Jack Henry & Associates vs Payoneer Global
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KIRA’s take AI analyst
I put Jack Henry & Associates and Payoneer Global side by side, using each one’s latest annual report. Here is what stands out:
- 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%).
Who comes out ahead
Of the 7 measures where higher (or lower) is clearly better, how many each company leads.
Jack Henry & Associates
JKHY
4/7
Operating marginNet marginFCF marginReturn on equity
Payoneer Global
PAYO
3/7
Revenue growth5-year growthShare count change
Side by side
Best in the row
| 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 | — |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.