Euronet Worldwide vs Jack Henry & Associates
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KIRA’s take AI analyst
I put Euronet Worldwide and Jack Henry & Associates side by side, using each one’s latest annual report. Here is what stands out:
- 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%).
Who comes out ahead
Of the 10 measures where higher (or lower) is clearly better, how many each company leads.
Euronet Worldwide
EEFT
4/10
5-year growthReturn on capitalReturn on equityShare count change
Jack Henry & Associates
JKHY
5/10
Revenue growthOperating marginNet marginFCF marginNet debt / EBITDA
Side by side
Best in the row
| 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 |
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.