JKHY vs UMC
Jack Henry & Associates vs United Microelectronics Corporation — AI-powered side-by-side comparison
JKHY
Jack Henry & Associates
70
Buy
VS
UMC
United Microelectronics Corporation
56
Watch
| Metric | JKHY | UMC |
|---|
| AI Score |
70
|
56
|
| Price |
$153.53
|
$18.94
|
| P/E Ratio |
21.46×
|
18.39×
|
| ROE |
21.4%
|
10.6%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
44.1%
|
30.6%
|
| Debt / Equity |
0.04×
|
0.12×
|
| Dividend Yield |
1.5%
|
2.1%
|
| RSI (14) |
52.8
|
43.3
|
| Beta |
0.553
|
1.556
|
| Expected Upside |
+17.3%
|
—
|
AI Committee View
Current Innellis committee reasoning for JKHY versus UMC.
JKHY leads by 14 points.
JKHY scores 70/100 (Buy) versus UMC at 56/100 (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
UMC 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
- Low leverage (debt-to-equity 0.21) -- balance sheet can absorb a shock — Risk
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- P/E of 29.1 is moderate-to-rich — Value
- MACD histogram negative -- bearish momentum — Technical
- Bollinger bandwidth of 36.0% signals elevated volatility — Risk