VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Stock Comparison
American Express Company vs SoFi Technologies, Inc.
Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.
American Express Company
AXP · New York Stock Exchange
Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.
Full stock profile
Dive deeper into American Express Company's moat claims, evidence, and risks.
View AXP analysisSoFi Technologies, Inc.
SOFI · The Nasdaq Stock Market LLC
Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.
Full stock profile
Dive deeper into SoFi Technologies, Inc.'s moat claims, evidence, and risks.
View SOFI analysisComparison highlights
- Moat score gap: American Express Company leads (76 / 100 vs 58 / 100 for SoFi Technologies, Inc.).
- Segment focus: American Express Company has 4 segments (48% in U.S. Consumer Services); SoFi Technologies, Inc. has 3 segments (49.9% in Lending).
- Primary market structure: Oligopoly vs Competitive. Pricing power: Strong vs Moderate.
- Moat breadth: American Express Company has 7 moat types across 3 domains; SoFi Technologies, Inc. has 7 across 5.
Primary market context
American Express Company
U.S. Consumer Services
U.S. premium consumer credit, charge, banking, lending, travel, dining and lifestyle card services
United States
Affluent and mass-affluent U.S. consumers
Issuer, lender, rewards platform, banking provider, travel/dining service provider and closed-loop network participant
48%
SoFi Technologies, Inc.
Lending
U.S. unsecured personal loans, with student-loan and home-loan adjacencies
United States
Prime and super-prime consumer borrowers, home borrowers, student-loan borrowers, and loan-capital partners
Digital loan originator, balance-sheet lender, loan servicer, and loan-platform origination partner
49.9%
Side-by-side metrics
Moat coverage
Shared moat types
American Express Company strengths
SoFi Technologies, Inc. strengths
Segment mix
American Express Company segments
Full profile >U.S. Consumer Services
Oligopoly
Commercial Services
Oligopoly
International Card Services
Competitive
Global Merchant and Network Services
Oligopoly
SoFi Technologies, Inc. segments
Full profile >Lending
Competitive
Financial Services
Competitive
Technology Platform
Competitive
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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.