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FIS vs JKHY
Which Stock Would AI Choose? Fidelity National Information Services (FIS) vs. Jack Henry & Associates (JKHY) Stock Comparison
Key Takeaways
- FIS is a global payments and banking technology leader with roughly double the market capitalization of JKHY, but it carries substantially more debt and is undergoing a business reset.
- JKHY is a nearly debt-free provider of core processing and payments software for U.S. banks and credit unions, and it recorded a company-record number of competitive core wins in its latest fiscal year.
- Both stocks have declined on a year-to-date basis, but JKHY has shown more resilient recent momentum, trading above key moving averages, while FIS remains below them.
- FIS lowered its full-year 2026 outlook and is exploring the sale of certain capital markets units, introducing execution uncertainty.
- Analyst sentiment leans positive on both names, though JKHY currently holds a higher proportion of Buy-equivalent ratings.
- Relative positioning favors JKHY on balance-sheet strength and trend consistency, while FIS offers a higher dividend yield and a lower earnings multiple.
Introduction
Fidelity National Information Services and Jack Henry & Associates both operate at the intersection of banking technology and payments, yet they serve very different parts of the financial-services ecosystem. Comparing them side by side is useful for investors weighing a diversified global fintech platform against a focused, domestically oriented core-banking software vendor. This stock comparison is particularly relevant for traders and long-term investors assessing relative performance, balance-sheet quality, and market positioning in a period when bank technology spending remains uneven. Understanding how each company converts recurring revenue into cash flow, and how each stock is behaving in the current market environment, can help clarify the trade-offs between scale and stability.
FIS Overview and Recent Performance
Fidelity National Information Services, Inc. (FIS) is a global financial technology company serving banks, merchants, and capital markets clients through banking solutions, payments processing, and capital markets technology. Recent market activity has been challenging: the stock has fallen more than 40% on a year-to-date basis and has traded below both its 50-day and 200-day moving averages, signaling weak price momentum. Sentiment has been pressured by management's decision to lower its 2026 revenue and adjusted earnings outlook and to explore divesting select capital markets units, moves tied to slower sales and softer backlog conversion in that segment. On the positive side, the company has highlighted record core wins in its community and regional banking unit and a partnership with AI (artificial intelligence) firm Anthropic aimed at financial-crime detection. Analysts maintain a consensus "Moderate Buy," though recent actions have included a downgrade to Equal-Weight by Wells Fargo and a Neutral initiation by Piper Sandler.
JKHY Overview and Recent Performance
Jack Henry & Associates, Inc. (JKHY) is a financial technology company that provides core processing, digital banking, and payment solutions primarily to U.S. banks and credit unions. Its latest fiscal fourth quarter produced better-than-expected earnings and revenue, supported by growth in cloud-related data processing, digital transactions, and faster payments, alongside a record 58 competitive core wins for the fiscal year. The stock is down on a year-to-date basis but has shown more constructive technical behavior, trading above its 50-day and 200-day moving averages in recent months. Recent catalysts include an expanded relationship with Google Cloud, positioning Jack Henry as a provider connected to a universal ledger for tokenized deposits and real-time settlement, as well as a Piper Sandler upgrade to Overweight. The company carries minimal debt and generated roughly $539 million in free cash flow in its latest fiscal year.
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Head-to-Head Comparison
The core contrast between these two names is scale versus focus. FIS operates a global, multi-segment platform spanning banking, payments, and capital markets, giving it broad diversification but also greater exposure to discretionary technology budgets and a heavier debt load of roughly $21 billion. JKHY, by contrast, is concentrated in U.S. regional and community financial institutions, with a nearly debt-free balance sheet and a long record of high client retention. Growth drivers differ accordingly: FIS is leaning on AI initiatives and cross-selling across its integrated portfolio, while Jack Henry is winning upmarket core conversions and expanding cloud and faster-payments revenue. On relative performance, JKHY has shown more stable recent momentum, whereas FIS faces an earnings reset and potential divestitures that add execution risk. In terms of valuation, FIS trades at a lower earnings multiple and a higher dividend yield, while JKHY commands a premium valuation reflecting its quality and durability.
Tickeron AI Verdict
Based on observable factors such as trend consistency, balance-sheet strength, and catalyst quality, Tickeron's AI would likely favor JKHY in the current environment. The stock's position above key moving averages, a record core-win pipeline, minimal debt, and a clearer growth framework suggest a more stable and constructive setup than FIS's ongoing portfolio reset. That said, the verdict is probabilistic rather than definitive: FIS offers a substantially higher dividend yield and a lower valuation multiple, which could appeal if the company executes its deleveraging and capital-markets repositioning successfully. Traders should weigh JKHY's steadier trend against FIS's deeper-value, higher-uncertainty profile rather than treating either name as an unambiguous choice.
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 FIS is a Hold and JKHY is a Hold.
FIS's MACD Histogram crosses above signal line
The Moving Average Convergence Divergence (MACD) for FIS turned positive on October 07, 2026. Looking at past instances where FIS's MACD turned positive, the stock continued to rise in 29 of 42 cases over the following month. The odds of a continued upward trend are 69%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 13, 2026. You may want to consider a long position or call options on FIS as a result. In 44 of 84 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 52%.
FIS moved above its 50-day moving average on October 29, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for FIS crossed bullishly above the 50-day moving average on October 30, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 10 of 18 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 56%.
Following a +7.70% 3-day Advance, the price is estimated to grow further. Considering data from situations where FIS advanced for three days, in 159 of 297 cases, the price rose further within the following month. The odds of a continued upward trend are 54%.
The Aroon Indicator entered an Uptrend today. In 116 of 223 cases where FIS Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 52%.
Bearish Trend Analysis
The RSI Indicator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.
The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where FIS 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 64%.
FIS broke above its upper Bollinger Band on October 30, 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.
Fundamental Analysis (Ratings)
The Tickeron Valuation Rating of 43 (best 1 - 100 worst) indicates that the company is fair valued 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 (1.291) is normal, around the industry mean (2.802). P/E Ratio (6.167) is within average values for comparable stocks, (18.164). Projected Growth (PEG Ratio) (0.180) is also within normal values, averaging (2.284). Dividend Yield (0.044) settles around the average of (0.195) among similar stocks. P/S Ratio (1.571) is also within normal values, averaging (139.965).
The Tickeron SMR rating for this company is 43 (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 57 (best 1 - 100 worst), indicating steady price growth. FIS’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
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.
The Tickeron PE Growth Rating for this company is 97 (best 1 - 100 worst), pointing to worse than 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 Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. FIS’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.
JKHY in upward trend: 10-day moving average crossed above 50-day moving average on October 27, 2026
The 10-day moving average for JKHY crossed bullishly above the 50-day moving average on October 27, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 12 of 17 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 71%.
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 46 of 86 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 53%.
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 26 of 43 cases over the following month. The odds of a continued upward trend are 60%.
JKHY moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend.
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 +2.38% 3-day Advance, the price is estimated to grow further. Considering data from situations where JKHY advanced for three days, in 171 of 325 cases, the price rose further within the following month. The odds of a continued upward trend are 53%.
The Aroon Indicator entered an Uptrend today. In 102 of 198 cases where JKHY Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 52%.
Bearish Trend Analysis
The 10-day RSI Indicator for JKHY moved out of overbought territory on October 27, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 27 similar instances where the indicator moved out of overbought territory. In 13 of the 27 cases, the stock moved lower in the following days. This puts the odds of a move lower at 48%.
The Stochastic Oscillator entered the overbought zone. Expect a price pull-back in the foreseeable future.
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 57%.
JKHY broke above its upper Bollinger Band on October 22, 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.
Fundamental Analysis (Ratings)
The Tickeron Price Growth Rating for this company is 36 (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 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 PE Growth Rating for this company is 50 (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 Seasonality Score of 75 (best 1 - 100 worst) indicates that the company is slightly 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.
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 (5.524) is normal, around the industry mean (2.802). P/E Ratio (23.094) is within average values for comparable stocks, (18.164). Projected Growth (PEG Ratio) (1.801) is also within normal values, averaging (2.284). Dividend Yield (0.015) settles around the average of (0.195) among similar stocks. P/S Ratio (4.500) is also within normal values, averaging (139.965).
The Tickeron Profit vs. Risk Rating rating for this company is 89 (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 better than average.
FIS | JKHY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 38 | 37 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 43 Fair valued | 76 Overvalued | |
PROFIT vs RISK RATING 1..100 | 100 | 89 | |
SMR RATING 1..100 | 43 | 40 | |
PRICE GROWTH RATING 1..100 | 57 | 36 | |
P/E GROWTH RATING 1..100 | 97 | 50 | |
SEASONALITY SCORE 1..100 | 85 | 75 |
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.
FIS's Valuation (43) in the Data Processing Services industry is somewhat better than the same rating for JKHY (76) in the Information Technology Services industry. This means that FIS’s stock grew somewhat faster than JKHY’s over the last 12 months.
JKHY's Profit vs Risk Rating (89) in the Information Technology Services industry is in the same range as FIS (100) in the Data Processing Services industry. This means that JKHY’s stock grew similarly to FIS’s over the last 12 months.
JKHY's SMR Rating (40) in the Information Technology Services industry is in the same range as FIS (43) in the Data Processing Services industry. This means that JKHY’s stock grew similarly to FIS’s over the last 12 months.
JKHY's Price Growth Rating (36) in the Information Technology Services industry is in the same range as FIS (57) in the Data Processing Services industry. This means that JKHY’s stock grew similarly to FIS’s over the last 12 months.
JKHY's P/E Growth Rating (50) in the Information Technology Services industry is somewhat better than the same rating for FIS (97) in the Data Processing Services industry. This means that JKHY’s stock grew somewhat faster than FIS’s over the last 12 months.
| FIS | JKHY | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 61% | 2 days ago 48% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 52% | 2 days ago 53% |
| MACD ODDS (%) | 2 days ago 69% | 2 days ago 60% |
| TrendWeek ODDS (%) | 2 days ago 58% | 2 days ago 51% |
| TrendMonth ODDS (%) | 2 days ago 54% | 2 days ago 51% |
| Advances ODDS (%) | 2 days ago 54% | 2 days ago 53% |
| Declines ODDS (%) | 8 days ago 64% | 7 days ago 57% |
| BollingerBands ODDS (%) | 2 days ago 68% | 2 days ago 57% |
| Aroon ODDS (%) | 2 days ago 52% | 2 days ago 52% |
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).
FIS’s FA Score shows that 0 FA rating(s) are green while JKHY’s FA Score has 0 green FA rating(s).
- FIS’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.
FIS’s TA Score shows that 6 TA indicator(s) are bullish while JKHY’s TA Score has 7 bullish TA indicator(s).
- FIS’s TA Score: 6 bullish, 4 bearish.
- JKHY’s TA Score: 7 bullish, 4 bearish.
Price Growth
FIS (@Information Technology Services) experienced а +8.90% price change this week, while JKHY (@Information Technology Services) price change was +0.66% for the same time period.
The average weekly price growth across all stocks in the @Information Technology Services industry was -0.64%. For the same industry, the average monthly price growth was -3.52%, and the average quarterly price growth was -13.63%.
Reported Earning Dates
FIS is expected to report earnings on Nov 04, 2026.
JKHY is expected to report earnings on Nov 03, 2026.
Industries' Descriptions
@Information Technology Services (-0.64% 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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FIS and
Correlation & Price change
A.I.dvisor indicates that over the last year, FIS has been loosely correlated with G. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if FIS jumps, then G could also see price increases.
| Ticker / NAME | Correlation To FIS | 1D Price Change % | ||
|---|---|---|---|---|
| FIS | 100% | -2.89% | ||
| G - FIS | 64% Loosely correlated | -0.74% | ||
| EXLS - FIS | 63% Loosely correlated | -0.94% | ||
| DXC - FIS | 61% Loosely correlated | -6.64% | ||
| GIB - FIS | 61% Loosely correlated | -1.68% | ||
| JKHY - FIS | 61% Loosely correlated | -1.08% | ||
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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% | -1.08% | ||
| FIS - JKHY | 61% Loosely correlated | -2.89% | ||
| BR - JKHY | 58% Loosely correlated | -0.25% | ||
| EXLS - JKHY | 56% Loosely correlated | -0.94% | ||
| CTSH - JKHY | 53% Loosely correlated | -1.94% | ||
| IT - JKHY | 51% Loosely correlated | -13.19% | ||
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