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EXLS vs JKHY
Which Stock Would AI Choose? ExlService Holdings (EXLS) vs. Jack Henry & Associates (JKHY) Stock Comparison
Key Takeaways
- EXLS is growing significantly faster, with recent quarterly revenue up roughly 16% year over year, versus mid-single-digit growth for JKHY.
- Both companies serve regulated financial industries, but EXLS is positioned as a data and AI services provider, while JKHY is a financial technology infrastructure company.
- JKHY offers greater earnings stability and recurring revenue visibility, while EXLS carries stronger momentum but faces margin and integration risks.
- Both stocks have retreated over the past year, yet their relative performance reflects very different growth profiles and valuation debates.
- The comparison hinges on a trade-off between higher growth and volatility (EXLS) versus steadier, lower-growth quality (JKHY).
Introduction
Investors weighing exposure to the financial technology and services sector often face a choice between growth-oriented names and more defensive, recurring-revenue businesses. EXLS, or ExlService Holdings, is a global data and artificial intelligence (AI) services company. JKHY, or Jack Henry & Associates, is a financial technology provider serving banks and credit unions. This stock comparison examines their business models, recent relative performance, and market positioning. It may be most relevant to investors assessing whether to emphasize faster growth or steadier cash-flow profiles within the broader financial technology universe.
EXLS Overview and Recent Performance
ExlService Holdings is a data, analytics, and AI-led services company operating across insurance, healthcare and life sciences, banking and capital markets, and international growth markets. Over recent quarters, the company has leaned heavily into enterprise AI, with data and AI-led revenue now representing a majority of its business and growing at a notably faster pace than the overall firm. In its latest reported quarter, revenue rose about 16% year over year, and management raised full-year revenue and adjusted earnings guidance, citing accelerating demand for AI adoption.
Recent stock behavior has been volatile. EXLS shares rallied sharply following stronger-than-expected results and upbeat guidance, but remain below year-ago levels on a longer horizon. Sentiment has been shaped by enthusiasm around AI partnerships and an acquisition in the data-annotation space, balanced against concerns about margin pressure, rising selling and technology spending, and a valuation that trades at a premium to many services peers.
JKHY Overview and Recent Performance
Jack Henry & Associates is a financial technology company that provides core processing, payments, digital banking, and complementary solutions to roughly 7,400 banks and credit unions. Its model is built on highly durable relationships, with core-client retention above 99%, and a growing share of larger institutions among its competitive core wins. In its most recent fiscal year, revenue grew about 7% and the company reported record sales, supported by strength in cloud hosting, digital transactions, and faster payments.
Despite solid fundamentals, JKHY shares have pulled back in recent weeks and are lower year to date. The decline has occurred alongside mixed margin signals, higher personnel and infrastructure costs, and a valuation that remains above industry averages. Market sentiment has also been influenced by broader index-related changes and analyst debate over whether the stock's quality premium is fully justified. Still, the company's recurring revenue, dividend, and consistent buybacks underscore its defensive profile.
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Head-to-Head Comparison
The two companies differ most sharply in their growth engines and risk profiles. EXLS is a discretionary services provider whose revenue can accelerate quickly when clients expand AI and analytics projects, but whose margins are sensitive to labor costs and the mix shift away from legacy operations. JKHY, by contrast, generates a large share of revenue from long-term, mission-critical contracts, providing stability but limiting upside to mid-single-digit growth.
On momentum, EXLS has shown stronger recent relative strength, supported by upward guidance revisions and a visible AI narrative. JKHY has been steadier fundamentally but has underperformed on a short-term basis as sentiment cooled. Sector exposure also differs: EXLS spans multiple regulated industries, while JKHY is concentrated in U.S. community and regional financial institutions, tying it closely to bank technology spending and merger activity. Risk-wise, EXLS faces integration and margin execution risk, while JKHY faces a higher relative valuation and slower growth.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward EXLS in the current environment, given its stronger trend consistency, accelerating data and AI-led revenue, and upward guidance revisions. The faster growth and clearer near-term catalysts tend to align more closely with momentum-oriented signals. However, JKHY retains an edge on stability, recurring revenue, and balance-sheet quality. Because the two names serve different investor objectives, the AI's relative preference would depend on the selected timeframe and strategy, with the verdict favoring EXLS for momentum while acknowledging JKHY's more defensive positioning.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is EXLS is a Buy and JKHY is a StrongBuy.
EXLS sees its 50-day moving average cross bullishly above its 200-day moving average
The 50-day moving average for EXLS moved above the 200-day moving average on September 16, 2026. This could be a long-term bullish signal for the stock as the stock shifts to an upward trend.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 01, 2026. You may want to consider a long position or call options on EXLS as a result. In 62 of 95 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 65%.
The Moving Average Convergence Divergence (MACD) for EXLS just turned positive on October 05, 2026. Looking at past instances where EXLS's MACD turned positive, the stock continued to rise in 26 of 42 cases over the following month. The odds of a continued upward trend are 62%.
EXLS moved above its 50-day moving average on October 08, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for EXLS crossed bullishly above the 50-day moving average on October 12, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 13 of 20 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 65%.
Following a +3.17% 3-day Advance, the price is estimated to grow further. Considering data from situations where EXLS advanced for three days, in 177 of 302 cases, the price rose further within the following month. The odds of a continued upward trend are 59%.
Bearish Trend Analysis
The RSI Indicator demonstrates that the ticker has stayed in the overbought zone for 4 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 8 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where EXLS declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 59%.
EXLS broke above its upper Bollinger Band on October 20, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for EXLS entered a downward trend on October 08, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Price Growth Rating for this company is 37 (best 1 - 100 worst), indicating steady price growth. EXLS’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron SMR rating for this company is 37 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 52 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 63 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 93, placing this stock slightly better than average.
The Tickeron Valuation Rating of 76 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (7.179) is normal, around the industry mean (2.639). P/E Ratio (25.799) is within average values for comparable stocks, (16.561). Projected Growth (PEG Ratio) (0.899) is also within normal values, averaging (2.284). Dividend Yield (0.000) settles around the average of (0.109) among similar stocks. P/S Ratio (2.527) is also within normal values, averaging (141.758).
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
JKHY's RSI Oscillator climbs out of oversold territory
The RSI Indicator for JKHY moved out of oversold territory on October 05, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 38 similar instances when the indicator left oversold territory. In 20 of the 38 cases the stock moved higher. This puts the odds of a move higher at 53%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 08, 2026. You may want to consider a long position or call options on JKHY as a result. In 40 of 86 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 47%.
The Moving Average Convergence Divergence (MACD) for JKHY just turned positive on October 09, 2026. Looking at past instances where JKHY's MACD turned positive, the stock continued to rise in 22 of 42 cases over the following month. The odds of a continued upward trend are 52%.
The 50-day moving average for JKHY moved above the 200-day moving average on September 28, 2026. This could be a long-term bullish signal for the stock as the stock shifts to an upward trend.
Following a +2.21% 3-day Advance, the price is estimated to grow further. Considering data from situations where JKHY advanced for three days, in 170 of 326 cases, the price rose further within the following month. The odds of a continued upward trend are 52%.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 31 of 57 cases where JKHY's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 54%.
JKHY moved below its 50-day moving average on October 16, 2026 date and that indicates a change from an upward trend to a downward trend.
The 10-day moving average for JKHY crossed bearishly below the 50-day moving average on September 22, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 9 of 17 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 53%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where JKHY declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 56%.
JKHY broke above its upper Bollinger Band on October 13, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for JKHY entered a downward trend on October 13, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 40 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 48 (best 1 - 100 worst), indicating steady price growth. JKHY’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 56 (best 1 - 100 worst), pointing to average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Valuation Rating of 75 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (5.242) is normal, around the industry mean (2.639). P/E Ratio (21.916) is within average values for comparable stocks, (16.561). Projected Growth (PEG Ratio) (1.801) is also within normal values, averaging (2.284). Dividend Yield (0.016) settles around the average of (0.109) among similar stocks. P/S Ratio (4.500) is also within normal values, averaging (141.758).
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. JKHY’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 93, placing this stock worse than average.
EXLS | JKHY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 34 | 23 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 76 Overvalued | 75 Overvalued | |
PROFIT vs RISK RATING 1..100 | 63 | 100 | |
SMR RATING 1..100 | 37 | 40 | |
PRICE GROWTH RATING 1..100 | 37 | 48 | |
P/E GROWTH RATING 1..100 | 52 | 56 | |
SEASONALITY SCORE 1..100 | 85 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
JKHY's Valuation (75) in the Information Technology Services industry is in the same range as EXLS (76) in the Data Processing Services industry. This means that JKHY’s stock grew similarly to EXLS’s over the last 12 months.
EXLS's Profit vs Risk Rating (63) in the Data Processing Services industry is somewhat better than the same rating for JKHY (100) in the Information Technology Services industry. This means that EXLS’s stock grew somewhat faster than JKHY’s over the last 12 months.
EXLS's SMR Rating (37) in the Data Processing Services industry is in the same range as JKHY (40) in the Information Technology Services industry. This means that EXLS’s stock grew similarly to JKHY’s over the last 12 months.
EXLS's Price Growth Rating (37) in the Data Processing Services industry is in the same range as JKHY (48) in the Information Technology Services industry. This means that EXLS’s stock grew similarly to JKHY’s over the last 12 months.
EXLS's P/E Growth Rating (52) in the Data Processing Services industry is in the same range as JKHY (56) in the Information Technology Services industry. This means that EXLS’s stock grew similarly to JKHY’s over the last 12 months.
| EXLS | JKHY | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 60% | 2 days ago 53% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 54% |
| Momentum ODDS (%) | 2 days ago 65% | 2 days ago 47% |
| MACD ODDS (%) | 2 days ago 62% | 2 days ago 52% |
| TrendWeek ODDS (%) | 2 days ago 60% | 2 days ago 54% |
| TrendMonth ODDS (%) | 2 days ago 59% | 2 days ago 51% |
| Advances ODDS (%) | 2 days ago 59% | 8 days ago 52% |
| Declines ODDS (%) | 11 days ago 59% | 4 days ago 56% |
| BollingerBands ODDS (%) | 2 days ago 60% | 2 days ago 52% |
| Aroon ODDS (%) | 2 days ago 56% | 2 days ago 56% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
EXLS’s FA Score shows that 0 FA rating(s) are green while JKHY’s FA Score has 0 green FA rating(s).
- EXLS’s FA Score: 0 green, 5 red.
- JKHY’s FA Score: 0 green, 5 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
EXLS’s TA Score shows that 6 TA indicator(s) are bullish while JKHY’s TA Score has 5 bullish TA indicator(s).
- EXLS’s TA Score: 6 bullish, 5 bearish.
- JKHY’s TA Score: 5 bullish, 6 bearish.
Price Growth
EXLS (@Information Technology Services) experienced а +9.80% price change this week, while JKHY (@Information Technology Services) price change was -1.19% for the same time period.
The average weekly price growth across all stocks in the @Information Technology Services industry was -2.59%. For the same industry, the average monthly price growth was -6.40%, and the average quarterly price growth was -8.28%.
Reported Earning Dates
EXLS is expected to report earnings on Oct 27, 2026.
JKHY is expected to report earnings on Nov 03, 2026.
Industries' Descriptions
@Information Technology Services (-2.59% weekly)The industry, whose total market cap runs into trillions, makes hardware/software that allows data to be stored, retrieved, transmitted, and manipulated on computers. With the ever-increasing relevance of data, the information technology (IT) industry has gained momentous growth over the years, and continues to thrive on innovation. Some of the behemoths in the industry are International Business Machines Corporation, Accenture, and VMware, Inc.
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EXLS and
Correlation & Price change
A.I.dvisor indicates that over the last year, EXLS has been closely correlated with G. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if EXLS jumps, then G could also see price increases.
| Ticker / NAME | Correlation To EXLS | 1D Price Change % | ||
|---|---|---|---|---|
| EXLS | 100% | +0.39% | ||
| G - EXLS | 75% Closely correlated | +1.63% | ||
| CTSH - EXLS | 74% Closely correlated | +2.01% | ||
| GLOB - EXLS | 64% Loosely correlated | +3.72% | ||
| GIB - EXLS | 63% Loosely correlated | +0.75% | ||
| JKHY - EXLS | 56% Loosely correlated | -0.84% | ||
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JKHY and
Correlation & Price change
A.I.dvisor indicates that over the last year, JKHY has been loosely correlated with FIS. These tickers have moved in lockstep 61% of the time. This A.I.-generated data suggests there is some statistical probability that if JKHY jumps, then FIS could also see price increases.
| Ticker / NAME | Correlation To JKHY | 1D Price Change % | ||
|---|---|---|---|---|
| JKHY | 100% | -0.84% | ||
| FIS - JKHY | 61% Loosely correlated | -0.03% | ||
| BR - JKHY | 58% Loosely correlated | -0.94% | ||
| EXLS - JKHY | 56% Loosely correlated | +0.39% | ||
| CTSH - JKHY | 53% Loosely correlated | +2.01% | ||
| IT - JKHY | 51% Loosely correlated | -0.03% | ||
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