VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Friday, January 2, 2026

Stock Comparison

Fair Isaac Corporation vs Old Dominion Freight Line, Inc.

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)$39.6B
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

Old Dominion Freight Line, Inc.

ODFL · The Nasdaq Stock Market LLC

Market cap (USD)$33.4B
Gross margin (TTM)
Operating margin (TTM)
Net margin (TTM)
SectorIndustrials
IndustryTrucking
CountryUS
Data as of2026-01-02
Moat score
76/ 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 Old Dominion Freight Line, Inc.'s moat claims, evidence, and risks.

View ODFL analysis

Comparison highlights

  • Moat score gap: Fair Isaac Corporation leads (82 / 100 vs 76 / 100 for Old Dominion Freight Line, Inc.).
  • Segment focus: Fair Isaac Corporation has 2 segments (58.7% in Scores); Old Dominion Freight Line, Inc. has 2 segments (99.1% in LTL Services).
  • Primary market structure: Quasi-Monopoly vs Oligopoly. Pricing power: Strong vs Moderate.
  • Moat breadth: Fair Isaac Corporation has 5 moat types across 2 domains; Old Dominion Freight Line, Inc. has 7 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%

Old Dominion Freight Line, Inc.

LTL Services

Market

North American less-than-truckload (LTL) freight transportation

Geography

North America (primarily United States)

Customer

B2B shippers

Role

Asset-based LTL carrier (terminal network + pickup & delivery + linehaul)

Revenue share

99.1%

Side-by-side metrics

Fair Isaac Corporation
Old Dominion Freight Line, Inc.
Ticker / Exchange
FICO - New York Stock Exchange
ODFL - The Nasdaq Stock Market LLC
Market cap (USD)
$39.6B
$33.4B
Gross margin (TTM)
82.2%
n/a
Operating margin (TTM)
46.5%
n/a
Net margin (TTM)
32.8%
n/a
Sector
Technology
Industrials
Industry
Software - Application
Trucking
HQ country
US
US
Primary segment
Scores
LTL Services
Market structure
Quasi-Monopoly
Oligopoly
Market share
90% (reported)
11%-14% (implied)
HHI estimate
n/a
n/a
Pricing power
Strong
Moderate
Moat score
82 / 100
76 / 100
Moat domains
Network, Demand
Supply, Demand
Last update
2025-12-31
2026-01-02

Moat coverage

Shared moat types

Switching Costs General

Fair Isaac Corporation strengths

De Facto StandardFormat Lock InBrand TrustData Workflow Lockin

Old Dominion Freight Line, Inc. strengths

Physical Network DensityCapex Knowhow ScaleOperational ExcellenceReputation ReviewsSuite BundlingProcurement Inertia

Segment mix

Fair Isaac Corporation segments

Full profile >

Scores

Quasi-Monopoly

58.7%

Software

Competitive

41.3%

Old Dominion Freight Line, Inc. segments

Full profile >

LTL Services

Oligopoly

99.1%

Other Services (Value-added logistics)

Competitive

0.9%

Want the full wide moat stocks list?

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

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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.