VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Wednesday, January 7, 2026

Stock Comparison

Chubb Limited vs Moody's 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

Moody's Corporation

MCO · New York Stock Exchange

Market cap (USD)$94.7B
Gross margin (TTM)67.5%
Operating margin (TTM)43.5%
Net margin (TTM)29.9%
SectorFinancials
IndustryFinancial - Data & Stock Exchanges
CountryUS
Data as of2025-12-21
Moat score
79/ 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 Moody's Corporation's moat claims, evidence, and risks.

View MCO analysis

Comparison highlights

  • Moat score gap: Moody's Corporation leads (79 / 100 vs 68 / 100 for Chubb Limited).
  • Segment focus: Chubb Limited has 6 segments (40% in North America Commercial P&C Insurance); Moody's Corporation has 2 segments (53.5% in Moody's Investors Service (Credit Ratings)).
  • Primary market structure: Competitive vs Oligopoly. Pricing power: Moderate vs Strong.
  • Moat breadth: Chubb Limited has 6 moat types across 4 domains; Moody's Corporation has 5 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%

Moody's Corporation

Moody's Investors Service (Credit Ratings)

Market

Credit ratings and ratings-related research

Geography

Global

Customer

Issuers, investors, regulators

Role

Credit rating agency / research provider

Revenue share

53.5%

Side-by-side metrics

Chubb Limited
Moody's Corporation
Ticker / Exchange
CB - New York Stock Exchange
MCO - New York Stock Exchange
Market cap (USD)
$126.1B
$94.7B
Gross margin (TTM)
28.5%
67.5%
Operating margin (TTM)
21.1%
43.5%
Net margin (TTM)
16.5%
29.9%
Sector
Financials
Financials
Industry
Insurance - Property & Casualty
Financial - Data & Stock Exchanges
HQ country
CH
US
Primary segment
North America Commercial P&C Insurance
Moody's Investors Service (Credit Ratings)
Market structure
Competitive
Oligopoly
Market share
n/a
29%-32% (estimated)
HHI estimate
n/a
3,568
Pricing power
Moderate
Strong
Moat score
68 / 100
79 / 100
Moat domains
Supply, Demand, Legal, Financial
Legal, Network, Demand, Supply
Last update
2026-01-04
2025-12-21

Moat coverage

Shared moat types

Brand Trust

Chubb Limited strengths

Distribution ControlOperational ExcellenceCompliance AdvantageCost Of Capital AdvantageInstalled Base Consumables

Moody's Corporation strengths

Regulated Standards PipeDe Facto StandardData Workflow LockinScope Economies

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%

Moody's Corporation segments

Full profile >

Moody's Investors Service (Credit Ratings)

Oligopoly

53.5%

Moody's Analytics (Risk & Data/Software)

Competitive

46.5%

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.