VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Stock Comparison

Chubb Limited vs Wise plc

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)$129.9B
Gross margin (TTM)35.2%
Operating margin (TTM)23.8%
Net margin (TTM)18.5%
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

Wise plc

WISE · London Stock Exchange

Market cap (USD)$14.1B
Gross margin (TTM)56%
Operating margin (TTM)32.2%
Net margin (TTM)23.5%
SectorFinancials
IndustryInformation Technology Services
CountryGB
Data as of2026-04-24
Moat score
57/ 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 Wise plc's moat claims, evidence, and risks.

View WISE analysis

Comparison highlights

  • Moat score gap: Chubb Limited leads (68 / 100 vs 57 / 100 for Wise plc).
  • Segment focus: Chubb Limited has 6 segments (40% in North America Commercial P&C Insurance); Wise plc has 2 segments (74.7% in Personal international account and cross-border transfers).
  • Primary market structure: Competitive vs Competitive. Pricing power: Moderate vs Weak.
  • Moat breadth: Chubb Limited has 6 moat types across 4 domains; Wise plc has 6 across 5.

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%

Wise plc

Personal international account and cross-border transfers

Market

Personal cross-border money movement, international account, card and multi-currency balance services

Geography

Global, across more than 160 countries and 40 currencies

Customer

Consumers, expatriates, travellers, migrants, freelancers and internationally active individuals

Role

Digital cross-border transfer, account, card, FX conversion and balance-management provider

Revenue share

74.7%

Side-by-side metrics

Chubb Limited
Wise plc
Ticker / Exchange
CB - New York Stock Exchange
WISE - London Stock Exchange
Market cap (USD)
$129.9B
$14.1B
Gross margin (TTM)
35.2%
56%
Operating margin (TTM)
23.8%
32.2%
Net margin (TTM)
18.5%
23.5%
Sector
Financials
Financials
Industry
Insurance - Property & Casualty
Information Technology Services
HQ country
CH
GB
Primary segment
North America Commercial P&C Insurance
Personal international account and cross-border transfers
Market structure
Competitive
Competitive
Market share
n/a
4.5%-5.5% (reported)
HHI estimate
n/a
n/a
Pricing power
Moderate
Weak
Moat score
68 / 100
57 / 100
Moat domains
Supply, Demand, Legal, Financial
Supply, Demand, Financial, Network, Legal
Last update
2026-01-04
2026-04-24

Moat coverage

Shared moat types

Brand TrustCompliance Advantage

Chubb Limited strengths

Distribution ControlOperational ExcellenceCost Of Capital AdvantageInstalled Base Consumables

Wise plc strengths

Scale Economies Unit CostFloat PrepaymentInteroperability HubData Workflow Lockin

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%

Wise plc segments

Full profile >

Personal international account and cross-border transfers

Competitive

74.7%

Wise Business and Wise Platform

Competitive

25.3%

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.