VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Sunday, January 11, 2026

Stock Comparison

Auto Trader Group plc vs Fair Isaac Corporation

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

Auto Trader Group plc

AUTO · London Stock Exchange

Market cap (USD)
Gross margin (TTM)
Operating margin (TTM)
Net margin (TTM)
SectorCommunication Services
Industry
CountryGB
Data as of2026-01-10
Moat score
96/ 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 Auto Trader Group plc's moat claims, evidence, and risks.

View AUTO analysis

Fair Isaac Corporation

FICO · New York Stock Exchange

Market cap (USD)$40.4B
Gross margin (TTM)82.2%
Operating margin (TTM)46.5%
Net margin (TTM)32.8%
SectorTechnology
IndustrySoftware - Application
CountryUS
Data as of2025-12-31
Moat score
82/ 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 Fair Isaac Corporation's moat claims, evidence, and risks.

View FICO analysis

Comparison highlights

  • Moat score gap: Auto Trader Group plc leads (96 / 100 vs 82 / 100 for Fair Isaac Corporation).
  • Segment focus: Auto Trader Group plc has 2 segments (93.3% in Autotrader (UK automotive marketplace & data platform)); Fair Isaac Corporation has 2 segments (58.7% in Scores).
  • Moat breadth: Auto Trader Group plc has 4 moat types across 2 domains; Fair Isaac Corporation has 5 across 2.

Primary market context

Auto Trader Group plc

Autotrader (UK automotive marketplace & data platform)

Market

UK digital automotive marketplace (new & used) with retailer advertising/data products

Geography

United Kingdom

Customer

Consumers, vehicle retailers, OEMs/advertising agencies

Role

Two-sided marketplace + advertising/data & workflow tools

Revenue share

93.3%

Fair Isaac Corporation

Scores

Market

Consumer credit scoring and related predictive scores used in lending decisions

Geography

Primarily United States; also international

Customer

Lenders (mortgage, credit card, auto, etc.), consumer reporting agencies, and consumers (B2C)

Role

Score model developer/licensor; distribution via consumer reporting agencies and direct-to-consumer channels

Revenue share

58.7%

Side-by-side metrics

Auto Trader Group plc
Fair Isaac Corporation
Ticker / Exchange
AUTO - London Stock Exchange
FICO - New York Stock Exchange
Market cap (USD)
n/a
$40.4B
Gross margin (TTM)
n/a
82.2%
Operating margin (TTM)
n/a
46.5%
Net margin (TTM)
n/a
32.8%
Sector
Communication Services
Technology
Industry
n/a
Software - Application
HQ country
GB
US
Primary segment
Autotrader (UK automotive marketplace & data platform)
Scores
Market structure
Quasi-Monopoly
Quasi-Monopoly
Market share
75%-80% (reported)
90% (reported)
HHI estimate
n/a
n/a
Pricing power
Strong
Strong
Moat score
96 / 100
82 / 100
Moat domains
Network, Demand
Network, Demand
Last update
2026-01-10
2025-12-31

Moat coverage

Shared moat types

Data Workflow Lockin

Auto Trader Group plc strengths

Two Sided NetworkHabit DefaultEcosystem Complements

Fair Isaac Corporation strengths

De Facto StandardFormat Lock InBrand TrustSwitching Costs General

Segment mix

Auto Trader Group plc segments

Full profile >

Autotrader (UK automotive marketplace & data platform)

Quasi-Monopoly

93.3%

Autorama (vehicle leasing marketplace)

Competitive

6.7%

Fair Isaac Corporation segments

Full profile >

Scores

Quasi-Monopoly

58.7%

Software

Competitive

41.3%

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.