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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Jack Henry & Associates (JKHY) and International Business Machines (IBM) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees International Business Machines as the less overvalued of the two: Jack Henry & Associates trades at $157 versus a fair value of $83.39 (-47%), while International Business Machines trades at $233 versus $144 (-38%).
Jack Henry & Associates
JKHY · USD · Financials
-47%
upside to fair value
overvalued
Price$157
Fair Value$83.39
Quality71/100
International Business Machines
IBM · USD · Information Technology
-38%
upside to fair value
overvalued
Price$233
Fair Value$144
Quality60/100

Head-to-head numbers

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

Jack Henry & AssociatesInternational Business Machines
Valuation
21.0×P/E (TTM)25.7×
4.25×P/S (TTM)2.96×
5.01×P/B6.25×
14.9×EV/EBITDA14.8×
2.03×PEG2.71×
1.6%Dividend yield2.3%
$2.35Dividend per share$6.72
Profitability
21%Net margin16%
24%Operating margin14%
25%Return on equity36%
14%Return on assets5%
Growth
9%Revenue growth (YoY)10%
6.9%Avg. growth/yr (3Y)3.7%
7.0%Avg. growth/yr (5Y)-1.7%
Balance & size
0.03×Debt / equity1.68×
$11BMarket cap$204B
healthyGrowth qualityweak

Jack Henry & Associates leads: 9 to 5 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.

Jack Henry & Associatesof which business quality 77 · market factors 49 International Business Machinesof which business quality 61 · market factors 39
ProfitabilityMargins and returns on capital today
71
59
Quality GrowthAre margins and returns improving?
64
68
CashflowEarnings quality: real cash, not paper profit
86
70
Fin. StrengthBalance sheet, leverage, solvency risk
77
39
InvestmentDisciplined investing over empire-building
78
66
Low VolatilityCalm price path (market factor)
83
54
MomentumPrice trend over the last 3–12 months (market factor)
32
38
52W MomentumDistance to the 52-week high (market factor)
39
24
Net IssuanceBuybacks instead of dilution
83
69

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Jack Henry & Associates

DCF Models$162
Earnings-Based$68.16
Dividend Discount$40.77
Multiples$109
Asset-Based$20.09
Growth DCF$146
Economic Profit$71.56
Growth Earnings$110

19 of 26 models see the stock below the current price.

International Business Machines

DCF Models$137
Earnings-Based$84.63
Dividend Discount$76.30
Multiples$161
Asset-Based$23.27
Growth DCF$125
Economic Profit$84.51
Growth Earnings$171

24 of 24 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.

Jack Henry & Associates
Bear $62.54Fair Value $83.39Bull $197
$157 = current price (white tick)
International Business Machines
Bear $89.31Fair Value $144Bull $208
$233 = current price (white tick)

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Ranked within their sector

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

Jack Henry & Associates · Financials

Quality score71 · Top 25%
Fair value upside-47% · bottom 25%

International Business Machines · Information Technology

Quality score60 · Top 25%
Fair value upside-38% · below median

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees International Business Machines as the less overvalued of the two: Jack Henry & Associates trades at $157 versus a fair value of $83.39 (-47%), while International Business Machines trades at $233 versus $144 (-38%).

Jack Henry & Associates has the higher quality score (71/100).

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

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.