WIDE MOAT STOCKS COMPARISON

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Stock Comparison

Jack Henry & Associates, Inc. vs Temenos AG

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)$12.2B
Gross margin (TTM)43.8%
Operating margin (TTM)25.3%
Net margin (TTM)20%
SectorTechnology
IndustryPayments and financial technology
CountryUS
Data as of2026-08-23
61/100
Moat score

Weighted across the company's segments.

Full stock profile

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

View JKHY analysis

Temenos AG

TEMN · SIX Swiss Exchange

Market cap (USD)$6.5B
Gross margin (TTM)—
Operating margin (TTM)26.4%
Net margin (TTM)18.6%
SectorTechnology
IndustryApplication software
CountryCH
Data as of2026-08-23
64/100
Moat score

Weighted across the company's segments.

Full stock profile

Dive deeper into Temenos AG's moat claims, evidence, and risks.

View TEMN analysis

Comparison highlights

  • Moat score gap: Temenos AG leads (64 / 100 vs 61 / 100 for Jack Henry & Associates, Inc.).
  • Segment focus: Jack Henry & Associates, Inc. has 3 segments (38.1% in Payments); Temenos AG has 2 segments (88.1% in Product).
  • Moat breadth: Jack Henry & Associates, Inc. has 3 moat types across 1 domains; Temenos AG has 2 across 2.

Primary market context

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%

Temenos AG

Product

Market

Banking software platforms (core banking, digital banking, payments, wealth, financial crime, analytics) for banks and financial institutions

Geography

Global

Customer

Banks and financial institutions

Role

Independent software vendor / platform provider

Revenue share

88.1%

Side-by-side metrics

Jack Henry & Associates, Inc.
Temenos AG
Ticker / Exchange
JKHY - Nasdaq
TEMN - SIX Swiss Exchange
Market cap (USD)
$12.2B
$6.5B
Gross margin (TTM)
43.8%
n/a
Operating margin (TTM)
25.3%
26.4%
Net margin (TTM)
20%
18.6%
Sector
Technology
Technology
Industry
Payments and financial technology
Application software
HQ country
US
CH
Primary segment
Payments
Product
Market structure
Competitive
Competitive
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
61 / 100
64 / 100
Moat domains
Demand
Demand, Network
Last update
2026-09-05
2026-09-05

Moat coverage

Shared moat types

No overlap yet.

Jack Henry & Associates, Inc. strengths

Long Term ContractsSwitching Costs GeneralSuite Bundling

Temenos AG strengths

Training Org Change CostsEcosystem Complements

Segment mix

Jack Henry & Associates, Inc. segments

Full profile >

Core

Oligopoly

31.3%

Payments

Competitive

38.1%

Complementary

Competitive

30.6%

Temenos AG segments

Full profile >

Product

Competitive

88.1%

Services

Competitive

11.9%

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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.