VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Stock Comparison

Edenred SE vs Wise plc

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

Edenred SE

EDEN · Euronext Paris

Market cap (USD)$5.9B
Gross margin (TTM)49.3%
Operating margin (TTM)33.2%
Net margin (TTM)19.3%
SectorFinancials
IndustryFinancial - Credit Services
CountryFR
Data as of2025-12-28
Moat score
67/ 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 Edenred SE's moat claims, evidence, and risks.

View EDEN 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: Edenred SE leads (67 / 100 vs 57 / 100 for Wise plc).
  • Segment focus: Edenred SE has 3 segments (65.2% in Benefits & Engagement); Wise plc has 2 segments (74.7% in Personal international account and cross-border transfers).
  • Primary market structure: Oligopoly vs Competitive. Pricing power: Moderate vs Weak.
  • Moat breadth: Edenred SE has 7 moat types across 5 domains; Wise plc has 6 across 5.

Primary market context

Edenred SE

Benefits & Engagement

Market

Employee benefits and engagement solutions (meal vouchers, gift/incentives, engagement platforms)

Geography

Global

Customer

Employers / HR departments

Role

Issuer + payment network orchestrator (specific-purpose payments)

Revenue share

65.2%

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

Edenred SE
Wise plc
Ticker / Exchange
EDEN - Euronext Paris
WISE - London Stock Exchange
Market cap (USD)
$5.9B
$14.1B
Gross margin (TTM)
49.3%
56%
Operating margin (TTM)
33.2%
32.2%
Net margin (TTM)
19.3%
23.5%
Sector
Financials
Financials
Industry
Financial - Credit Services
Information Technology Services
HQ country
FR
GB
Primary segment
Benefits & Engagement
Personal international account and cross-border transfers
Market structure
Oligopoly
Competitive
Market share
n/a
4.5%-5.5% (reported)
HHI estimate
n/a
n/a
Pricing power
Moderate
Weak
Moat score
67 / 100
57 / 100
Moat domains
Legal, Network, Financial, Demand, Supply
Supply, Demand, Financial, Network, Legal
Last update
2025-12-28
2026-04-24

Moat coverage

Shared moat types

Float PrepaymentBrand Trust

Edenred SE strengths

Regulated Standards PipeTwo Sided NetworkSwitching Costs GeneralCapex Knowhow ScaleSuite Bundling

Wise plc strengths

Scale Economies Unit CostInteroperability HubData Workflow LockinCompliance Advantage

Segment mix

Edenred SE segments

Full profile >

Benefits & Engagement

Oligopoly

65.2%

Mobility

Oligopoly

23.9%

Complementary Solutions

Competitive

10.8%

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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Proven models entering the expansion stage with unit economics that work.

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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.