VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Thursday, January 8, 2026

Stock Comparison

Dino Polska S.A. vs UnitedHealth Group Incorporated

Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.

Dino Polska S.A.

DNP · Warsaw Stock Exchange

Market cap (USD)$3.7B
Gross margin (TTM)26.1%
Operating margin (TTM)272.7%
Net margin (TTM)261.5%
SectorConsumer
IndustryAsset Management - Income
CountryPL
Data as of2026-01-05
Moat score
66/ 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 Dino Polska S.A.'s moat claims, evidence, and risks.

View DNP analysis

UnitedHealth Group Incorporated

UNH · New York Stock Exchange

Market cap (USD)$309.8B
Gross margin (TTM)19.7%
Operating margin (TTM)6.1%
Net margin (TTM)4%
SectorHealthcare
IndustryMedical - Healthcare Plans
CountryUS
Data as of2025-12-31
Moat score
64/ 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 UnitedHealth Group Incorporated's moat claims, evidence, and risks.

View UNH analysis

Comparison highlights

  • Moat score gap: Dino Polska S.A. leads (66 / 100 vs 64 / 100 for UnitedHealth Group Incorporated).
  • Segment focus: Dino Polska S.A. has 1 segment (100% in Proximity grocery retail (Dino stores)); UnitedHealth Group Incorporated has 4 segments (74.9% in UnitedHealthcare).
  • Moat breadth: Dino Polska S.A. has 5 moat types across 2 domains; UnitedHealth Group Incorporated has 5 across 2.

Primary market context

Dino Polska S.A.

Proximity grocery retail (Dino stores)

Market

Retail grocery (mid-sized proximity supermarkets)

Geography

Poland

Customer

Households / consumers

Role

Brick-and-mortar grocery retailer

Revenue share

100%

UnitedHealth Group Incorporated

UnitedHealthcare

Market

U.S. health benefits / managed care (commercial, Medicare Advantage, Medicaid managed care)

Geography

United States (primarily)

Customer

Employers, individuals, and government-sponsored programs

Role

Health insurer / managed care organization

Revenue share

74.9%

Side-by-side metrics

Dino Polska S.A.
UnitedHealth Group Incorporated
Ticker / Exchange
DNP - Warsaw Stock Exchange
UNH - New York Stock Exchange
Market cap (USD)
$3.7B
$309.8B
Gross margin (TTM)
26.1%
19.7%
Operating margin (TTM)
272.7%
6.1%
Net margin (TTM)
261.5%
4%
Sector
Consumer
Healthcare
Industry
Asset Management - Income
Medical - Healthcare Plans
HQ country
PL
US
Primary segment
Proximity grocery retail (Dino stores)
UnitedHealthcare
Market structure
Oligopoly
Oligopoly
Market share
7%-9% (reported)
n/a
HHI estimate
n/a
n/a
Pricing power
Weak
Weak
Moat score
66 / 100
64 / 100
Moat domains
Supply, Demand
Supply, Demand
Last update
2026-01-05
2025-12-31

Moat coverage

Shared moat types

Operational ExcellenceScale Economies Unit Cost

Dino Polska S.A. strengths

Physical Network DensityHabit DefaultSupply Chain Control

UnitedHealth Group Incorporated strengths

Suite BundlingData Workflow LockinTraining Org Change Costs

Segment mix

Dino Polska S.A. segments

Full profile >

Proximity grocery retail (Dino stores)

Oligopoly

100%

UnitedHealth Group Incorporated segments

Full profile >

UnitedHealthcare

Oligopoly

74.9%

Optum Health

Competitive

9.9%

Optum Insight

Competitive

1.7%

Optum Rx

Oligopoly

13.5%

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.