Cognizant Technology Solutions Corp Class A (CTSH)vsJack Henry & Associates Inc (JKHY)
CTSH
Cognizant Technology Solutions Corp Class A
$58.68
-1.18%
TECHNOLOGY · Cap: $26.97B
JKHY
Jack Henry & Associates Inc
$149.10
-1.62%
TECHNOLOGY · Cap: $10.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Cognizant Technology Solutions Corp Class A generates 751% more annual revenue ($21.64B vs $2.54B). JKHY leads profitability with a 19.8% profit margin vs 10.3%. CTSH appears more attractively valued with a PEG of 0.87. CTSH earns a higher WallStSmart Score of 65/100 (B-).
CTSH
Strong Buy65
out of 100
Grade: B-
JKHY
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.5%
Fair Value
$277.89
Current Price
$58.68
$219.21 discount
Margin of Safety
-39.7%
Fair Value
$118.59
Current Price
$149.10
$30.51 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Safe zone — low bankruptcy risk
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Every $100 of equity generates 25 in profit
Strong operational efficiency at 22.5%
Areas to Watch
4.5% revenue growth
3.8% earnings growth
Expensive relative to growth rate
4.7% revenue growth
Earnings declined 10.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : CTSH
The strongest argument for CTSH centers on Altman Z-Score, Debt/Equity, PEG Ratio. PEG of 0.87 suggests the stock is reasonably priced for its growth.
Bull Case : JKHY
The strongest argument for JKHY centers on Debt/Equity, Altman Z-Score, Return on Equity. Profitability is solid with margins at 19.8% and operating margin at 22.5%.
Bear Case : CTSH
The primary concerns for CTSH are Revenue Growth, EPS Growth.
Bear Case : JKHY
The primary concerns for JKHY are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
CTSH carries more volatility with a beta of 0.83 — expect wider price swings.
JKHY is growing revenue faster at 4.7% — sustainability is the question.
CTSH generates stronger free cash flow (459M), providing more financial flexibility.
Monitor INFORMATION TECHNOLOGY SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CTSH scores higher overall (65/100 vs 55/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Cognizant Technology Solutions Corp Class A
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
Cognizant is an American multinational technology company that provides business consulting, information technology and outsourcing services. It is headquartered in Teaneck, New Jersey, United States.
Jack Henry & Associates Inc
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
Jack Henry & Associates, Inc. is a technology company and payment processing service for the financial services industry.
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