Reviewing International Money Express (NASDAQ:IMXI) and Jack Henry & Associates (NASDAQ:JKHY)

Jack Henry & Associates (NASDAQ:JKHY) and International Money Express (NASDAQ:IMXI) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, risk, valuation, dividends, earnings, profitability and institutional ownership.

Profitability

This table compares Jack Henry & Associates and International Money Express’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Jack Henry & Associates	19.76%	23.49%	16.34%
International Money Express	3.35%	17.01%	5.44%

Insider and Institutional Ownership

98.8% of Jack Henry & Associates shares are owned by institutional investors. Comparatively, 86.7% of International Money Express shares are owned by institutional investors. 0.4% of Jack Henry & Associates shares are owned by insiders. Comparatively, 5.1% of International Money Express shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Volatility and Risk

Jack Henry & Associates has a beta of 0.56, indicating that its share price is 44% less volatile than the S&P 500. Comparatively, International Money Express has a beta of 0.78, indicating that its share price is 22% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Jack Henry & Associates and International Money Express, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jack Henry & Associates	0	5	13	1	2.79
International Money Express	1	0	0	0	1.00

Jack Henry & Associates presently has a consensus price target of $190.00, suggesting a potential upside of 19.03%. Given Jack Henry & Associates’ stronger consensus rating and higher possible upside, equities analysts clearly believe Jack Henry & Associates is more favorable than International Money Express.

Valuation & Earnings

This table compares Jack Henry & Associates and International Money Express”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jack Henry & Associates	$2.54 billion	4.40	$502.78 million	$6.97	22.90
International Money Express	$607.78 million	0.43	$32.67 million	$0.62	13.85

Jack Henry & Associates has higher revenue and earnings than International Money Express. International Money Express 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 International Money Express on 13 of the 15 factors compared between the two stocks.

About Jack Henry & Associates

Jack Henry & Associates, Inc. is a financial technology company, which engages in the provision of technology solutions and payment processing services. It operates through the following segments: Core, Payments, Complementary, and Corporate and Other. The Core segment provides core information processing platforms to banks and credit unions which consist of integrated applications required to process deposit, loan, and general ledger transactions, and maintain centralized customer and member information. The Payments segment includes secure payment processing tools and services including ATM, debit, and credit card processing services, online and mobile bill pay solutions, ACH origination and remote deposit capture processing, and risk management products and services. The Complementary segment focuses on additional software, hosted processing platforms, and services including call center support, network security management, consulting, and monitoring. The Corporate and Other segment offers hardware and other products. The company was founded by Jerry D. Hall and John W. Henry in 1976 and is headquartered in Monett, MO.

About International Money Express

International Money Express, Inc., together with its subsidiaries, operates as an omnichannel money remittance services company in the United States, Latin America, Mexico, Central and South America, the Caribbean, Africa, and Asia. The company offers remittance services, which include a suite of ancillary financial processing solutions and payment services; and online payment options, pre-paid debit cards, and direct deposit payroll cards. It provides services through sending and paying agents and company-operated stores, as well as through online and Internet-enabled mobile devices. International Money Express, Inc. is headquartered in Miami, Florida.