VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Stock Comparison

Aon plc vs Wise plc

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

Aon plc

AON · New York Stock Exchange

Market cap (USD)$69.5B
Gross margin (TTM)55.9%
Operating margin (TTM)26%
Net margin (TTM)21.5%
SectorFinancials
IndustryInsurance - Brokers
CountryIE
Data as of2025-12-31
Moat score
70/ 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 Aon plc's moat claims, evidence, and risks.

View AON analysis

Wise plc

WISE · London Stock Exchange

Market cap (USD)$14.1B
Gross margin (TTM)56%
Operating margin (TTM)32.2%
Net margin (TTM)23.5%
SectorFinancials
IndustryInformation Technology Services
CountryGB
Data as of2026-04-24
Moat score
57/ 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 Wise plc's moat claims, evidence, and risks.

View WISE analysis

Comparison highlights

  • Moat score gap: Aon plc leads (70 / 100 vs 57 / 100 for Wise plc).
  • Segment focus: Aon plc has 2 segments (67% in Risk Capital); Wise plc has 2 segments (74.7% in Personal international account and cross-border transfers).
  • Primary market structure: Oligopoly vs Competitive. Pricing power: Moderate vs Weak.
  • Moat breadth: Aon plc has 6 moat types across 3 domains; Wise plc has 6 across 5.

Primary market context

Aon plc

Risk Capital

Market

Large-account commercial insurance & reinsurance brokerage and risk advisory

Geography

Global

Customer

Enterprises, insurers, reinsurers

Role

Intermediary/advisor

Revenue share

67%

Wise plc

Personal international account and cross-border transfers

Market

Personal cross-border money movement, international account, card and multi-currency balance services

Geography

Global, across more than 160 countries and 40 currencies

Customer

Consumers, expatriates, travellers, migrants, freelancers and internationally active individuals

Role

Digital cross-border transfer, account, card, FX conversion and balance-management provider

Revenue share

74.7%

Side-by-side metrics

Aon plc
Wise plc
Ticker / Exchange
AON - New York Stock Exchange
WISE - London Stock Exchange
Market cap (USD)
$69.5B
$14.1B
Gross margin (TTM)
55.9%
56%
Operating margin (TTM)
26%
32.2%
Net margin (TTM)
21.5%
23.5%
Sector
Financials
Financials
Industry
Insurance - Brokers
Information Technology Services
HQ country
IE
GB
Primary segment
Risk Capital
Personal international account and cross-border transfers
Market structure
Oligopoly
Competitive
Market share
n/a
4.5%-5.5% (reported)
HHI estimate
n/a
n/a
Pricing power
Moderate
Weak
Moat score
70 / 100
57 / 100
Moat domains
Demand, Supply, Legal
Supply, Demand, Financial, Network, Legal
Last update
2025-12-31
2026-04-24

Moat coverage

Shared moat types

Data Workflow LockinBrand TrustCompliance AdvantageScale Economies Unit Cost

Aon plc strengths

Switching Costs GeneralService Field Network

Wise plc strengths

Float PrepaymentInteroperability Hub

Segment mix

Aon plc segments

Full profile >

Risk Capital

Oligopoly

67%

Human Capital

Oligopoly

33.2%

Wise plc segments

Full profile >

Personal international account and cross-border transfers

Competitive

74.7%

Wise Business and Wise Platform

Competitive

25.3%

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.