Jack Henry & Associates vs Western Union
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KIRA’s take AI analyst
I put Jack Henry & Associates and Western Union side by side, using each one’s latest annual report. Here is what stands out:
- Western Union is the larger business, with $4.1B of revenue in fiscal 2025 against $2.5B for Jack Henry & Associates, about 1.6 times as much.
- Jack Henry & Associates grew revenue faster (7.1%, against −3.8%).
- Jack Henry & Associates kept more of each dollar of sales as operating profit (25.0% operating margin, against 18.7%).
- Jack Henry & Associates turned more of its sales into free cash flow (27.3% FCF margin, against 12.5%).
Who comes out ahead
Of the 10 measures where higher (or lower) is clearly better, how many each company leads.
Jack Henry & Associates
JKHY
7/10
Revenue growth5-year growthGross marginOperating marginNet marginFCF marginNet debt / EBITDA
Western Union
WU
3/10
Return on capitalReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | JKHY FY26 | WU FY25 |
|---|---|---|
| Size | ||
| Market cap | $11.7B | $1.9B |
| Revenue | $2.5B | $4.1B |
| Free cash flow | $695M | $505M |
| Net income | $503M | $500M |
| Growth | ||
| Revenue growth | 7.1% | −3.8% |
| 5-year growth | 7.7% | −3.5% |
| Share count change | −1.4% | −4.0% |
| Profitability | ||
| Gross margin | 43.7% | 37.0% |
| Operating margin | 25.0% | 18.7% |
| Net margin | 19.8% | 12.3% |
| FCF margin | 27.3% | 12.5% |
| Return on capital | 23.8% | 24.0% |
| Return on equity | 24.0% | 51.9% |
| Balance sheet | ||
| Net debt | $27.9M | $1.6B |
| Net debt / EBITDA | 0.0x | 1.8x |
| Dividends and buybacks | $619M | $544M |
| Valuation & quality | ||
| P/E | — | 5.1x |
| 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.