VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Thursday, January 8, 2026

Stock Comparison

Chubb Limited vs Canadian Pacific Kansas City Limited

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

Chubb Limited

CB · New York Stock Exchange

Market cap (USD)$126.1B
Gross margin (TTM)28.5%
Operating margin (TTM)21.1%
Net margin (TTM)16.5%
SectorFinancials
IndustryInsurance - Property & Casualty
CountryCH
Data as of2026-01-04
Moat score
68/ 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 Chubb Limited's moat claims, evidence, and risks.

View CB analysis

Canadian Pacific Kansas City Limited

CP · New York Stock Exchange

Market cap (USD)$67.3B
Gross margin (TTM)56.7%
Operating margin (TTM)37%
Net margin (TTM)28.4%
SectorIndustrials
IndustryRailroads
CountryCA
Data as of2025-12-30
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 Canadian Pacific Kansas City Limited's moat claims, evidence, and risks.

View CP analysis

Comparison highlights

  • Moat score gap: Canadian Pacific Kansas City Limited leads (70 / 100 vs 68 / 100 for Chubb Limited).
  • Segment focus: Chubb Limited has 6 segments (40% in North America Commercial P&C Insurance); Canadian Pacific Kansas City Limited has 4 segments (46% in Merchandise Freight).
  • Primary market structure: Competitive vs Oligopoly. Pricing power: Moderate vs Moderate.
  • Moat breadth: Chubb Limited has 6 moat types across 4 domains; Canadian Pacific Kansas City Limited has 4 across 2.

Primary market context

Chubb Limited

North America Commercial P&C Insurance

Market

Commercial property & casualty and corporate accident & health insurance

Geography

North America

Customer

Businesses and institutions (middle market to large corporates); specialty commercial

Role

Primary insurer / underwriter

Revenue share

40%

Canadian Pacific Kansas City Limited

Merchandise Freight

Market

North American carload rail freight (industrial and consumer commodities)

Geography

Canada, United States, Mexico

Customer

Industrial shippers and manufacturers across multiple commodity groups

Role

Rail carrier + logistics/transload provider

Revenue share

46%

Side-by-side metrics

Chubb Limited
Canadian Pacific Kansas City Limited
Ticker / Exchange
CB - New York Stock Exchange
CP - New York Stock Exchange
Market cap (USD)
$126.1B
$67.3B
Gross margin (TTM)
28.5%
56.7%
Operating margin (TTM)
21.1%
37%
Net margin (TTM)
16.5%
28.4%
Sector
Financials
Industrials
Industry
Insurance - Property & Casualty
Railroads
HQ country
CH
CA
Primary segment
North America Commercial P&C Insurance
Merchandise Freight
Market structure
Competitive
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
68 / 100
70 / 100
Moat domains
Supply, Demand, Legal, Financial
Legal, Supply
Last update
2026-01-04
2025-12-30

Moat coverage

Shared moat types

Distribution ControlOperational Excellence

Chubb Limited strengths

Brand TrustCompliance AdvantageCost Of Capital AdvantageInstalled Base Consumables

Canadian Pacific Kansas City Limited strengths

Permits Rights Of WayPhysical Network Density

Segment mix

Chubb Limited segments

Full profile >

North America Commercial P&C Insurance

Competitive

40%

North America Personal P&C Insurance

Oligopoly

12%

North America Agricultural Insurance

Oligopoly

5%

Overseas General Insurance

Competitive

27%

Global Reinsurance

Oligopoly

3%

Life Insurance

Competitive

13%

Canadian Pacific Kansas City Limited segments

Full profile >

Bulk Freight

Oligopoly

34.2%

Merchandise Freight

Oligopoly

46%

Intermodal Freight

Competitive

17.6%

Non-freight and Other

Competitive

2.2%

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.