VOL. XCIV, NO. 247

* MOAT STOCKS COMPARISON *

NO ADVICE

Friday, December 26, 2025

Stock Comparison

Jack Henry & Associates, Inc. vs Mastercard Incorporated

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

Jack Henry & Associates, Inc.

JKHY · Nasdaq

Market cap (USD)$13.4B
SectorTechnology
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.

View full moat analysis >

Mastercard Incorporated

MA · New York Stock Exchange

Market cap (USD)$516.9B
SectorFinancials
CountryUS
Data as of2025-12-21
Moat score
77/ 100

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

View full moat analysis >

Side-by-side metrics

Jack Henry & Associates, Inc.
Mastercard Incorporated
Ticker / Exchange
JKHY - Nasdaq
MA - New York Stock Exchange
Market cap (USD)
$13.4B
$516.9B
Sector
Technology
Financials
HQ country
US
US
Primary segment
Payments
Payment Network
Market structure
Competitive
Oligopoly
Market share
n/a
29.7% (reported)
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
59 / 100
77 / 100
Moat domains
Demand, Legal, Supply
Network, Demand, Legal
Last update
2025-12-25
2025-12-21

Moat coverage

Shared moat types

Data Workflow LockinBrand Trust

Jack Henry & Associates, Inc. strengths

Long Term ContractsSwitching Costs GeneralSuite BundlingCompliance AdvantageScale Economies Unit Cost

Mastercard Incorporated strengths

Two Sided NetworkClearing SettlementRegulated Standards PipeData Network Effects

Segment mix

Jack Henry & Associates, Inc. segments

Full profile >

Core

Oligopoly

31.1%

Payments

Competitive

36.8%

Complementary

Competitive

28.4%

Mastercard Incorporated segments

Full profile >

Payment Network

Oligopoly

61.5%

Value-Added Services and Solutions

Competitive

38.5%

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 Pricing, features, and availability may be incomplete or out of date.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.