VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS & COMPETITIVE ADVANTAGES ★

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Saturday, January 10, 2026

InterContinental Hotels Group PLC

IHG · London Stock Exchange

Market cap (USD)$18.8B
SectorConsumer
Industry
CountryGB
Data as of
Moat score
57/ 100

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

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Overview

InterContinental Hotels Group PLC (IHG) is an asset-light hotel company whose economics are primarily driven by franchising and management fees from a global portfolio of brands supported by IHG One Rewards. The core moat comes from brand trust and a scaled enterprise platform (marketing, technology, reservations, and procurement) that helps owners generate demand and reduce customer acquisition costs. IHG's System Fund centrally finances marketing, reservations, loyalty, and technology investments that reinforce the platform and loyalty flywheel. Reimbursable revenues and the System Fund are largely pass-through accounting lines, while owned/leased hotels represent a small portion of system size and have weaker moat characteristics.

Primary segment

Fee business (franchise, management and ancillary fees)

Market structure

Oligopoly

Market share

HHI:

Coverage

5 segments · 5 tags

Updated 2026-01-10

Segments

Fee business (franchise, management and ancillary fees)

Branded hotel franchising and management services

Revenue

36%

Structure

Oligopoly

Pricing

moderate

Share

Peers

MARHLTHCHH+2

System Fund (marketing, reservations and loyalty assessments)

Hotel marketing, reservation, and loyalty platform services for IHG system hotels

Revenue

32.7%

Structure

Monopoly

Pricing

none

Share

Peers

MARHLTBKNGABNB+1

Reimbursable revenues (managed hotel staff reimbursements)

Managed-hotel staffing cost reimbursements (general manager and certain employees)

Revenue

20.3%

Structure

Competitive

Pricing

none

Share

Peers

MARHLTH

Owned, leased and managed lease hotels

Hotel ownership and leasing operations

Revenue

10.5%

Structure

Competitive

Pricing

weak

Share

Peers

HPKHSTPEB

Insurance activities (ancillary)

Hospitality-related insurance activities (ancillary)

Revenue

0.5%

Structure

Competitive

Pricing

none

Share

Peers

Moat Claims

Fee business (franchise, management and ancillary fees)

Branded hotel franchising and management services

FY2024 fee business revenue: $1,774m (per Annual Report/20-F).

Oligopoly

Brand Trust

Demand

Strength

Durability

Confidence

Evidence

Portfolio brands (e.g., Holiday Inn) and consistent standards support guest preference and owner willingness to affiliate, underpinning royalty and fee streams.

Erosion risks

  • Brand dilution from inconsistent franchise execution
  • Alternative accommodation growth (e.g., short-term rentals)
  • Owner reflagging at contract expiry

Leading indicators

  • Net system size growth (rooms)
  • Franchise/management contract renewal retention
  • RevPAR index vs competitive set

Counterarguments

  • Hotel owners can switch brands at renewal if fees/standards are unattractive
  • Competing global chains have similarly strong brand portfolios

Scale Economies Unit Cost

Supply

Strength

Durability

Confidence

Evidence

Large installed base enables operating leverage in technology, marketing, distribution, and procurement; incremental hotels can be added with limited incremental corporate resources.

Erosion risks

  • Technology disruption reducing advantage of incumbent platforms
  • Rising OTA influence and customer acquisition costs
  • Competitors outspending on digital and loyalty

Leading indicators

  • Fee margin trend
  • Direct channel mix and cost of acquisition
  • System Fund spend effectiveness

Counterarguments

  • Scale is shared by multiple global hotel groups; advantage is relative, not absolute
  • Independent hotels can use OTAs and tech vendors to replicate some platform capabilities

Long Term Contracts

Demand

Strength

Durability

Confidence

Evidence

Contract-based fee model (franchise/management agreements) and long-dated commercial partnerships support recurring fee streams, though renewals and owner negotiations can reduce terms over time.

Erosion risks

  • Owner bargaining power increasing at renewals
  • Litigation and disputes with franchisees
  • Overcapacity in key markets pressuring owner economics

Leading indicators

  • Renewal success rate and terms
  • Number of contract terminations and early exits
  • Owner satisfaction metrics

Counterarguments

  • Contracts are renegotiated and can be lost to competing brands
  • Large owners can multi-brand and negotiate fees down

System Fund (marketing, reservations and loyalty assessments)

Hotel marketing, reservation, and loyalty platform services for IHG system hotels

FY2024 System Fund revenue: $1,611m (reported revenue; matched by System Fund expenses over time).

Monopoly

Two Sided Network

Network

Strength

Durability

Confidence

Evidence

Loyalty program scale creates a reinforcing loop: more members drive more stays for owners, which supports further participation and hotel signings.

Erosion risks

  • Loyalty program commoditization (members multi-home across programs)
  • Changes in points economics increasing perceived cost to owners
  • Data privacy and platform regulation affecting targeting/personalization

Leading indicators

  • Loyalty member growth and active members
  • Share of room nights from members
  • Points sales growth and redemption patterns

Counterarguments

  • Major competitors have similarly large loyalty ecosystems
  • Guests can chase price via OTAs regardless of loyalty status

Distribution Control

Supply

Strength

Durability

Confidence

Evidence

Central reservation and digital platforms route demand to system hotels, reducing reliance on third-party distribution and improving owner economics.

Erosion risks

  • OTAs and metasearch changing demand routing and pricing transparency
  • App/store platform changes reducing direct acquisition efficiency

Leading indicators

  • Direct booking share and app engagement
  • Cost of acquisition vs OTAs
  • System Fund marketing ROI

Counterarguments

  • Distribution is contested; OTAs can still dominate for many trip types
  • Owners may pressure system assessments if perceived ROI declines

Reimbursable revenues (managed hotel staff reimbursements)

Managed-hotel staffing cost reimbursements (general manager and certain employees)

FY2024 reimbursable revenue: $1,000m (reported revenue; typically offset by related costs).

Competitive

Pass-through reimbursement revenue

Demand

Strength

Durability

Confidence

Evidence

Reimbursable revenues are reimbursements of certain employee costs at managed properties; they are primarily pass-through and do not represent a durable economic moat.

Economics are tied to underlying management contracts and typically offset by reimbursable expenses.

Erosion risks

  • Shift away from managed contracts toward franchising
  • Owners choosing to employ staff directly

Leading indicators

  • Managed hotel count and mix
  • Reimbursable revenue vs reimbursable expense net

Counterarguments

  • Owners can change operators/managers, affecting reimbursable flows
  • This revenue line is accounting-driven and not value-capture on its own

Owned, leased and managed lease hotels

Hotel ownership and leasing operations

FY2024 owned/leased and managed lease hotels revenue: $515m (operating profit $45m).

Competitive

Asset-heavy hotel operations (limited moat)

Demand

Strength

Durability

Confidence

Evidence

Owned/leased hotel operations are location-specific and generally competitive; this segment is small for IHG and does not represent the core moat of the enterprise.

This segment is intentionally limited in scale versus the asset-light fee business.

Erosion risks

  • Local overcapacity reducing ADR/occupancy
  • Higher fixed cost base vs fee business

Leading indicators

  • Owned/leased hotel margin trend
  • Local RevPAR trends in owned/leased markets

Counterarguments

  • Hotel operations are commodity-like in many markets
  • Real estate/location, not brand platform, drives returns

Insurance activities (ancillary)

Hospitality-related insurance activities (ancillary)

FY2024 insurance activities revenue: $23m (immaterial).

Competitive

Immaterial ancillary activity

Demand

Strength

Durability

Confidence

Evidence

Insurance activities are a very small revenue line for IHG and are not considered a core moat driver versus its brand, scale, and loyalty/distribution platform.

Tracked for completeness only; moat relevance is low.

Erosion risks

  • Discontinued or restructured program
  • Regulatory and claims volatility

Leading indicators

  • Annual insurance activities revenue trend

Counterarguments

  • Insurance is not a differentiator in hotel franchising
  • Specialist insurers can provide similar services

Evidence

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IHG Annual Report and Form 20-F 2024

Holiday Inn was voted Most Trusted Brand in US Travel and Hospitality by Morning Consult for the fourth consecutive year.

Third-party trust/award supports brand strength and consumer preference.

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IHG Annual Report and Form 20-F 2024 (Business model overview)

A family of 19 hotel brands and IHG One Rewards, one of the world's largest hotel loyalty programmes.

Shows breadth of brand portfolio and integrated loyalty platform offered to owners.

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IHG Annual Report and Form 20-F 2024 (Our business model)

Our well-invested scale platform, where limited resources are required to support the addition of an incremental hotel.

Direct statement of scale-driven operating leverage in the franchise model.

sec_filing
IHG Annual Report and Form 20-F 2024 (System size)

Total system size 987,125 rooms and total development pipeline 325,252 rooms (year-end 2024).

Large scale supports platform economics and owner proposition.

sec_filing
IHG Annual Report and Form 20-F 2024 (Risk factors: franchise and management agreements)

Identifying, securing and retaining franchise and management agreements and may not be able to renew existing arrangements.

Confirms the business is built on contractual agreements and highlights renewal/bargaining risks.

Showing 5 of 13 sources.

Risks & Indicators

Erosion risks

  • Brand dilution from inconsistent franchise execution
  • Alternative accommodation growth (e.g., short-term rentals)
  • Owner reflagging at contract expiry
  • Macroeconomic travel downturn reducing fee base
  • Technology disruption reducing advantage of incumbent platforms
  • Rising OTA influence and customer acquisition costs

Leading indicators

  • Net system size growth (rooms)
  • Franchise/management contract renewal retention
  • RevPAR index vs competitive set
  • Guest satisfaction and brand quality metrics
  • Fee margin trend
  • Direct channel mix and cost of acquisition
Created 2026-01-10
Updated 2026-01-10

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