VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Thursday, January 8, 2026

Stock Comparison

Industria de Diseno Textil, S.A. vs Jack Henry & Associates, Inc.

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

Industria de Diseno Textil, S.A.

ITX · Bolsa de Madrid

Market cap (USD)
Gross margin (TTM)
Operating margin (TTM)
Net margin (TTM)
SectorConsumer
Industry
CountryES
Data as of2026-01-06
Moat score
69/ 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 Industria de Diseno Textil, S.A.'s moat claims, evidence, and risks.

View ITX analysis

Jack Henry & Associates, Inc.

JKHY · Nasdaq

Market cap (USD)$13.2B
Gross margin (TTM)43.5%
Operating margin (TTM)24.9%
Net margin (TTM)19.9%
SectorTechnology
IndustryInformation Technology Services
CountryUS
Data as of2025-12-25
Moat score
59/ 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 Jack Henry & Associates, Inc.'s moat claims, evidence, and risks.

View JKHY analysis

Comparison highlights

  • Moat score gap: Industria de Diseno Textil, S.A. leads (69 / 100 vs 59 / 100 for Jack Henry & Associates, Inc.).
  • Segment focus: Industria de Diseno Textil, S.A. has 3 segments (71.9% in Zara / Zara Home); Jack Henry & Associates, Inc. has 3 segments (36.8% in Payments).
  • Moat breadth: Industria de Diseno Textil, S.A. has 4 moat types across 3 domains; Jack Henry & Associates, Inc. has 7 across 3.

Primary market context

Industria de Diseno Textil, S.A.

Zara / Zara Home

Market

Fast-fashion apparel and home goods retail (Zara and Zara Home)

Geography

Global

Customer

Consumers (end-users) via owned stores and e-commerce

Role

Brand owner + omnichannel retailer

Revenue share

71.9%

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

36.8%

Side-by-side metrics

Industria de Diseno Textil, S.A.
Jack Henry & Associates, Inc.
Ticker / Exchange
ITX - Bolsa de Madrid
JKHY - Nasdaq
Market cap (USD)
n/a
$13.2B
Gross margin (TTM)
n/a
43.5%
Operating margin (TTM)
n/a
24.9%
Net margin (TTM)
n/a
19.9%
Sector
Consumer
Technology
Industry
n/a
Information Technology Services
HQ country
ES
US
Primary segment
Zara / Zara Home
Payments
Market structure
Competitive
Competitive
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
69 / 100
59 / 100
Moat domains
Supply, Demand, Financial
Demand, Legal, Supply
Last update
2026-01-06
2025-12-25

Moat coverage

Shared moat types

Brand Trust

Industria de Diseno Textil, S.A. strengths

Supply Chain ControlDistribution ControlNegative Working Capital

Jack Henry & Associates, Inc. strengths

Long Term ContractsSwitching Costs GeneralSuite BundlingCompliance AdvantageScale Economies Unit CostData Workflow Lockin

Segment mix

Industria de Diseno Textil, S.A. segments

Full profile >

Zara / Zara Home

Competitive

71.9%

Bershka

Competitive

7.6%

Other Concepts (Pull&Bear, Massimo Dutti, Stradivarius, Oysho)

Competitive

20.5%

Jack Henry & Associates, Inc. segments

Full profile >

Core

Oligopoly

31.1%

Payments

Competitive

36.8%

Complementary

Competitive

28.4%

Want the full wide moat stocks list?

Browse the full ranking of wide moat stocks, updated with moat scores and segment context.

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Proven models entering the expansion stage with unit economics that work.

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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.