8% +13.4% GEN
Better 5-year returnAnnualised price return, 5 years +0.5%/yr -18.4%/yr +3.3%/yr GEN
Less volatileAnnualised volatility, 1 year 29.5% 34.6% 43.0% JKHY
Higher overall scoreMean of the five percentile scores vs peers 70/100 68/100 70/100 GEN

Percentile Scorecard

JKHYFISGEN

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisJKHYFISGEN
Valuation 65 #35 of 99 97 #4 of 100 85 #19 of 124
Growth 62 #36 of 94 84 #16 of 97 64 #41 of 113
Profitability 93 #7 of 90 66 #33 of 94 95 #6 of 110
Financial Health 79 #23 of 105 19 #90 of 111 15 #110 of 129
Shareholder Returns 50 #31 of 61 71 #19 of 64 92 #6 of 67
Overall 70 68 70
  • JKHY ranked among 109 companies in Fintech
  • FIS ranked among 114 companies in Business Applications
  • GEN ranked among 137 companies in Infrastructure Software

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodJKHYFISGENSPY
1 month +14.6%+23.7%+35.9% -2.3%
3 months +4.4%-10.4%+6.1% -0.7%
6 months +7.1%-15.1%+52.3% +4.8%
Year to date -10.4%-39.6%+9.9% +10.3%
1 year +9.7%-35.8%+13.4% +10.3%
3 years +12.8%-22.8%+69.5% +73.0%
3 years, per year +4.1%-8.3%+19.3% +20.1%
5 years +2.7%-63.8%+17.8% +61.9%
5 years, per year +0.5%-18.4%+3.3% +10.1%
10 years +103.0%-46.5%+18.5% +258.6%
10 years, per year +7.3%-6.1%+1.7% +13.6%

Risk

MeasureJKHYFISGENSPY
Volatility, 1Y 29.5%34.6%43.0% 12.8%
Downside volatility, 1Y 31.3%36.8%41.1% 12.8%
Beta vs S&P 500, 1Y -0.120.220.75 1.00
Return / volatility, 1Y 0.33-1.030.31 0.80
Max drawdown, 5Y -41.5%-73.4%-49.7% -25.4%
From 52-week high -15.2%-40.6%-4.8% -3.5%
52-week high $192.60$67.54$31.41 $779.14
52-week low $123.42$32.43$17.89 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleJKHYFISGEN
P/E now vs peer median 23.4xmedian 20.4x 6.1xmedian 28.5x 14.8xmedian 35.6x
P/S now vs peer median 4.5xmedian 2.2x 1.7xmedian 2.8x 3.4xmedian 4.2x
EV/EBITDA now vs peer median 13.5xmedian 13.7x 9.8xmedian 16.8x 9.4xmedian 30.0x
P/FCF now vs peer median 16.5xmedian 16.4x 7.3xmedian 16.2x 10.0xmedian 25.2x
P/B now vs peer median 5.6xmedian 1.9x 1.3xmedian 2.9x 6.5xmedian 3.2x
PEG now vs peer median 2.01median 1.02 0.21median 0.90 -5.43median 1.21

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsJKHYFISGEN
Revenue $2.54B $12.20B $5.23B
Gross profit $1.11B $4.39B $4.05B
Operating income $635.03M $1.92B $2.19B
Net income $502.78M $3.38B $1.21B
Free cash flow $694.86M $2.82B $1.76B
R&D $176.45M – $430.00M
EPS (diluted) $6.98 $6.52 $2.00
Cash & equivalents $12.06M $744.00M $589.00M
Total debt $40.00M $21.17B $8.12B
Shares (diluted) 72.04M 517.00M 603.00M
Enterprise value $11.36B $18.03B $15.54B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricJKHYFISGEN
P/E 23.4x 6.1x 14.8x
P/FCF 16.5x 7.3x 10.0x
P/Operating cash flow 15.0x 7.0x 10.0x
P/S 4.5x 1.7x 3.4x
P/B 5.6x 1.3x 6.5x
P/Tangible book 5.6x 1.8x 21.8x
EV/EBITDA 13.5x 9.8x 9.4x
EV/EBIT 18.1x 21.5x 11.6x
EV/Revenue 4.5x 3.4x 4.8x
EV/FCF 16.5x 14.6x 14.3x
EV/Operating cash flow 15.1x 13.8x 14.2x
PEG (3Y EPS CAGR) 2.01 0.21 -5.43

Growth

14 metrics
MetricJKHYFISGEN
Revenue growth (1Y) 7.1% 18.3% 16.9%
Revenue CAGR (3Y) 7.0% 7.7% 11.7%
Gross profit growth (1Y) 9.5% 15.9% 14.1%
Gross profit CAGR (3Y) 9.0% 7.2% 10.2%
Operating income growth (1Y) 11.7% 10.2% 30.5%
Operating income CAGR (3Y) 9.7% 10.6% 26.3%
Net income growth (1Y) 10.3% 2,836% 111.6%
Net income CAGR (3Y) 11.1% 28.9% -4.8%
EPS growth (1Y) 11.9% 2,957% 118.9%
EPS CAGR (3Y) 11.6% 29.3% -2.7%
Operating cash flow growth (1Y) 18.8% 31.6% 34.4%
Operating cash flow CAGR (3Y) 25.9% 85.1% 22.0%
Free cash flow growth (1Y) 18.1% 32.4% 35.7%
Free cash flow CAGR (3Y) 26.6% 100.7% 22.1%

Profitability

14 metrics
MetricJKHYFISGEN
Gross margin 43.7% 35.9% 77.4%
EBITDA margin 33.3% 34.3% 51.2%
Operating margin 25.0% 15.7% 41.8%
Pretax margin 25.7% 11.1% 32.3%
Net margin 19.8% 27.6% 23.1%
FCF margin 27.3% 23.1% 33.7%
Operating cash flow margin 29.9% 24.4% 34.0%
Return on equity 24.0% 21.1% 44.7%
Return on assets 16.2% 7.7% 7.7%
Return on invested capital 22.7% 3.9% 14.4%
Return on capital employed 25.0% 5.6% 18.0%
Asset turnover 0.8x 0.3x 0.3x
Cash conversion (OCF / net income) 1.5x 0.9x 1.5x
Stock comp / revenue 1.3% 1.5% 4.3%

Financial Health

11 metrics
MetricJKHYFISGEN
Debt / assets 1.3% 48.0% 52.2%
Debt / equity 0.0x 1.3x 3.0x
Net debt / EBITDA 0.0x 4.9x 2.8x
Debt / FCF 0.1x 7.5x 4.6x
Liabilities / assets 34.8% 63.6% 82.4%
Equity / assets 65.2% 36.4% 17.6%
Interest coverage 117.9x 3.2x 4.3x
Current ratio 1.2x 0.5x 0.4x
Quick ratio 0.7x 0.4x 0.3x
Cash ratio 0.0x 0.1x 0.2x
Altman Z-score 9.44 0.08 1.49

Shareholder Returns

7 metrics
MetricJKHYFISGEN
Dividend yield 1.5% 4.3% 1.7%
Net buyback yield 3.8% 3.5% 4.3%
Shareholder yield 5.3% 7.8% 6.0%
Payout ratio (earnings) – 25.9% –
Payout ratio (FCF) – 31.0% –
Dividend growth (1Y) – 6.3% –
Dividend CAGR (3Y) – – –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusJKHYFISGEN
Forward P/E 21.7xFY2027 6.3xFY2026 9.7xFY2026
EPS, next fiscal year $7.54FY2027 $6.37FY2026 $3.07FY2026
EPS growth, next FY +8.0%FY2027 +10.8%FY2026 +19.9%FY2026
EPS growth, the year after +0.5% +6.8% +10.4%
Revenue, next fiscal year $2.54BFY2027 $12.98BFY2026 $5.64BFY2026
Revenue growth, next FY +0.1%FY2027 +21.5%FY2026 +12.7%FY2026
Revenue growth, the year after +19.6% +4.6% +8.2%
JKHY estimates →FIS estimates →GEN estimates →

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersJKHYFISGEN
Held by institutions 96.5% 98.7% 89.1%
Institutions holding 713 858 690
Change in shares held, QoQ -4.3% +3.5% +3.8%
Institutions buying 340 415 392
Institutions selling 302 333 212
Buyers to sellers 1.13 1.25 1.85
JKHY holders →FIS holders →GEN holders →

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

JKHYFISGEN
JKHY 1.00 0.65 0.41
FIS 0.65 1.00 0.42
GEN 0.41 0.42 1.00

Add a Peer

Largest companies in the same industry
JKHY · Digital Banking
+HOODRobinhood Markets +XYZBlock +FISVFiserv +WSEWise +CHYMChime Financial +QTWOQ2 Holdings +DAVEDave +NCNOnCino
Plot all 30 Digital Banking stocks → Plot all 26 ERP Software stocks → Plot all 111 Cybersecurity Software stocks →

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Frequently Asked Questions

Which is bigger, JKHY, FIS and GEN?

Fidelity National Information Services (FIS) is the largest by market capitalisation: Jack Henry & Associates (JKHY) $11.46B, Fidelity National Information Services (FIS) $20.70B, Gen Digital (GEN) $17.72B.

Which stock is cheaper, JKHY, FIS and GEN?

Fidelity National Information Services (FIS) trades on the lowest price-to-earnings ratio (Jack Henry & Associates (JKHY) 23.4x, Fidelity National Information Services (FIS) 6.1x, Gen Digital (GEN) 14.8x). On next year's consensus earnings, Fidelity National Information Services (FIS) is cheapest (Jack Henry & Associates (JKHY) 21.7x, Fidelity National Information Services (FIS) 6.3x, Gen Digital (GEN) 9.7x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Fidelity National Information Services (FIS) grew revenue fastest over the trailing twelve months: Jack Henry & Associates (JKHY) +7.1%, Fidelity National Information Services (FIS) +18.3%, Gen Digital (GEN) +16.9%.

Which company is more profitable?

Fidelity National Information Services (FIS) has the highest net margin (Jack Henry & Associates (JKHY) 19.8%, Fidelity National Information Services (FIS) 27.6%, Gen Digital (GEN) 23.1%). On return on invested capital, Jack Henry & Associates (JKHY) leads (Jack Henry & Associates (JKHY) 22.7%, Fidelity National Information Services (FIS) 3.9%, Gen Digital (GEN) 14.4%).

Which stock has performed better?

Over the past year Gen Digital (GEN) returned the most: Jack Henry & Associates (JKHY) +9.7%, Fidelity National Information Services (FIS) -35.8%, Gen Digital (GEN) +13.4%. Over five years, Gen Digital (GEN) compounded fastest (Jack Henry & Associates (JKHY) +0.5%/yr, Fidelity National Information Services (FIS) -18.4%/yr, Gen Digital (GEN) +3.3%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Fidelity National Information Services (FIS) has the highest dividend yield: Jack Henry & Associates (JKHY) 1.47%, Fidelity National Information Services (FIS) 4.29%, Gen Digital (GEN) 1.71%.

Which stock is riskier?

By one-year price volatility, Jack Henry & Associates (JKHY) has been the steadiest (Jack Henry & Associates (JKHY) 29.5%, Fidelity National Information Services (FIS) 34.6%, Gen Digital (GEN) 43.0%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, JKHY, FIS and GEN?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Fidelity National Information Services (FIS) leads on 6. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.