VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Saturday, January 10, 2026

Stock Comparison

Jack Henry & Associates, Inc. vs Trimble Inc.

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)$13.8B
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

Trimble Inc.

TRMB · Nasdaq Global Select Market

Market cap (USD)
Gross margin (TTM)
Operating margin (TTM)
Net margin (TTM)
SectorTechnology
Industry
CountryUS
Data as of2026-01-09
Moat score
67/ 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 Trimble Inc.'s moat claims, evidence, and risks.

View TRMB analysis

Comparison highlights

  • Moat score gap: Trimble Inc. leads (67 / 100 vs 59 / 100 for Jack Henry & Associates, Inc.).
  • Segment focus: Jack Henry & Associates, Inc. has 3 segments (36.8% in Payments); Trimble Inc. has 3 segments (41.7% in Field Systems).
  • Primary market structure: Competitive vs Oligopoly. Pricing power: Moderate vs Moderate.
  • Moat breadth: Jack Henry & Associates, Inc. has 7 moat types across 3 domains; Trimble Inc. has 7 across 3.

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

36.8%

Trimble Inc.

Field Systems

Market

High-precision positioning & field solutions (geospatial, construction machine control, positioning/correction services)

Geography

Global

Customer

Surveyors, mapping professionals, civil construction contractors, governments, utilities

Role

Field hardware + software + subscription positioning services

Revenue share

41.7%

Side-by-side metrics

Jack Henry & Associates, Inc.
Trimble Inc.
Ticker / Exchange
JKHY - Nasdaq
TRMB - Nasdaq Global Select Market
Market cap (USD)
$13.8B
n/a
Gross margin (TTM)
43.5%
n/a
Operating margin (TTM)
24.9%
n/a
Net margin (TTM)
19.9%
n/a
Sector
Technology
Technology
Industry
Information Technology Services
n/a
HQ country
US
US
Primary segment
Payments
Field Systems
Market structure
Competitive
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
59 / 100
67 / 100
Moat domains
Demand, Legal, Supply
Demand, Network, Supply
Last update
2025-12-25
2026-01-09

Moat coverage

Shared moat types

Data Workflow Lockin

Jack Henry & Associates, Inc. strengths

Long Term ContractsSwitching Costs GeneralSuite BundlingCompliance AdvantageScale Economies Unit CostBrand Trust

Trimble Inc. strengths

Ecosystem ComplementsInstalled Base ConsumablesDesign In QualificationDistribution ControlTwo Sided NetworkData Network Effects

Segment mix

Jack Henry & Associates, Inc. segments

Full profile >

Core

Oligopoly

31.1%

Payments

Competitive

36.8%

Complementary

Competitive

28.4%

Trimble Inc. segments

Full profile >

Architects, Engineers, Construction and Owners

Competitive

36.9%

Field Systems

Oligopoly

41.7%

Transportation and Logistics

Competitive

21.4%

Want the full wide moat stocks list?

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

View the moat stocks list

Looking for expansion-stage stocks?

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

View expansion-stage stocks

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.