Jack Henry & Associates (JKHY) vs Toast (TOST)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Jack Henry & Associates (JKHY) has outperformed Toast (TOST) over the past year, losing 0.0% versus a loss of 16.8%. Over five years, JKHY leads with a -12.2% price change compared with -45.7% for TOST. Toast is the larger company by market cap ($18.10 billion vs $10.47 billion), about 1.7 times the size.
On valuation, Toast trades at a lower forward P/E (18.0x vs 18.9x for Jack Henry & Associates). Jack Henry & Associates pays a dividend yielding 1.59%, while Toast does not currently pay one. Jack Henry & Associates converts more of its revenue into profit, with a net margin of 19.8% versus 5.6%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | JKHY | TOST |
|---|---|---|
| Share price | $149.31 | $31.31 |
| Market cap | $10.47B | $18.10B |
| 1-day change | +0.17% | +2.55% |
| YTD return | -18.18% | -14.02% |
| 1-year return | -0.01% | -16.81% |
| 5-year return | -12.20% | -45.69% |
| P/E ratio (TTM) | 21.39 | 39.63 |
| Forward P/E | 18.89 | 18.04 |
| EPS (TTM) | $6.98 | $0.79 |
| Dividend yield | 1.59% | 0.00% |
| Annual dividend | $2.38 | $0.00 |
| Revenue (latest FY) | $2.54B | $6.15B |
| Revenue growth (YoY) | +7.12% | +24.05% |
| Net income (latest FY) | $502.78M | $342.00M |
| Gross margin | 43.65% | 25.89% |
| Operating margin | 24.96% | 4.75% |
| Net margin | 19.76% | 5.56% |
| 52-week high | $193.39 | $39.73 |
| 52-week low | $121.04 | $22.26 |
| Distance from 52-week high | -22.79% | -21.18% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +27.06% | +24.31% |
| Average volume | 996.22K | 9.11M |
| Shares outstanding | 70.11M | 514.00M |
| Employees | 7,300 | 6,500 |
| Sector | Technology | Technology |
| Industry | EDP Services | EDP Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- JKHY has outperformed TOST by 16.8 percentage points over the past year.
- Toast trades at a higher earnings multiple (39.6x vs 21.4x trailing P/E).
- Jack Henry & Associates offers a meaningfully higher dividend yield (1.59% vs 0.00%).
- Jack Henry & Associates is more profitable, keeping 19.8 cents of every revenue dollar as net income versus 5.6 cents for Toast.
- Toast grew revenue faster in its latest fiscal year (+24.05% vs +7.12%).
About Jack Henry & Associates
JKHY stock →Jack Henry & Associates, Inc. operates as a financial technology company that connects people and financial institutions through technology solutions and payment processing services in the United States.
Technology · EDP Services · 7,300 employees
About Toast
TOST stock →Toast, Inc. operates a cloud-based digital technology platform for the restaurant industry in the United States, Ireland, India, and internationally.
Technology · EDP Services · 6,500 employees
JKHY vs TOST FAQ
Which is bigger, Jack Henry & Associates or Toast?
Toast (TOST) is larger, with a market capitalization of $18.10B compared with $10.47B for Jack Henry & Associates (JKHY).
Which stock has performed better over the past year, JKHY or TOST?
JKHY returned -0.01% over the past 12 months, compared with -16.81% for TOST (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, JKHY or TOST?
JKHY has the lower trailing P/E at 21.4, versus 39.6 for TOST. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Jack Henry & Associates or Toast?
Jack Henry & Associates pays a dividend yielding 1.59%, while Toast does not currently pay a regular dividend.
Are Jack Henry & Associates and Toast in the same industry?
Yes. Both are classified in the EDP Services industry within the Technology sector.