JKHY vs TOST
Jack Henry & Associates vs Toast, Inc. — AI-powered side-by-side comparison
JKHY
Jack Henry & Associates
70
Buy
VS
| Metric | JKHY | TOST |
|---|
| AI Score |
70
|
63
|
| Price |
$153.53
|
$34.89
|
| P/E Ratio |
21.46×
|
42.02×
|
| ROE |
21.4%
|
16.1%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
44.1%
|
26.7%
|
| Debt / Equity |
0.04×
|
0.00×
|
| Dividend Yield |
1.5%
|
0.0%
|
| RSI (14) |
52.8
|
68.2
|
| Beta |
0.553
|
1.725
|
| Expected Upside |
+17.3%
|
—
|
AI Committee View
Current Innellis committee reasoning for JKHY versus TOST.
JKHY leads by 7 points.
JKHY scores 70/100 (Buy) versus TOST at 63/100 (Buy).
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
TOST Committee View
50% agreement
6 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull Case
- ROE of 23.8% shows genuine earnings power backing the valuation — Value
- EPS growing 120.8% YoY — Growth
- MACD histogram positive -- bullish momentum — Technical
Bear Case
- P/E of 42.7 is expensive by classic value standards — Value
- Price-to-book of 13.4x prices in significant intangible value — Value
- Weekly RSI at 77 -- overbought on the larger timeframe too — Technical