VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Wednesday, December 31, 2025
Stock Comparison
Equifax Inc. vs UnitedHealth Group Incorporated
Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.
Equifax Inc.
EFX · New York Stock Exchange
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 analysisUnitedHealth Group Incorporated
UNH · New York Stock Exchange
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 analysisComparison highlights
- Moat score gap: Equifax Inc. leads (70 / 100 vs 64 / 100 for UnitedHealth Group Incorporated).
- Segment focus: Equifax Inc. has 3 segments (42.8% in Workforce Solutions); UnitedHealth Group Incorporated has 4 segments (74.9% in UnitedHealthcare).
- Primary market structure: Oligopoly vs Oligopoly. Pricing power: Strong vs Weak.
- Moat breadth: Equifax Inc. has 3 moat types across 3 domains; UnitedHealth Group Incorporated has 5 across 2.
Primary market context
Equifax Inc.
Workforce Solutions
Income & employment verification and employer HR compliance services
Primarily U.S. (with smaller international offerings)
Employers, lenders, government agencies, and credentialed verifiers
Payroll-fed data & verification intermediary
42.8%
UnitedHealth Group Incorporated
UnitedHealthcare
U.S. health benefits / managed care (commercial, Medicare Advantage, Medicaid managed care)
United States (primarily)
Employers, individuals, and government-sponsored programs
Health insurer / managed care organization
74.9%
Side-by-side metrics
Moat coverage
Shared moat types
Equifax Inc. strengths
UnitedHealth Group Incorporated strengths
Segment mix
Equifax Inc. segments
Full profile >Workforce Solutions
Oligopoly
U.S. Information Solutions
Oligopoly
International
Competitive
UnitedHealth Group Incorporated segments
Full profile >UnitedHealthcare
Oligopoly
Optum Health
Competitive
Optum Insight
Competitive
Optum Rx
Oligopoly
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View the moat stocks listCuration & 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.