EN DE
STOCK COMPARISON

International Business Machines vs Jack Henry & Associates: Fair Value & Quality

Both stocks run through our valuation models. Here is how International Business Machines (IBM) and Jack Henry & Associates (JKHY) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees International Business Machines as the less overvalued of the two: International Business Machines trades at $235 versus a fair value of $176 (-25%), while Jack Henry & Associates trades at $168 versus $83.39 (-50%).
International Business Machines
IBM · USD · Information Technology
-25%
upside to fair value
overvalued
Price$235
Fair Value$176
Quality67/100
Jack Henry & Associates
JKHY · USD · Financials
-50%
upside to fair value
overvalued
Price$168
Fair Value$83.39
Quality79/100
Get comparisons like this free by email every month: the most undervalued quality stocks.

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

International Business MachinesJack Henry & Associates
Valuation
25.7×P/E (TTM)21.0×
2.96×P/S (TTM)4.25×
6.25×P/B5.01×
14.8×EV/EBITDA14.9×
2.71×PEG2.03×
−25.1%Fair value upside−50.5%
2.9%Dividend yield1.4%
$6.72Dividend per share$2.35
Profitability
14%Operating margin24%
1.63×EBIT margin trend (5Y)1.07×
36%Return on equity25%
5%Return on assets14%
Growth
10%Revenue growth (YoY)9%
3.7%Avg. growth/yr (3Y)6.9%
-1.7%Avg. growth/yr (5Y)7.0%
+16.1%Value creation/yr+11.5%
Balance & size
5.3×Interest coverage (EBIT/interest)54.5×
1.68×Debt / equity0.03×
$204BMarket cap$11B
weakGrowth qualityhealthy
Valuation multiples (P/E, P/S, P/B, EV/EBITDA) are shown but not scored here: the two companies sit in different sectors, and multiples only compare fairly between similar business models. PEG stays scored, as it relates the P/E to growth.

Jack Henry & Associates leads: 4 to 8 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

International Business Machinesof which business quality 61 · market factors 35 Jack Henry & Associatesof which business quality 77 · market factors 61
ProfitabilityMargins and returns on capital today
59
71
Quality GrowthAre margins and returns improving?
68
64
CashflowEarnings quality: real cash, not paper profit
70
86
Fin. StrengthBalance sheet, leverage, solvency risk
39
77
InvestmentDisciplined investing over empire-building
66
78
Low VolatilityCalm price path (market factor)
54
83
MomentumPrice trend over the last 3–12 months (market factor)
27
52
52W MomentumDistance to the 52-week high (market factor)
25
53
Net IssuanceBuybacks instead of dilution
69
83

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyInternational Business MachinesPrice $235Jack Henry & AssociatesPrice $168
DCF Models-27%below the price$170-25%below the price$126
Earnings-Based-64%below the price$84.63-25%below the price$126
Dividend Discount-67%below the price$76.30-76%below the price$40.77
Multiples-12%close to the price$206-63%below the price$62.69
Asset-Based-90%below the price$23.27-88%below the price$20.09
Growth DCF-47%below the price$125-18%below the price$139
Economic Profit-64%below the price$84.51-67%below the price$54.92
Growth Earnings+1%close to the price$237n/a
Minimum-90%below the price$23.27-88%below the price$20.09
Maximum+1%close to the price$237-18%below the price$139
Median-55%below the price$105-63%below the price$62.69
Geometric mean-56%below the price$103-60%below the price$67.22

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

International Business Machines: 21 of 24 models see the stock below the current price.

Jack Henry & Associates: 10 of 13 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

International Business Machines
Bear $111Fair Value $176Bull $273
$235 = current price (white tick)
Jack Henry & Associates
Bear $62.54Fair Value $83.39Bull $194
$168 = current price (white tick)

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

International Business Machines · Information Technology

Quality score67 · Top 25%
Fair value upside-25% · above median

Jack Henry & Associates · Financials

Quality score79 · Top 25%
Fair value upside-50% · bottom 25%

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees International Business Machines as the less overvalued of the two: International Business Machines trades at $235 versus a fair value of $176 (-25%), while Jack Henry & Associates trades at $168 versus $83.39 (-50%).

Jack Henry & Associates has the higher quality score (79/100).

See the full analysis →
International Business Machines · Jack Henry & Associates

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Related to International Business Machines

Alphabet Inc Class C vs Verizon CommunicationsAlphabet Inc Class C vs At&tAlphabet Inc Class C vs NetEaseAmazon.com vs PDD Holdings

Related to Jack Henry & Associates

Amazon.com vs Sony GroupMeta Platforms vs Verizon CommunicationsMeta Platforms vs At&tMeta Platforms vs NetEase
Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.