VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Sunday, January 11, 2026

Stock Comparison

CAR Group Limited vs Fiserv, Inc.

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

CAR Group Limited

CAR · ASX

Market cap (USD)$11.5B
Gross margin (TTM)73.8%
Operating margin (TTM)41.4%
Net margin (TTM)23%
SectorCommunication Services
IndustryInternet Content & Information
CountryAU
Data as of
Moat score
69/ 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 CAR Group Limited's moat claims, evidence, and risks.

View CAR analysis

Fiserv, Inc.

FISV · NASDAQ

Market cap (USD)$37.7B
Gross margin (TTM)
Operating margin (TTM)
Net margin (TTM)
SectorFinancials
Industry
CountryUS
Data as of2026-01-10
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 Fiserv, Inc.'s moat claims, evidence, and risks.

View FISV analysis

Comparison highlights

  • Moat score gap: CAR Group Limited leads (69 / 100 vs 67 / 100 for Fiserv, Inc.).
  • Segment focus: CAR Group Limited has 5 segments (41% in Australia); Fiserv, Inc. has 2 segments (50.4% in Merchant).
  • Primary market structure: Oligopoly vs Oligopoly. Pricing power: Strong vs Moderate.
  • Moat breadth: CAR Group Limited has 6 moat types across 3 domains; Fiserv, Inc. has 6 across 3.

Primary market context

CAR Group Limited

Australia

Market

Online vehicle marketplace, dealer advertising & automotive data/services

Geography

Australia

Customer

Dealers, OEM advertisers, private sellers & buyers

Role

Two-sided marketplace + advertising + data/SaaS tools

Revenue share

41%

Fiserv, Inc.

Merchant

Market

Merchant acquiring and commerce enablement (SMB + enterprise omnichannel payments, POS, gateway/orchestration, and related software)

Geography

Global

Customer

Merchants (SMB and enterprise), plus channel partners (ISVs/ISOs/financial institutions) that serve or refer merchants

Role

Merchant acquirer / payment processor / commerce and POS platform provider

Revenue share

50.4%

Side-by-side metrics

CAR Group Limited
Fiserv, Inc.
Ticker / Exchange
CAR - ASX
FISV - NASDAQ
Market cap (USD)
$11.5B
$37.7B
Gross margin (TTM)
73.8%
n/a
Operating margin (TTM)
41.4%
n/a
Net margin (TTM)
23%
n/a
Sector
Communication Services
Financials
Industry
Internet Content & Information
n/a
HQ country
AU
US
Primary segment
Australia
Merchant
Market structure
Oligopoly
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Strong
Moderate
Moat score
69 / 100
67 / 100
Moat domains
Network, Demand, Supply
Network, Supply, Demand
Last update
2026-01-11
2026-01-10

Moat coverage

Shared moat types

Two Sided NetworkEcosystem Complements

CAR Group Limited strengths

Brand TrustSwitching Costs GeneralOperational Excellenceminority-investment-optionality

Fiserv, Inc. strengths

Distribution ControlScale Economies Unit CostTraining Org Change CostsSuite Bundling

Segment mix

CAR Group Limited segments

Full profile >

Australia

Oligopoly

41%

North America

Oligopoly

26%

Latin America

Oligopoly

17.3%

Asia

Oligopoly

11.5%

Investments

Competitive

4.2%

Fiserv, Inc. segments

Full profile >

Merchant

Oligopoly

50.4%

Financial

Oligopoly

49.6%

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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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.