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 U.S. Bancorp

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

U.S. Bancorp

USB · New York Stock Exchange

Market cap (USD)$85.9B
Gross margin (TTM)61.1%
Operating margin (TTM)21.4%
Net margin (TTM)16.9%
SectorFinancials
IndustryBanks - Regional
CountryUS
Data as of2025-12-23
Moat score
62/ 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 U.S. Bancorp's moat claims, evidence, and risks.

View USB analysis

Comparison highlights

  • Moat score gap: AIA Group Limited leads (67 / 100 vs 62 / 100 for U.S. Bancorp).
  • Segment focus: AIA Group Limited has 6 segments; U.S. Bancorp has 3 segments (42.8% in Wealth, Corporate, Commercial and Institutional Banking).
  • Primary market structure: Oligopoly vs Competitive. Pricing power: n/a vs Moderate.
  • Moat breadth: AIA Group Limited has 4 moat types across 3 domains; U.S. Bancorp has 8 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)

U.S. Bancorp

Wealth, Corporate, Commercial and Institutional Banking

Market

U.S. corporate, commercial, institutional and wealth banking & advisory services

Geography

United States

Customer

Commercial, institutional, government and wealth clients

Role

Bank / financial intermediary

Revenue share

42.8%

Side-by-side metrics

AIA Group Limited
U.S. Bancorp
Ticker / Exchange
1299.HK - Hong Kong Stock Exchange
USB - New York Stock Exchange
Market cap (USD)
n/a
$85.9B
Gross margin (TTM)
n/a
61.1%
Operating margin (TTM)
n/a
21.4%
Net margin (TTM)
n/a
16.9%
Sector
Financials
Financials
Industry
n/a
Banks - Regional
HQ country
HK
US
Primary segment
Mainland China
Wealth, Corporate, Commercial and Institutional Banking
Market structure
Oligopoly
Competitive
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
n/a
Moderate
Moat score
67 / 100
62 / 100
Moat domains
Legal, Supply, Demand
Demand, Supply, Legal, Financial
Last update
2026-01-12
2025-12-23

Moat coverage

Shared moat types

No overlap yet.

AIA Group Limited strengths

Concession LicenseService Field NetworkLong Term ContractsBrand Trust

U.S. Bancorp strengths

Data Workflow LockinScope EconomiesCompliance AdvantagePhysical Network DensityHabit DefaultCost Of Capital AdvantageScale Economies Unit CostSuite Bundling

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

U.S. Bancorp segments

Full profile >

Wealth, Corporate, Commercial and Institutional Banking

Competitive

42.8%

Consumer and Business Banking

Oligopoly

32.5%

Payment Services

Oligopoly

24.7%

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.