Jack Henry & Associates (LTS:0A6D) Moat Score: 7/10 (As of Jul. 20, 2026)

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LTS:0A6D Jack Henry & Associates Inc LTS:0A6D
90 GF Score
Price $151.17
GF Value $194.57
Valuation Modestly Undervalued
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What is Jack Henry & Associates Moat Score?

Jack Henry & Associates LTS:0A6D -1.64% 90 Moat Score is 7 as of Jul. 20, 2026. GuruFocus rates LTS:0A6D with a GF Score™ of 90/100 and a GF Value™ of $194.57 (Modestly Undervalued). Among 2,838 Software companies, Jack Henry & Associates ranks better than 99.26% on this metric.

Jack Henry & Associates has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Jack Henry & Associates has Wide Moat: Jack Henry & Associates has a strong market position in financial technology services with significant customer switching costs and a robust distribution network. Its proprietary technology and consistent innovation contribute to durable cost advantages and pricing power, justifying a wide moat classification.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Jack Henry & Associates might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Jack Henry & Associates  (LTS:0A6D) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Jack Henry & Associates Moat Score Related Terms

LTS:0A6D vs CACI, IT, CIFR: Moat Score Comparison

For the Information Technology Services subindustry, Jack Henry & Associates's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Jack Henry & Associates Moat Score vs Software Industry

For the Software industry and Technology sector, Jack Henry & Associates's Moat Score distribution charts can be found below:

* The bar in red indicates where Jack Henry & Associates's Moat Score falls into.


LTS:0A6D
90GF Score
Jack Henry & Associates Inc LTS:0A6D
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
Jack Henry & Associates (LTS:0A6D) has a Moat Score of 7 as of Jul. 20, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Jack Henry & Associates ranks #21 out of 2838 companies in the Software industry, placing it in the top 0.7%.
Is Jack Henry & Associates' Moat Score too high?
Jack Henry & Associates' current Moat Score is 7. Based on the distribution chart, Jack Henry & Associates ranks #21 out of 2838 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Jack Henry & Associates has a GF Score™ of 90/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Jack Henry & Associates' Moat Score compare to CACI and IT?
According to the Software industry distribution chart, Jack Henry & Associates ranks #21 out of 2838 companies for Moat Score. This places Jack Henry & Associates in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Jack Henry & Associates's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jack Henry & Associates stock overvalued right now?
Based on GuruFocus' analysis, Jack Henry & Associates (LTS:0A6D) is currently considered Modestly Undervalued. The stock's GF Value™ is $194.57, compared to a current price of $151.17 — trading 22.3% below its estimated fair value. The current Moat Score is 7. Jack Henry & Associates' overall GF Score™ is 90/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Jack Henry & Associates (LTS:0A6D), the current Moat Score is 7 as of Jul. 20, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Jack Henry & Associates (LTS:0A6D) Overvalued in 2026?

Based on GuruFocus' analysis, Jack Henry & Associates stock appears to be undervalued. The current stock price of $151.17 is trading 22.3% below its estimated GF Value™ of $194.57. GuruFocus considers Jack Henry & Associates to be Modestly Undervalued.

Key valuation signals for LTS:0A6D:

  • Moat Score: 7
  • GF Value™: $194.57 vs. price of $151.17 (22.3% below fair value)
  • GF Score™: 90/100

No single metric tells the full story. See the LTS:0A6D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Jack Henry & Associates Business Description

Address 663 Highway 60, P.O. Box 807, Monett, MO, USA, 65708
Jack Henry is a leading provider of core processing and complementary services, including electronic funds transfer, payment processing, and loan processing, for US banks and credit unions, with a focus on small and midsize banks. Jack Henry serves almost 1,000 banks and over 700 credit unions.
90GF Score

Get the complete analysis for LTS:0A6D

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$151.17
Price
$194.57
GF Value