Euronet Worldwide vs Jack Henry & Associates
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The short version
- Euronet Worldwide is the larger business, with $4.2B of revenue in fiscal 2025 against $2.5B for Jack Henry & Associates, about 1.7 times as much.
- Jack Henry & Associates grew revenue faster (7.1%, against 6.4%).
- Jack Henry & Associates kept more of each dollar of sales as operating profit (25.0% operating margin, against 12.5%).
- Jack Henry & Associates turned more of its sales into free cash flow (27.3% FCF margin, against 10.2%).
- Euronet Worldwide earned a higher return on the capital invested in it (29.9%, against 23.8%).
| Latest fiscal year | EEFT · FY25 | JKHY · FY26 |
|---|---|---|
| Size | ||
| Market cap | $3.0B | $11.7B |
| Revenue | $4.2B | $2.5B |
| Free cash flow | $434M | $695M |
| Net income | $310M | $503M |
| Growth | ||
| Revenue growth | 6.4% | 7.1% |
| 5-year growth | 11.3% | 7.7% |
| Share count change | −4.8% | −1.4% |
| Profitability | ||
| Gross margin | — | 43.7% |
| Operating margin | 12.5% | 25.0% |
| Net margin | 7.3% | 19.8% |
| FCF margin | 10.2% | 27.3% |
| Return on capital | 29.9% | 23.8% |
| Return on equity | 24.4% | 24.0% |
| Balance sheet | ||
| Net debt | $32.2M | $27.9M |
| Net debt / EBITDA | 0.1x | 0.0x |
| Dividends and buybacks | $668M | $619M |
| Valuation & quality | ||
| P/E | 10.4x | — |
| Piotroski F-score | 7 | 7 |
Revenue
FY17
EEFT $2.3B
JKHY $1.4B
FY18
EEFT $2.5B
JKHY $1.5B
FY19
EEFT $2.8B
JKHY $1.6B
FY20
EEFT $2.5B
JKHY $1.7B
FY21
EEFT $3.0B
JKHY $1.8B
FY22
EEFT $3.4B
JKHY $1.9B
FY23
EEFT $3.7B
JKHY $2.1B
FY24
EEFT $4.0B
JKHY $2.2B
FY25
EEFT $4.2B
JKHY $2.4B
FY26
EEFT —
JKHY $2.5B
EEFT
JKHY
Operating margin
FY17
EEFT 11.8%
JKHY 23.9%
FY18
EEFT 14.1%
JKHY 23.3%
FY19
EEFT 17.3%
JKHY 22.4%
FY20
EEFT 1.9%
JKHY 22.4%
FY21
EEFT 6.1%
JKHY 22.7%
FY22
EEFT 11.5%
JKHY 24.4%
FY23
EEFT 11.7%
JKHY 23.1%
FY24
EEFT 12.6%
JKHY 22.1%
FY25
EEFT 12.5%
JKHY 23.9%
FY26
EEFT —
JKHY 25.0%
EEFT
JKHY
Free cash flow
FY17
EEFT $189M
JKHY $315M
FY18
EEFT $285M
JKHY $372M
FY19
EEFT $373M
JKHY $378M
FY20
EEFT $156M
JKHY $457M
FY21
EEFT $314M
JKHY $439M
FY22
EEFT $644M
JKHY $470M
FY23
EEFT $549M
JKHY $342M
FY24
EEFT $616M
JKHY $510M
FY25
EEFT $434M
JKHY $588M
FY26
EEFT —
JKHY $695M
EEFT
JKHY
Return on capital
FY17
EEFT 15.3%
JKHY 23.5%
FY18
EEFT 25.5%
JKHY 30.7%
FY19
EEFT 32.8%
JKHY 20.7%
FY20
EEFT 2.1%
JKHY 22.2%
FY21
EEFT 9.0%
JKHY 23.1%
FY22
EEFT 17.6%
JKHY 25.9%
FY23
EEFT 17.6%
JKHY 22.4%
FY24
EEFT 24.2%
JKHY 20.1%
FY25
EEFT 29.9%
JKHY 22.7%
FY26
EEFT —
JKHY 23.8%
EEFT
JKHY
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.