VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

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Wednesday, January 14, 2026

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Stock Comparison

AIA Group Limited vs Chubb Limited

Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.

AIA Group Limited

1299.HK · Hong Kong Stock Exchange

Market cap (USD)—

Gross margin (TTM)—

Operating margin (TTM)—

Net margin (TTM)—

SectorFinancials

Industry—

CountryHK

Data as of2026-01-12

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 AIA Group Limited's moat claims, evidence, and risks.

View 1299.HK analysis

Chubb Limited

CB · New York Stock Exchange

Market cap (USD)$122.8B

Gross margin (TTM)28.5%

Operating margin (TTM)21.1%

Net margin (TTM)16.5%

SectorFinancials

IndustryInsurance - Property & Casualty

CountryCH

Data as of2026-01-04

Moat score

68/ 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 Chubb Limited's moat claims, evidence, and risks.

View CB analysis

Comparison highlights

Moat score gap: Chubb Limited leads (68 / 100 vs 67 / 100 for AIA Group Limited).
Segment focus: AIA Group Limited has 6 segments; Chubb Limited has 6 segments (40% in North America Commercial P&C Insurance).
Primary market structure: Oligopoly vs Competitive. Pricing power: n/a vs Moderate.
Moat breadth: AIA Group Limited has 4 moat types across 3 domains; Chubb Limited has 6 across 4.

Primary market context

AIA Group Limited

Mainland China

Market

Life insurance, accident & health insurance, and long-term savings products

Geography

Mainland China

Customer

Individuals and corporate clients (group insurance/employee benefits)

Role

Insurer / underwriter and distributor (agency and partnerships)

Chubb Limited

North America Commercial P&C Insurance

Market

Commercial property & casualty and corporate accident & health insurance

Geography

North America

Customer

Businesses and institutions (middle market to large corporates); specialty commercial

Role

Primary insurer / underwriter

Revenue share

40%

Side-by-side metrics

AIA Group Limited

Chubb Limited

Ticker / Exchange

1299.HK - Hong Kong Stock Exchange

CB - New York Stock Exchange

Market cap (USD)

n/a

$122.8B

Gross margin (TTM)

n/a

28.5%

Operating margin (TTM)

n/a

21.1%

Net margin (TTM)

n/a

16.5%

Sector

Financials

Industry

n/a

Insurance - Property & Casualty

HQ country

Primary segment

Mainland China

North America Commercial P&C Insurance

Market structure

Oligopoly

Competitive

Market share

n/a

HHI estimate

n/a

Pricing power

n/a

Moderate

Moat score

67 / 100

68 / 100

Moat domains

Legal, Supply, Demand

Supply, Demand, Legal, Financial

Last update

2026-01-12

2026-01-04

Moat coverage

Shared moat types

Brand Trust

AIA Group Limited strengths

Concession LicenseService Field NetworkLong Term Contracts

Chubb Limited strengths

Distribution ControlOperational ExcellenceCompliance AdvantageCost Of Capital AdvantageInstalled Base Consumables

Segment mix

AIA Group Limited segments

Full profile >

Mainland China

Oligopoly

n/a

Hong Kong (including Macau)

Oligopoly

n/a

Thailand

Oligopoly

n/a

Singapore (including Brunei)

Oligopoly

n/a

Malaysia

Oligopoly

n/a

Other Markets

Competitive

n/a

Chubb Limited segments

Full profile >

North America Commercial P&C Insurance

Competitive

40%

North America Personal P&C Insurance

Oligopoly

12%

North America Agricultural Insurance

Oligopoly

Overseas General Insurance

Competitive

27%

Global Reinsurance

Oligopoly

Life Insurance

Competitive

13%

Want the full wide moat stocks list?

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

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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.