VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Stock Comparison

Adyen N.V. vs The Charles Schwab Corporation

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

Adyen N.V.

ADYEN · Euronext Amsterdam

Market cap (USD)$31.6B
Gross margin (TTM)69.8%
Operating margin (TTM)58.6%
Net margin (TTM)43.8%
SectorFinancials
IndustrySoftware - Infrastructure
CountryNL
Data as of2025-12-28
Moat score
63/ 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 Adyen N.V.'s moat claims, evidence, and risks.

View ADYEN analysis

The Charles Schwab Corporation

SCHW · New York Stock Exchange

Market cap (USD)$170.7B
Gross margin (TTM)84.7%
Operating margin (TTM)43.3%
Net margin (TTM)32%
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 63 / 100 for Adyen N.V.).
  • Segment focus: Adyen N.V. has 3 segments (58.4% in Digital); The Charles Schwab Corporation has 2 segments (79.4% in Investor Services).
  • Primary market structure: Oligopoly vs Oligopoly. Pricing power: Moderate vs Weak.
  • Moat breadth: Adyen N.V. has 6 moat types across 4 domains; The Charles Schwab Corporation has 7 across 4.

Primary market context

Adyen N.V.

Digital

Market

Enterprise payment processing and acquiring for online/digital commerce

Geography

Global

Customer

Enterprise merchants and digital-native businesses

Role

PSP / gateway + processor + (direct or indirect) acquiring enablement

Revenue share

58.4%

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

Adyen N.V.
The Charles Schwab Corporation
Ticker / Exchange
ADYEN - Euronext Amsterdam
SCHW - New York Stock Exchange
Market cap (USD)
$31.6B
$170.7B
Gross margin (TTM)
69.8%
84.7%
Operating margin (TTM)
58.6%
43.3%
Net margin (TTM)
43.8%
32%
Sector
Financials
Financials
Industry
Software - Infrastructure
Financial - Capital Markets
HQ country
NL
US
Primary segment
Digital
Investor Services
Market structure
Oligopoly
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Weak
Moat score
63 / 100
74 / 100
Moat domains
Network, Demand, Legal, Supply
Supply, Demand, Financial, Network
Last update
2025-12-28
2025-12-26

Moat coverage

Shared moat types

Data Workflow LockinSuite Bundling

Adyen N.V. strengths

Data Network EffectsCompliance AdvantageOperational ExcellenceSwitching Costs General

The Charles Schwab Corporation strengths

Scale Economies Unit CostBrand TrustFloat PrepaymentEcosystem ComplementsService Field Network

Segment mix

Adyen N.V. segments

Full profile >

Digital

Oligopoly

58.4%

Unified Commerce

Competitive

30.6%

Platforms

Oligopoly

11%

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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Proven models entering the expansion stage with unit economics that work.

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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.