Investors screening financial technology and data-services companies frequently encounter three very different businesses that serve overlapping customers: EXLS, FIS, and JKHY. ExlService Holdings supplies data analytics, AI, and digitally enabled operations; Fidelity National Information Services provides core banking, payments, and capital-markets technology; and Jack Henry & Associates focuses on community and regional banks and credit unions. This stock comparison examines their business models, recent momentum, and market positioning to help traders and investors weigh growth against stability in the current environment.
ExlService Holdings (EXLS) delivers data, analytics, and AI-led operations to clients in insurance, healthcare, banking, and capital markets. In recent quarters the company has leaned heavily into enterprise AI, announcing an agreement to acquire iMerit and deepening partnerships with major AI platforms to expand foundation-model and agentic-AI capabilities.
Financially, EXLS has been the fastest grower of the three, reporting double-digit revenue growth and repeatedly raising its full-year outlook. In its most recent quarterly results, revenue rose roughly 15% year over year, and management raised guidance while continuing share repurchases. This momentum triggered a strong rebound in the stock over recent weeks, although the shares remain lower on a trailing 12-month basis. Market sentiment has centered on whether the AI-driven narrative can convert into durable margin expansion as talent and compliance costs rise.
Fidelity National Information Services (FIS) is a global financial technology provider spanning core banking, payments, and capital markets, serving institutions from the largest banks to community lenders. The company has emphasized recurring revenue, margin expansion, and free cash flow, and it recently announced an AI agreement with Anthropic to build agents for regulated banking use cases.
Despite stronger profitability and improved free cash flow, FIS has faced headwinds. Management lowered its full-year outlook and disclosed it was exploring the sale of select capital-markets units after softer sales and slower backlog conversion, which it attributed partly to geopolitical and trade-policy uncertainty. The shares have declined materially year to date and carry elevated leverage compared with peers. Investor attention has focused on whether portfolio simplification and deleveraging can restore confidence in a more predictable growth trajectory.
Jack Henry & Associates (JKHY) provides core processing, payments, and complementary solutions primarily to U.S. banks and credit unions. Its business is built on exceptionally high client retention and recurring, transaction-driven revenue, and it recently reported a record number of competitive core wins alongside continued cloud adoption and faster-payments growth.
Recent performance has reflected steady, mid-single-digit revenue growth, though higher personnel and investment costs have pressured margins in the near term. The company issued a conservative margin-expansion outlook for the coming fiscal year as it absorbs cyber, infrastructure, and AI investment costs. The stock has pulled back over recent months despite positive analyst actions, leaving it trading below its average price target. Sentiment hinges on whether upmarket momentum with larger institutions can sustain growth without further margin compression.
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The three companies diverge most clearly on growth, leverage, and customer concentration. EXLS is the growth-oriented play, with double-digit revenue expansion and an AI-centric strategy, but it also carries execution risk around margins and wage inflation in offshore delivery. FIS offers the broadest scale and strongest cash generation, yet its elevated debt and capital-markets reset introduce restructuring and execution uncertainty. JKHY provides the most defensive, annuity-like revenue stream with low leverage, but trades at a valuation premium that leaves less room for error if margin expansion disappoints.
On recent momentum, EXLS has outperformed over the past several weeks following its guidance raise, while FIS and JKHY have both trended lower year to date despite improving fundamentals. Sector exposure also differs: EXLS spans insurance and healthcare, FIS spans global banking and capital markets, and JKHY is concentrated in U.S. community and regional institutions, making it more sensitive to domestic banking consolidation.
Based on observable factors, Tickeron's AI would likely favor EXLS in the current environment. Its combination of accelerating revenue growth, upward guidance revisions, and a clearly defined AI catalyst suggests stronger trend consistency and positive relative momentum, despite lingering valuation and margin questions. JKHY presents the most stable, lower-volatility profile and would appeal to a risk-conscious, trend-following model, while FIS currently reflects a transitional phase with less favorable near-term positioning until its portfolio reset resolves. As with any probabilistic framework, these signals describe relative tendencies rather than certain outcomes.
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The Moving Average Convergence Divergence (MACD) for EXLS turned positive on October 05, 2026. Looking at past instances where EXLS's MACD turned positive, the stock continued to rise in 30 of 42 cases over the following month. The odds of a continued upward trend are 71%.
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 57 of 95 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 60%.
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 10 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 50%.
Following a +5.02% 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%.
The RSI Indicator demonstrates that the ticker has stayed in the overbought zone for 6 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 10 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 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.
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.
The Tickeron Price Growth Rating for this company is 36 (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 60 (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 77 (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 (7.403) is normal, around the industry mean (2.645). P/E Ratio (26.604) is within average values for comparable stocks, (16.736). Projected Growth (PEG Ratio) (0.899) is also within normal values, averaging (2.284). Dividend Yield (0.000) settles around the average of (0.118) among similar stocks. P/S Ratio (2.527) is also within normal values, averaging (139.965).
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 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 24 of 42 cases over the following month. The odds of a continued upward trend are 57%.
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 41 of 85 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 48%.
FIS 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.
Following a +2.64% 3-day Advance, the price is estimated to grow further. Considering data from situations where FIS advanced for three days, in 158 of 297 cases, the price rose further within the following month. The odds of a continued upward trend are 53%.
The 10-day RSI Indicator for FIS moved out of overbought territory on October 23, 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 29 similar instances where the indicator moved out of overbought territory. In 21 of the 29 cases, the stock moved lower in the following days. This puts the odds of a move lower at 72%.
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 9 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 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 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.
The Aroon Indicator for FIS 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.
The Tickeron Valuation Rating of 41 (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 (1.207) is normal, around the industry mean (2.645). P/E Ratio (5.765) is within average values for comparable stocks, (16.736). Projected Growth (PEG Ratio) (0.180) is also within normal values, averaging (2.284). Dividend Yield (0.047) settles around the average of (0.118) 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 59 (best 1 - 100 worst), indicating fairly steady price growth. FIS’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
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.
The Moving Average Convergence Divergence (MACD) for JKHY turned positive on October 09, 2026. Looking at past instances where JKHY's MACD turned positive, the stock continued to rise in 24 of 42 cases over the following month. The odds of a continued upward trend are 57%.
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 39 of 86 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 45%.
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 +5.96% 3-day Advance, the price is estimated to grow further. Considering data from situations where JKHY advanced for three days, in 170 of 324 cases, the price rose further within the following month. The odds of a continued upward trend are 52%.
The RSI Indicator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
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 10 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 59%.
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 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.
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.
The Tickeron Price Growth Rating for this company is 35 (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 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 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 (5.554) is normal, around the industry mean (2.645). P/E Ratio (23.221) is within average values for comparable stocks, (16.736). Projected Growth (PEG Ratio) (1.801) is also within normal values, averaging (2.284). Dividend Yield (0.015) settles around the average of (0.118) 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 96 (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 | FIS | JKHY | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 38 | 26 | 38 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 77 Overvalued | 41 Fair valued | 76 Overvalued | |
PROFIT vs RISK RATING 1..100 | 60 | 100 | 96 | |
SMR RATING 1..100 | 37 | 43 | 40 | |
PRICE GROWTH RATING 1..100 | 36 | 59 | 35 | |
P/E GROWTH RATING 1..100 | 52 | 97 | 52 | |
SEASONALITY SCORE 1..100 | 85 | 90 | 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.
FIS's Valuation (41) in the Data Processing Services industry is somewhat better than the same rating for JKHY (76) in the Information Technology Services industry, and is somewhat better than the same rating for EXLS (77) in the Data Processing Services industry. This means that FIS's stock grew somewhat faster than JKHY’s and somewhat faster than EXLS’s over the last 12 months.
EXLS's Profit vs Risk Rating (60) in the Data Processing Services industry is somewhat better than the same rating for JKHY (96) in the Information Technology Services industry, and is somewhat better than the same rating for FIS (100) in the Data Processing Services industry. This means that EXLS's stock grew somewhat faster than JKHY’s and somewhat faster than FIS’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, and is in the same range as FIS (43) in the Data Processing Services industry. This means that EXLS's stock grew similarly to JKHY’s and similarly to FIS’s over the last 12 months.
JKHY's Price Growth Rating (35) in the Information Technology Services industry is in the same range as EXLS (36) in the Data Processing Services industry, and is in the same range as FIS (59) in the Data Processing Services industry. This means that JKHY's stock grew similarly to EXLS’s and similarly to FIS’s over the last 12 months.
JKHY's P/E Growth Rating (52) in the Information Technology Services industry is in the same range as EXLS (52) in the Data Processing Services industry, and is somewhat better than the same rating for FIS (97) in the Data Processing Services industry. This means that JKHY's stock grew similarly to EXLS’s and somewhat faster than FIS’s over the last 12 months.
| EXLS | FIS | JKHY | |
|---|---|---|---|
| RSI ODDS (%) | 1 day ago 54% | 1 day ago 72% | 1 day ago 38% |
| Stochastic ODDS (%) | 1 day ago 62% | 1 day ago 68% | 1 day ago 56% |
| Momentum ODDS (%) | 1 day ago 60% | 1 day ago 48% | 1 day ago 45% |
| MACD ODDS (%) | 1 day ago 71% | 1 day ago 57% | 1 day ago 57% |
| TrendWeek ODDS (%) | 1 day ago 60% | 1 day ago 58% | 1 day ago 51% |
| TrendMonth ODDS (%) | 1 day ago 59% | 1 day ago 54% | 1 day ago 51% |
| Advances ODDS (%) | 3 days ago 59% | 10 days ago 53% | 1 day ago 52% |
| Declines ODDS (%) | 13 days ago 59% | 6 days ago 64% | 6 days ago 56% |
| BollingerBands ODDS (%) | 1 day ago 60% | 1 day ago 68% | 1 day ago 48% |
| Aroon ODDS (%) | 1 day ago 54% | 1 day ago 68% | 1 day ago 60% |
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 FIS’s FA Score has 0 green FA rating(s), and JKHY’s FA Score reflects 0 green FA rating(s).
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 5 TA indicator(s) are bullish while FIS’s TA Score has 4 bullish TA indicator(s), and JKHY’s TA Score reflects 5 bullish TA indicator(s).
EXLS (@Information Technology Services) experienced а +7.05% price change this week, while FIS (@Information Technology Services) price change was +4.22% , and JKHY (@Information Technology Services) price fluctuated +6.11% for the same time period.
The average weekly price growth across all stocks in the @Information Technology Services industry was +0.74%. For the same industry, the average monthly price growth was -4.43%, and the average quarterly price growth was -7.52%.
EXLS is expected to report earnings on Oct 27, 2026.
FIS is expected to report earnings on Nov 04, 2026.
JKHY is expected to report earnings on Nov 03, 2026.
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.
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% | -1.42% | ||
| G - EXLS | 75% Closely correlated | -2.27% | ||
| CTSH - EXLS | 74% Closely correlated | -4.31% | ||
| GLOB - EXLS | 64% Loosely correlated | -1.64% | ||
| GIB - EXLS | 63% Loosely correlated | -0.21% | ||
| JKHY - EXLS | 56% Loosely correlated | +0.46% | ||
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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% | -1.98% | ||
| G - FIS | 64% Loosely correlated | -2.27% | ||
| EXLS - FIS | 63% Loosely correlated | -1.42% | ||
| DXC - FIS | 63% Loosely correlated | +0.06% | ||
| JKHY - FIS | 61% Loosely correlated | +0.46% | ||
| GIB - FIS | 61% Loosely correlated | -0.21% | ||
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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% | +0.46% | ||
| FIS - JKHY | 61% Loosely correlated | -1.98% | ||
| BR - JKHY | 58% Loosely correlated | -1.53% | ||
| EXLS - JKHY | 56% Loosely correlated | -1.42% | ||
| CTSH - JKHY | 54% Loosely correlated | -4.31% | ||
| IT - JKHY | 51% Loosely correlated | -1.77% | ||
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