VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

Stock Comparison

Equifax Inc. vs TransUnion

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

Equifax Inc.

EFX · New York Stock Exchange

Market cap (USD)$19.7B
Gross margin (TTM)44.7%
Operating margin (TTM)18.3%
Net margin (TTM)11.1%
SectorIndustrials
IndustryConsulting Services
CountryUS
Data as of2026-05-26
Moat score
78/ 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 Equifax Inc.'s moat claims, evidence, and risks.

View EFX analysis

TransUnion

TRU · New York Stock Exchange

Market cap (USD)$13.6B
Gross margin (TTM)52.7%
Operating margin (TTM)18.1%
Net margin (TTM)14.9%
SectorFinancials
IndustryConsulting Services
CountryUS
Data as of2026-05-27
Moat score
62/ 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 TransUnion's moat claims, evidence, and risks.

View TRU analysis

Comparison highlights

  • Moat score gap: Equifax Inc. leads (78 / 100 vs 62 / 100 for TransUnion).
  • Segment focus: Equifax Inc. has 4 segments (36.7% in U.S. Information Solutions); TransUnion has 4 segments (36.7% in U.S. Markets - Financial Services).
  • Moat breadth: Equifax Inc. has 8 moat types across 4 domains; TransUnion has 8 across 4.

Primary market context

Equifax Inc.

U.S. Information Solutions

Market

U.S. consumer and commercial credit information, mortgage credit, identity, fraud, analytics and financial marketing services

Geography

United States

Customer

Banks, mortgage lenders, auto lenders, credit card issuers, telecoms, utilities, merchants, resellers, and consumers

Role

Consumer reporting agency, credit-data supplier, decisioning workflow provider, fraud/identity data provider and mortgage-data distributor

Revenue share

36.7%

TransUnion

U.S. Markets - Financial Services

Market

U.S. consumer credit bureau data & risk analytics for lenders

Geography

United States

Customer

B2B (banks, lenders, fintechs, mortgage/auto originators)

Role

Consumer reporting agency & decisioning analytics provider

Revenue share

36.7%

Side-by-side metrics

Equifax Inc.
TransUnion
Ticker / Exchange
EFX - New York Stock Exchange
TRU - New York Stock Exchange
Market cap (USD)
$19.7B
$13.6B
Gross margin (TTM)
44.7%
52.7%
Operating margin (TTM)
18.3%
18.1%
Net margin (TTM)
11.1%
14.9%
Sector
Industrials
Financials
Industry
Consulting Services
Consulting Services
HQ country
US
US
Primary segment
U.S. Information Solutions
U.S. Markets - Financial Services
Market structure
Oligopoly
Oligopoly
Market share
25%-35% (estimated)
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
78 / 100
62 / 100
Moat domains
Network, Legal, Demand, Supply
Network, Demand, Legal, Supply
Last update
2026-05-26
2026-05-27

Moat coverage

Shared moat types

Data Network EffectsCompliance AdvantageDe Facto StandardData Workflow Lockin

Equifax Inc. strengths

Two Sided NetworkContractual ExclusivityTraining Org Change CostsGeographic Natural

TransUnion strengths

Standards RegistryScope EconomiesBrand TrustHabit Default

Segment mix

Equifax Inc. segments

Full profile >

Workforce Verification Services

Quasi-Monopoly

34.7%

Workforce Employer Services

Competitive

6.8%

U.S. Information Solutions

Oligopoly

36.7%

International

Oligopoly

21.8%

TransUnion segments

Full profile >

U.S. Markets - Financial Services

Oligopoly

36.7%

U.S. Markets - Emerging Verticals

Competitive

28.7%

U.S. Markets - Consumer Interactive

Competitive

12.5%

International

Oligopoly

22%

Want the full wide moat stocks list?

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Looking for expansion-stage stocks?

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

View expansion-stage stocks

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.