Head to Head Comparison: Excel (OTCMKTS:EXCC) and Jack Henry & Associates (NASDAQ:JKHY)

Jack Henry & Associates (NASDAQ:JKHY) and Excel (OTCMKTS:EXCC) are both computer and technology companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, risk, institutional ownership, profitability, earnings, dividends and valuation.

Institutional and Insider Ownership

98.8% of Jack Henry & Associates shares are owned by institutional investors. Comparatively, 0.3% of Excel shares are owned by institutional investors. 0.6% of Jack Henry & Associates shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent recommendations for Jack Henry & Associates and Excel, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jack Henry & Associates	1	6	5	0	2.33
Excel	0	0	0	0	N/A

Jack Henry & Associates presently has a consensus target price of $176.10, suggesting a potential upside of 7.32%.

Profitability

This table compares Jack Henry & Associates and Excel’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Jack Henry & Associates	17.28%	22.18%	13.62%
Excel	N/A	N/A	N/A

Earnings and Valuation

This table compares Jack Henry & Associates and Excel’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jack Henry & Associates	$2.19 billion	5.46	$366.65 million	$5.18	31.68
Excel	N/A	N/A	N/A	$0.00	N/A

Jack Henry & Associates has higher revenue and earnings than Excel. Excel is trading at a lower price-to-earnings ratio than Jack Henry & Associates, indicating that it is currently the more affordable of the two stocks.

Summary

Jack Henry & Associates beats Excel on 9 of the 9 factors compared between the two stocks.

About Jack Henry & Associates

Jack Henry & Associates, Inc., a financial technology company that connects people and financial institutions through technology solutions and payment processing services that reduce the barriers to financial health. It operates through four segments: Core, Payments, Complementary, and Corporate and Other. The company offers information and transaction processing solutions for banks ranging from community to multi-billion-dollar asset institutions; core data processing solutions for various credit unions; and specialized financial performance, imaging and payments processing, information security and risk management, retail delivery, and online and mobile solutions to financial services organizations and corporate entities. It also provides a suite of integrated applications required to process deposit, loan, and general ledger transactions, as well as to maintain centralized customer/member information; and complementary products and services that enable core bank and credit union clients to respond to evolving customer/member demands. In addition, the company’s core banking platform offerings include SilverLake system, a robust system primarily designed for commercial-focused banks; CIF 20/20, a parameter-driven, easy-to-use system for banks; and Core Director, a cost-efficient system with point-and-click operation, as well as core credit union platform under the Symitar name. Further, it provides digital products and services and electronic payment solutions; purchases and resells hardware systems, including servers, workstations, scanners, and other devices; implementation, training, and support services; and software licensing and related services, professional services, and data centers. Jack Henry & Associates, Inc. was founded in 1976 and is headquartered in Monett, Missouri.

About Excel

Excel Corporation, through its subsidiaries, provides integrated financial and transaction processing services to businesses in the United States. It offers an integrated suite of third-party merchant payment processing services and related proprietary software enabling products that deliver credit and debit card-based Internet payments processing solutions to small and mid-sized merchants operating in physical business environments, on the Internet, and in retail settings requiring wired and wireless mobile payment solutions. The company also acts as an independent sales organization (ISO), which provides alternative financing and working capital solutions using various third party funding sources. It markets its products and services through independent agents and other smaller ISOs. Excel Corporation was founded in 2010 and is headquartered in Irving, Texas. Excel Corporation operates as a subsidiary of The OLB Group, Inc.