VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Wednesday, January 7, 2026

Stock Comparison

Chubb Limited vs Cintas Corporation

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

Cintas Corporation

CTAS · NASDAQ

Market cap (USD)$74.7B
Gross margin (TTM)50.3%
Operating margin (TTM)23%
Net margin (TTM)17.6%
SectorIndustrials
IndustrySpecialty Business Services
CountryUS
Data as of2026-01-01
Moat score
63/ 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 Cintas Corporation's moat claims, evidence, and risks.

View CTAS analysis

Comparison highlights

  • Moat score gap: Chubb Limited leads (68 / 100 vs 63 / 100 for Cintas Corporation).
  • Segment focus: Chubb Limited has 6 segments (40% in North America Commercial P&C Insurance); Cintas Corporation has 3 segments (77.1% in Uniform Rental and Facility Services).
  • Moat breadth: Chubb Limited has 6 moat types across 4 domains; Cintas Corporation has 5 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%

Cintas Corporation

Uniform Rental and Facility Services

Market

B2B uniform rental and route-based facility services (entrance mats, restroom supplies, towels/mops, etc.)

Geography

North America (primarily United States; also Canada and Latin America)

Customer

Businesses (SMB to large enterprise) via local delivery routes and branches

Role

Service operator / rental provider (route-based distribution and processing network)

Revenue share

77.1%

Side-by-side metrics

Chubb Limited
Cintas Corporation
Ticker / Exchange
CB - New York Stock Exchange
CTAS - NASDAQ
Market cap (USD)
$126.1B
$74.7B
Gross margin (TTM)
28.5%
50.3%
Operating margin (TTM)
21.1%
23%
Net margin (TTM)
16.5%
17.6%
Sector
Financials
Industrials
Industry
Insurance - Property & Casualty
Specialty Business Services
HQ country
CH
US
Primary segment
North America Commercial P&C Insurance
Uniform Rental and Facility Services
Market structure
Competitive
Competitive
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
68 / 100
63 / 100
Moat domains
Supply, Demand, Legal, Financial
Supply, Demand
Last update
2026-01-04
2026-01-01

Moat coverage

Shared moat types

Operational Excellence

Chubb Limited strengths

Distribution ControlBrand TrustCompliance AdvantageCost Of Capital AdvantageInstalled Base Consumables

Cintas Corporation strengths

Service Field NetworkProcurement InertiaSuite BundlingSwitching Costs General

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%

Cintas Corporation segments

Full profile >

Uniform Rental and Facility Services

Competitive

77.1%

First Aid and Safety Services

Competitive

11.8%

All Other (Fire Protection Services and Uniform Direct Sale)

Competitive

11.1%

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.