VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Saturday, January 10, 2026

Stock Comparison

Chubb Limited vs Floor & Decor Holdings, Inc.

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)$122.8B
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

Floor & Decor Holdings, Inc.

FND · New York Stock Exchange

Market cap (USD)$7.8B
Gross margin (TTM)42.4%
Operating margin (TTM)6.1%
Net margin (TTM)4.7%
SectorConsumer
IndustryHome Improvement
CountryUS
Data as of2026-01-08
Moat score
55/ 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 Floor & Decor Holdings, Inc.'s moat claims, evidence, and risks.

View FND analysis

Comparison highlights

  • Moat score gap: Chubb Limited leads (68 / 100 vs 55 / 100 for Floor & Decor Holdings, Inc.).
  • Segment focus: Chubb Limited has 6 segments (40% in North America Commercial P&C Insurance); Floor & Decor Holdings, Inc. has 2 segments (95% in Floor & Decor Retail).
  • Primary market structure: Competitive vs Competitive. Pricing power: Moderate vs Weak.
  • Moat breadth: Chubb Limited has 6 moat types across 4 domains; Floor & Decor Holdings, Inc. has 6 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%

Floor & Decor Holdings, Inc.

Floor & Decor Retail

Market

U.S. retail hard-surface flooring and accessories

Geography

United States

Customer

Homeowners (DIY/BIY) and professional installers (Pros)

Role

Specialty retailer (warehouse-format stores + e-commerce)

Revenue share

95%

Side-by-side metrics

Chubb Limited
Floor & Decor Holdings, Inc.
Ticker / Exchange
CB - New York Stock Exchange
FND - New York Stock Exchange
Market cap (USD)
$122.8B
$7.8B
Gross margin (TTM)
28.5%
42.4%
Operating margin (TTM)
21.1%
6.1%
Net margin (TTM)
16.5%
4.7%
Sector
Financials
Consumer
Industry
Insurance - Property & Casualty
Home Improvement
HQ country
CH
US
Primary segment
North America Commercial P&C Insurance
Floor & Decor Retail
Market structure
Competitive
Competitive
Market share
n/a
9%-11% (reported)
HHI estimate
n/a
n/a
Pricing power
Moderate
Weak
Moat score
68 / 100
55 / 100
Moat domains
Supply, Demand, Legal, Financial
Supply, Demand
Last update
2026-01-04
2026-01-08

Moat coverage

Shared moat types

Distribution ControlOperational ExcellenceBrand Trust

Chubb Limited strengths

Compliance AdvantageCost Of Capital AdvantageInstalled Base Consumables

Floor & Decor Holdings, Inc. strengths

Scale Economies Unit CostScope EconomiesProcurement Inertia

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%

Floor & Decor Holdings, Inc. segments

Full profile >

Floor & Decor Retail

Competitive

95%

Spartan (Commercial surfaces)

Competitive

5%

Want the full wide moat stocks list?

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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.