VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Sunday, January 11, 2026
Stock Comparison
Jack Henry & Associates, Inc. vs Ulta Beauty, Inc.
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 analysisUlta Beauty, Inc.
ULTA · 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 Ulta Beauty, Inc.'s moat claims, evidence, and risks.
View ULTA analysisComparison highlights
- Moat score gap: Jack Henry & Associates, Inc. leads (59 / 100 vs 58 / 100 for Ulta Beauty, Inc.).
- Segment focus: Jack Henry & Associates, Inc. has 3 segments (36.8% in Payments); Ulta Beauty, Inc. has 3 segments (94% in Beauty Products Retail).
- Moat breadth: Jack Henry & Associates, Inc. has 7 moat types across 3 domains; Ulta Beauty, Inc. has 8 across 5.
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%
Ulta Beauty, Inc.
Beauty Products Retail
U.S. beauty products retail (specialty omnichannel beauty retailer)
United States
Consumers (end-users) shopping in-store and online
Specialty retailer / distributor
94%
Side-by-side metrics
Moat coverage
Shared moat types
Jack Henry & Associates, Inc. strengths
Ulta Beauty, Inc. strengths
Segment mix
Jack Henry & Associates, Inc. segments
Full profile >Core
Oligopoly
Payments
Competitive
Complementary
Competitive
Ulta Beauty, Inc. segments
Full profile >Beauty Products Retail
Competitive
Beauty Services
Competitive
Platform Monetization (Retail Media, Credit Cards, Partner Royalties, Deferred Revenue)
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.