VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Thursday, January 8, 2026
Stock Comparison
Jack Henry & Associates, Inc. vs The Progressive Corporation
Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.
Jack Henry & Associates, Inc.
JKHY · Nasdaq
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 analysisThe Progressive Corporation
PGR · New York Stock Exchange
Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.
Full stock profile
Dive deeper into The Progressive Corporation's moat claims, evidence, and risks.
View PGR analysisComparison highlights
- Moat score gap: The Progressive Corporation leads (75 / 100 vs 59 / 100 for Jack Henry & Associates, Inc.).
- Segment focus: Jack Henry & Associates, Inc. has 3 segments (36.8% in Payments); The Progressive Corporation has 2 segments (85% in Personal Lines).
- Primary market structure: Competitive vs Oligopoly. Pricing power: Moderate vs Moderate.
- Moat breadth: Jack Henry & Associates, Inc. has 7 moat types across 3 domains; The Progressive Corporation has 5 across 2.
Primary market context
Jack Henry & Associates, Inc.
Payments
Payment processing and transaction services for financial institutions (card, ACH, bill pay, faster payments, settlement support)
United States
Banks, credit unions, and their accountholders; businesses via FI clients
Processor and settlement/risk services provider
36.8%
The Progressive Corporation
Personal Lines
U.S. private passenger auto insurance (dominant) plus specialty personal lines and homeowners/renters (small portion)
United States
Individuals/households
Primary insurer (P&C)
85%
Side-by-side metrics
Moat coverage
Shared moat types
Jack Henry & Associates, Inc. strengths
The Progressive Corporation strengths
Segment mix
Jack Henry & Associates, Inc. segments
Full profile >Core
Oligopoly
Payments
Competitive
Complementary
Competitive
The Progressive Corporation segments
Full profile >Personal Lines
Oligopoly
Commercial Lines
Competitive
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View expansion-stage stocksCuration & 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.