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Compare Stocks › BRK-B vs JKHY

Berkshire Hathaway Inc. (BRK-B) vs Jack Henry & Associates, Inc. (JKHY)

BRK-B
Berkshire Hathaway Inc.
$473.01
VS
JKHY
Jack Henry & Associates, Inc.
$154.03

Rewards

BRK-B
  • ★Each dollar of retained earnings has created $3.95 of earning power — management is an exceptional capital allocator.
  • ★PEG ratio of 0.13 suggests the stock is undervalued relative to its growth rate — paying less than 1x for each unit of earnings growth.
  • ★Net debt/EBITDA of -2.3x means the company holds more cash than debt — a net cash position.
JKHY
  • ★Jack Henry & Associates, Inc. has maintained ROIC above 15% for 4 consecutive years, indicating a durable competitive advantage.
  • ★Jack Henry & Associates, Inc. scores 88/100 on the Economic Moat Score (Wide Moat), with revenue predictability as the strongest competitive dimension.
  • ★Return on equity has consistently exceeded 20% over 4 years, indicating efficient use of shareholder capital.

Risks

BRK-B
  • ⚠FCF yield of 6.0% suggests reasonable valuation assuming continued moderate growth.
  • ⚠Trailing P/E of 15.2x is 72% above the historical average of 8.9x — the stock trades at a premium to its own history.
JKHY

    Key Valuation Metrics

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    BRK-B
    JKHY
    Valuation
    $61.23B
    Free Cash Flow
    $335.26M
    6.00%
    FCF Yield
    3.01%
    15.24
    Trailing P/E
    22.13
    21.95
    Forward P/E
    21.95
    Quality & Moat
    4.96%
    ROIC
    22.02%
    9.18%
    ROE
    20.69%
    27.78%
    Gross Margin
    43.84%
    0.13
    PEG Ratio
    0.78
    Balance Sheet Safety
    0.18
    Debt / Equity
    0.03
    N/A
    Interest Coverage
    N/A
    -2.28
    Net Debt / EBITDA
    0.06
    N/A
    Dividend Yield
    1.53%
    BRK-B: 5Ties: 2JKHY: 4
    BRK-BJKHY

    Historical Fundamentals

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    BRK-B

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    JKHY

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.

    $1 Retained Earnings Test

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    BRK-B
    $1.66
    created per $1 retained over 3 years
    Value Creator
    Σ Retained
    $252.19B
    Δ Market Cap
    +$417.89B
    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
    JKHY
    $0.67
    created per $1 retained over 3 years
    Mediocre Allocator
    Σ Retained
    $736.5M
    Δ Market Cap
    +$496.6M
    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

    Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
    > $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer

    Discounted Cash Flow (DCF) Analysis

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    BRK-B
    31.0% Margin of Safety
    Price is 31.0% below estimated fair value
    Current Price: $473.01
    Fair Value: $685.41
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued
    JKHY
    6.7% Overvalued
    Price is 6.7% above estimated fair value
    Current Price: $154.03
    Fair Value: $144.38
    Strongly undervalued
    Undervalued
    Fairly valued
    Overvalued
    Strongly overvalued

    Reverse DCF — Market-Implied Growth

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    BRK-B

    What growth rate is the market pricing in at $473?

    -0.3%
    Market-Implied Owner Earnings Growth
    Standard FCF implies +1.0%

    The market implies -0.3% Owner Earnings growth, above historical trends.

    Standard FCF implies a demanding +1.0%, reflecting heavy growth investment.

    JKHY

    What growth rate is the market pricing in at $154?

    +10.5%
    Market-Implied Owner Earnings Growth
    Standard FCF implies +14.7%

    The market implies +10.5% Owner Earnings growth, roughly in line with history — reasonably priced.

    Standard FCF implies +14.7%, reflecting ongoing growth investment.

    Economic Moat Score

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    BRK-B
    40/100
    Narrow Moat
    70+ Wide · 40-69 Narrow · <40 None

    Narrow moat with reinvestment efficiency as the key competitive advantage. Improving revenue predictability would strengthen the moat.

    Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
    JKHY
    88/100
    Wide Moat
    70+ Wide · 40-69 Narrow · <40 None

    Wide moat with strength across all dimensions. Revenue Predictability is the standout factor.

    Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.

    Forensic Accounting

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    BRK-B
    -2.41
    Unlikely Manipulator
    Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

    M-Score Trend

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
    JKHY
    -2.49
    Unlikely Manipulator
    Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone

    M-Score Trend

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

    Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.

    Ownership Breakdown

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    BRK-B
    Insiders 0.3%Institutions 66.2%Retail & Other 33.6%
    No. of Institutional Holders5,818
    High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
    JKHY
    Insiders 0.6%Institutions 105.0%
    No. of Institutional Holders1,075
    High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.

    High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.

    Insider Buying Activity

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    BRK-B
    0
    Buys (3M)
    0
    Buys (12M)
    No open market insider purchases found.
    Open market purchases · includes direct & indirect ownership · excludes option exercises
    JKHY
    0
    Buys (3M)
    0
    Buys (12M)
    No open market insider purchases found.
    Open market purchases · includes direct & indirect ownership · excludes option exercises

    Open market purchases · includes direct & indirect ownership · excludes option exercises.

    Insider Selling Activity

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    BRK-B
    0
    Sells (3M)
    0
    Sells (12M)
    No open market insider sales found.
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
    JKHY
    0
    Sells (3M)
    7
    Sells (12M)
    Total value (12M): $8.34M
    FOSS DAVID B
    Director
    $3.50M
    @ $174.92 · 2025-12-01
    MCLACHLAN SHANON G.
    Chief Operating Officer
    $36,508
    @ $160.83 · 2025-11-10
    FOSS DAVID B
    Director
    $966,878
    @ $167.28 · 2025-08-04
    SWEARINGEN RENEE ANN
    Officer
    $180,891
    @ $179.10 · 2025-05-13
    MCLACHLAN SHANON G.
    Chief Operating Officer
    $44,137
    @ $179.42 · 2025-05-13
    FOSS DAVID B
    Officer and Director
    $2.71M
    @ $180.74 · 2025-05-12
    MORGAN CRAIG KEITH
    General Counsel
    $900,816
    @ $180.16 · 2025-05-12
    FOSS DAVID B
    Officer and Director
    $3.22M
    @ $171.32 · 2024-11-19
    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives

    Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.

    🎭 Mr. Market's Mood

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    BRK-B
    FearGreed
    😐Neutral(52/100)

    "Market is pricing this stock without strong emotion in either direction"

    Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
    JKHY
    FearGreed
    😐Neutral(44/100)

    "Market is pricing this stock without strong emotion in either direction"

    Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

    Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.

    ⚖️ Buffett Signal

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    BRK-B
    ⚪Awaiting DCF Data

    The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

    DCF Margin of Safety: N/AMr. Market's Mood: Neutral (52)
    JKHY
    ⚪Awaiting DCF Data

    The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.

    DCF Margin of Safety: N/AMr. Market's Mood: Neutral (44)
    View BRK-B Full AnalysisView JKHY Full Analysis
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