VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

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Thursday, January 8, 2026

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Stock Comparison

Fair Isaac Corporation vs Lifco AB (publ)

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

Fair Isaac Corporation

FICO · New York Stock Exchange

Market cap (USD)$40.1B

Gross margin (TTM)82.2%

Operating margin (TTM)46.5%

Net margin (TTM)32.8%

SectorTechnology

IndustrySoftware - Application

CountryUS

Data as of2025-12-31

Moat score

82/ 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 Fair Isaac Corporation's moat claims, evidence, and risks.

View FICO analysis

Lifco AB (publ)

LIFCO-B · Nasdaq Stockholm

Market cap (USD)$152.8B

Gross margin (TTM)43.9%

Operating margin (TTM)18.4%

Net margin (TTM)12.8%

SectorIndustrials

IndustryConglomerates

CountrySE

Data as of2026-01-06

Moat score

58/ 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 Lifco AB (publ)'s moat claims, evidence, and risks.

View LIFCO-B analysis

Comparison highlights

Moat score gap: Fair Isaac Corporation leads (82 / 100 vs 58 / 100 for Lifco AB (publ)).
Segment focus: Fair Isaac Corporation has 2 segments (58.7% in Scores); Lifco AB (publ) has 3 segments (51.2% in Systems Solutions).
Primary market structure: Quasi-Monopoly vs Competitive. Pricing power: Strong vs Moderate.
Moat breadth: Fair Isaac Corporation has 5 moat types across 2 domains; Lifco AB (publ) has 8 across 2.

Primary market context

Fair Isaac Corporation

Scores

Market

Consumer credit scoring and related predictive scores used in lending decisions

Geography

Primarily United States; also international

Customer

Lenders (mortgage, credit card, auto, etc.), consumer reporting agencies, and consumers (B2C)

Role

Score model developer/licensor; distribution via consumer reporting agencies and direct-to-consumer channels

Revenue share

58.7%

Lifco AB (publ)

Systems Solutions

Market

Niche B2B systems solutions (contract manufacturing, environmental technology, infrastructure products, special products, transportation products)

Geography

Primarily Europe; global customers where applicable

Customer

B2B OEMs and industrial customers

Role

Niche manufacturer and systems solution provider

Revenue share

51.2%

Side-by-side metrics

Fair Isaac Corporation

Lifco AB (publ)

Ticker / Exchange

FICO - New York Stock Exchange

LIFCO-B - Nasdaq Stockholm

Market cap (USD)

$40.1B

$152.8B

Gross margin (TTM)

82.2%

43.9%

Operating margin (TTM)

46.5%

18.4%

Net margin (TTM)

32.8%

12.8%

Sector

Technology

Industrials

Industry

Software - Application

Conglomerates

HQ country

Primary segment

Scores

Systems Solutions

Market structure

Quasi-Monopoly

Competitive

Market share

90% (reported)

n/a

HHI estimate

n/a

Pricing power

Strong

Moderate

Moat score

82 / 100

58 / 100

Moat domains

Network, Demand

Supply, Demand

Last update

2025-12-31

2026-01-06

Moat coverage

Shared moat types

Brand TrustData Workflow Lockin

Fair Isaac Corporation strengths

De Facto StandardFormat Lock InSwitching Costs General

Lifco AB (publ) strengths

Distribution ControlService Field NetworkInstalled Base ConsumablesCapex Knowhow ScaleDesign In QualificationOperational Excellence

Segment mix

Fair Isaac Corporation segments

Full profile >

Scores

Quasi-Monopoly

58.7%

Software

Competitive

41.3%

Lifco AB (publ) segments

Full profile >

Dental

Oligopoly

24.1%

Demolition & Tools

Oligopoly

24.7%

Systems Solutions

Competitive

51.2%

Want the full wide moat stocks list?

Browse the full ranking of wide moat stocks, updated with moat scores and segment context.

View the moat stocks list

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.