VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Wednesday, January 14, 2026

Stock Comparison

AIA Group Limited vs The Charles Schwab Corporation

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

The Charles Schwab Corporation

SCHW · New York Stock Exchange

Market cap (USD)$182.2B
Gross margin (TTM)84.4%
Operating margin (TTM)39%
Net margin (TTM)30.3%
SectorFinancials
IndustryFinancial - Capital Markets
CountryUS
Data as of2025-12-26
Moat score
74/ 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 The Charles Schwab Corporation's moat claims, evidence, and risks.

View SCHW analysis

Comparison highlights

  • Moat score gap: The Charles Schwab Corporation leads (74 / 100 vs 67 / 100 for AIA Group Limited).
  • Segment focus: AIA Group Limited has 6 segments; The Charles Schwab Corporation has 2 segments (79.4% in Investor Services).
  • Primary market structure: Oligopoly vs Oligopoly. Pricing power: n/a vs Weak.
  • Moat breadth: AIA Group Limited has 4 moat types across 3 domains; The Charles Schwab Corporation has 7 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)

The Charles Schwab Corporation

Investor Services

Market

U.S. retail brokerage, self-directed investing, and wealth management platforms

Geography

United States

Customer

Retail investors, employers, retirement plan sponsors

Role

Broker-dealer + bank + wealth manager platform

Revenue share

79.4%

Side-by-side metrics

AIA Group Limited
The Charles Schwab Corporation
Ticker / Exchange
1299.HK - Hong Kong Stock Exchange
SCHW - New York Stock Exchange
Market cap (USD)
n/a
$182.2B
Gross margin (TTM)
n/a
84.4%
Operating margin (TTM)
n/a
39%
Net margin (TTM)
n/a
30.3%
Sector
Financials
Financials
Industry
n/a
Financial - Capital Markets
HQ country
HK
US
Primary segment
Mainland China
Investor Services
Market structure
Oligopoly
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
n/a
Weak
Moat score
67 / 100
74 / 100
Moat domains
Legal, Supply, Demand
Supply, Demand, Financial, Network
Last update
2026-01-12
2025-12-26

Moat coverage

Shared moat types

Service Field NetworkBrand Trust

AIA Group Limited strengths

Concession LicenseLong Term Contracts

The Charles Schwab Corporation strengths

Scale Economies Unit CostSuite BundlingFloat PrepaymentData Workflow LockinEcosystem Complements

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

The Charles Schwab Corporation segments

Full profile >

Investor Services

Oligopoly

79.4%

Advisor Services

Oligopoly

20.6%

Want the full wide moat stocks list?

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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.