VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Sunday, January 11, 2026

Stock Comparison

Chubb Limited vs Global Payments 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

Global Payments Inc.

GPN · New York Stock Exchange

Market cap (USD)$18.8B
Gross margin (TTM)
Operating margin (TTM)
Net margin (TTM)
SectorFinancials
Industry
CountryUS
Data as of2026-01-10
Moat score
62/ 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 Global Payments Inc.'s moat claims, evidence, and risks.

View GPN analysis

Comparison highlights

  • Moat score gap: Chubb Limited leads (68 / 100 vs 62 / 100 for Global Payments Inc.).
  • Segment focus: Chubb Limited has 6 segments (40% in North America Commercial P&C Insurance); Global Payments Inc. has 2 segments (76.1% in Merchant Solutions).
  • Moat breadth: Chubb Limited has 6 moat types across 4 domains; Global Payments Inc. has 6 across 4.

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%

Global Payments Inc.

Merchant Solutions

Market

Merchant acquiring and integrated payments (card-present and e-commerce)

Geography

Global

Customer

Merchants (SMB to enterprise) and software platforms

Role

Acquirer and payment processor

Revenue share

76.1%

Side-by-side metrics

Chubb Limited
Global Payments Inc.
Ticker / Exchange
CB - New York Stock Exchange
GPN - New York Stock Exchange
Market cap (USD)
$122.8B
$18.8B
Gross margin (TTM)
28.5%
n/a
Operating margin (TTM)
21.1%
n/a
Net margin (TTM)
16.5%
n/a
Sector
Financials
Financials
Industry
Insurance - Property & Casualty
n/a
HQ country
CH
US
Primary segment
North America Commercial P&C Insurance
Merchant Solutions
Market structure
Competitive
Competitive
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
68 / 100
62 / 100
Moat domains
Supply, Demand, Legal, Financial
Network, Demand, Supply, Legal
Last update
2026-01-04
2026-01-10

Moat coverage

Shared moat types

Compliance Advantage

Chubb Limited strengths

Distribution ControlOperational ExcellenceBrand TrustCost Of Capital AdvantageInstalled Base Consumables

Global Payments Inc. strengths

Ecosystem ComplementsData Workflow LockinScale Economies Unit CostLong Term ContractsSwitching 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%

Global Payments Inc. segments

Full profile >

Merchant Solutions

Competitive

76.1%

Issuer Solutions

Oligopoly

24.6%

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.