Jack Henry & Associates vs Payoneer Global
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The short version
- Jack Henry & Associates is the larger business, with $2.5B of revenue in fiscal 2026 against $1.1B for Payoneer Global, about 2.4 times as much.
- Payoneer Global grew revenue faster (7.7%, against 7.1%).
- Jack Henry & Associates kept more of each dollar of sales as operating profit (25.0% operating margin, against 11.8%).
- Jack Henry & Associates turned more of its sales into free cash flow (27.3% FCF margin, against 19.6%).
| Latest fiscal year | JKHY · FY26 | PAYO · FY25 |
|---|---|---|
| Size | ||
| Market cap | $11.7B | $2.4B |
| Revenue | $2.5B | $1.1B |
| Free cash flow | $695M | $207M |
| Net income | $503M | $73.2M |
| Growth | ||
| Revenue growth | 7.1% | 7.7% |
| 5-year growth | 7.7% | 25.0% |
| Share count change | −1.4% | −2.5% |
| Profitability | ||
| Gross margin | 43.7% | — |
| Operating margin | 25.0% | 11.8% |
| Net margin | 19.8% | 7.0% |
| FCF margin | 27.3% | 19.6% |
| Return on capital | 23.8% | — |
| Return on equity | 24.0% | 10.2% |
| Balance sheet | ||
| Net debt | $27.9M | — |
| Net debt / EBITDA | 0.0x | — |
| Dividends and buybacks | $619M | $174M |
| Valuation & quality | ||
| P/E | — | 51.1x |
| Piotroski F-score | 7 | — |
Revenue
FY17
JKHY $1.4B
PAYO —
FY18
JKHY $1.5B
PAYO —
FY19
JKHY $1.6B
PAYO $318M
FY20
JKHY $1.7B
PAYO $346M
FY21
JKHY $1.8B
PAYO $473M
FY22
JKHY $1.9B
PAYO $628M
FY23
JKHY $2.1B
PAYO $831M
FY24
JKHY $2.2B
PAYO $978M
FY25
JKHY $2.4B
PAYO $1.1B
FY26
JKHY $2.5B
PAYO —
JKHY
PAYO
Operating margin
FY17
JKHY 23.9%
PAYO —
FY18
JKHY 23.3%
PAYO —
FY19
JKHY 22.4%
PAYO 1.2%
FY20
JKHY 22.4%
PAYO −5.0%
FY21
JKHY 22.7%
PAYO −6.4%
FY22
JKHY 24.4%
PAYO −3.5%
FY23
JKHY 23.1%
PAYO 12.5%
FY24
JKHY 22.1%
PAYO 15.2%
FY25
JKHY 23.9%
PAYO 11.8%
FY26
JKHY 25.0%
PAYO —
JKHY
PAYO
Free cash flow
FY17
JKHY $315M
PAYO —
FY18
JKHY $372M
PAYO —
FY19
JKHY $378M
PAYO −$23.5M
FY20
JKHY $457M
PAYO $4.5M
FY21
JKHY $439M
PAYO $13.1M
FY22
JKHY $470M
PAYO $73.5M
FY23
JKHY $342M
PAYO $151M
FY24
JKHY $510M
PAYO $169M
FY25
JKHY $588M
PAYO $207M
FY26
JKHY $695M
PAYO —
JKHY
PAYO
Return on capital
FY17
JKHY 23.5%
PAYO —
FY18
JKHY 30.7%
PAYO —
FY19
JKHY 20.7%
PAYO —
FY20
JKHY 22.2%
PAYO —
FY21
JKHY 23.1%
PAYO —
FY22
JKHY 25.9%
PAYO —
FY23
JKHY 22.4%
PAYO —
FY24
JKHY 20.1%
PAYO —
FY25
JKHY 22.7%
PAYO —
FY26
JKHY 23.8%
PAYO —
JKHY
PAYO
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.