★ WIDE MOAT STOCKS COMPARISON ★

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Stock Comparison

Fiserv, Inc. vs Jack Henry & Associates, Inc.

Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.

Fiserv, Inc.

FISV · Nasdaq Global Select Market

Market cap (USD)$28B
Gross margin (TTM)47.2%
Operating margin (TTM)21.4%
Net margin (TTM)13.4%
SectorFinancials
IndustryInformation Technology Services
CountryUS
Data as of2026-08-23
Moat score
85/ 100

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

Full stock profile

Dive deeper into Fiserv, Inc.'s moat claims, evidence, and risks.

View FISV analysis

Jack Henry & Associates, Inc.

JKHY · Nasdaq

Market cap (USD)$11.8B
Gross margin (TTM)44.5%
Operating margin (TTM)24.3%
Net margin (TTM)20.1%
SectorTechnology
IndustryInformation Technology Services
CountryUS
Data as of2026-08-23
Moat score
70/ 100

Partial score covering 62% of segment weight.

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

Full stock profile

Dive deeper into Jack Henry & Associates, Inc.'s moat claims, evidence, and risks.

View JKHY analysis

Comparison highlights

  • Segment focus: Fiserv, Inc. has 2 segments (52.5% in Merchant); Jack Henry & Associates, Inc. has 3 segments (38.1% in Payments).
  • Primary market structure: Oligopoly vs Competitive. Pricing power: Moderate vs Moderate.
  • Moat breadth: Fiserv, Inc. has 4 moat types across 2 domains; Jack Henry & Associates, Inc. has 3 across 1.

Primary market context

Fiserv, Inc.

Merchant

Market

Merchant acquiring and commerce enablement (SMB + enterprise omnichannel payments, POS, gateway/orchestration, and related software)

Geography

Global

Customer

Merchants (SMB and enterprise), plus channel partners (ISVs/ISOs/financial institutions) that serve or refer merchants

Role

Merchant acquirer / payment processor / commerce and POS platform provider

Revenue share

52.5%

Jack Henry & Associates, Inc.

Payments

Market

Payment processing and transaction services for financial institutions (card, ACH, bill pay, faster payments, settlement support)

Geography

United States

Customer

Banks, credit unions, and their accountholders; businesses via FI clients

Role

Processor and settlement/risk services provider

Revenue share

38.1%

Side-by-side metrics

Fiserv, Inc.
Jack Henry & Associates, Inc.
Ticker / Exchange
FISV - Nasdaq Global Select Market
JKHY - Nasdaq
Market cap (USD)
$28B
$11.8B
Gross margin (TTM)
47.2%
44.5%
Operating margin (TTM)
21.4%
24.3%
Net margin (TTM)
13.4%
20.1%
Sector
Financials
Technology
Industry
Information Technology Services
Information Technology Services
HQ country
US
US
Primary segment
Merchant
Payments
Market structure
Oligopoly
Competitive
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
85 / 100
70 / 100 (partial, 62% coverage)
Moat domains
Network, Demand
Demand
Last update
2026-08-23
2026-08-23

Moat coverage

Shared moat types

Suite Bundling

Fiserv, Inc. strengths

Ecosystem ComplementsTraining Org Change CostsTwo Sided Network

Jack Henry & Associates, Inc. strengths

Long Term ContractsSwitching Costs General

Segment mix

Fiserv, Inc. segments

Full profile >

Merchant

Oligopoly

52.5%

Financial

Oligopoly

47.5%

Jack Henry & Associates, Inc. segments

Full profile >

Core

Oligopoly

31.3%

Payments

Competitive

38.1%

Complementary

Competitive

30.6%

Act on this comparison

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Curation & Accuracy

This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).

Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.