VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Saturday, January 10, 2026

Stock Comparison

Chubb Limited vs Lowe's Companies, 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

Lowe's Companies, Inc.

LOW · New York Stock Exchange

Market cap (USD)$149.9B
Gross margin (TTM)31.4%
Operating margin (TTM)12.1%
Net margin (TTM)8.1%
SectorConsumer
IndustryHome Improvement
CountryUS
Data as of2026-01-06
Moat score
48/ 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 Lowe's Companies, Inc.'s moat claims, evidence, and risks.

View LOW analysis

Comparison highlights

  • Moat score gap: Chubb Limited leads (68 / 100 vs 48 / 100 for Lowe's Companies, Inc.).
  • Segment focus: Chubb Limited has 6 segments (40% in North America Commercial P&C Insurance); Lowe's Companies, Inc. has 1 segment (100% in Home Improvement Operations (Omnichannel)).
  • Primary market structure: Competitive vs Competitive. Pricing power: Moderate vs Weak.
  • Moat breadth: Chubb Limited has 6 moat types across 4 domains; Lowe's Companies, Inc. 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%

Lowe's Companies, Inc.

Home Improvement Operations (Omnichannel)

Market

U.S. home improvement retail and related services (DIY and Pro; omnichannel)

Geography

United States

Customer

DIY consumers and small-to-medium professional contractors

Role

Omnichannel retailer and distributor

Revenue share

100%

Side-by-side metrics

Chubb Limited
Lowe's Companies, Inc.
Ticker / Exchange
CB - New York Stock Exchange
LOW - New York Stock Exchange
Market cap (USD)
$122.8B
$149.9B
Gross margin (TTM)
28.5%
31.4%
Operating margin (TTM)
21.1%
12.1%
Net margin (TTM)
16.5%
8.1%
Sector
Financials
Consumer
Industry
Insurance - Property & Casualty
Home Improvement
HQ country
CH
US
Primary segment
North America Commercial P&C Insurance
Home Improvement Operations (Omnichannel)
Market structure
Competitive
Competitive
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Weak
Moat score
68 / 100
48 / 100
Moat domains
Supply, Demand, Legal, Financial
Supply, Demand
Last update
2026-01-04
2026-01-06

Moat coverage

Shared moat types

Operational Excellence

Chubb Limited strengths

Distribution ControlBrand TrustCompliance AdvantageCost Of Capital AdvantageInstalled Base Consumables

Lowe's Companies, Inc. strengths

Physical Network DensitySupply Chain ControlScope EconomiesHabit Default

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%

Lowe's Companies, Inc. segments

Full profile >

Home Improvement Operations (Omnichannel)

Competitive

100%

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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.