JKHY vs PAYC
Jack Henry & Associates vs Paycom Software, Inc. — AI-powered side-by-side comparison
JKHY
Jack Henry & Associates
70
Buy
VS
PAYC
Paycom Software, Inc.
57
Watch
| Metric | JKHY | PAYC |
|---|
| AI Score |
70
|
57
|
| Price |
$153.53
|
$212.31
|
| P/E Ratio |
21.46×
|
22.51×
|
| ROE |
21.4%
|
26.2%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
44.1%
|
80.1%
|
| Debt / Equity |
0.04×
|
1.72×
|
| Dividend Yield |
1.5%
|
0.7%
|
| RSI (14) |
52.8
|
84.0
|
| Beta |
0.553
|
0.725
|
| Expected Upside |
+17.3%
|
—
|
AI Committee View
Current Innellis committee reasoning for JKHY versus PAYC.
JKHY leads by 13 points.
JKHY scores 70/100 (Buy) versus PAYC at 57/100 (Watch).
JKHY Committee View
75% agreement
4 analysts
The primary driver is 4 consecutive earnings beats -- consistent execution. The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull Case
- 4 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- MACD histogram negative -- bearish momentum — Technical
PAYC Committee View
67% agreement
6 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Growth Analyst remains cautious. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- ROE of 31.0% shows genuine earnings power backing the valuation — Value
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- Price-to-book of 5.2x prices in significant intangible value — Value
- RSI at 84 is in overbought territory — Technical
- Daily trend (uptrend) conflicts with the weekly trend (downtrend) -- fighting the larger trend — Technical