WIDE MOAT STOCKS COMPARISON

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Stock Comparison

Fair Isaac Corporation vs Oracle Corporation

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)$15.6B
Gross margin (TTM)86.1%
Operating margin (TTM)49.9%
Net margin (TTM)32.9%
SectorTechnology
IndustryApplication software
CountryUS
Data as of2026-08-23
82/100
Moat score

Weighted across the company's segments.

Full stock profile

Dive deeper into Fair Isaac Corporation's moat claims, evidence, and risks.

View FICO analysis

Oracle Corporation

ORCL · New York Stock Exchange

Market cap (USD)$366.8B
Gross margin (TTM)64%
Operating margin (TTM)32.1%
Net margin (TTM)26.4%
SectorTechnology
IndustryInfrastructure software
CountryUS
Data as of2026-08-23
68/100
Moat score

Weighted across the company's segments.

Full stock profile

Dive deeper into Oracle Corporation's moat claims, evidence, and risks.

View ORCL analysis

Comparison highlights

  • Moat score gap: Fair Isaac Corporation leads (82 / 100 vs 68 / 100 for Oracle Corporation).
  • Segment focus: Fair Isaac Corporation has 2 segments (65.2% in Scores); Oracle Corporation has 5 segments (36.4% in Software license and support).
  • Primary market structure: Oligopoly vs Oligopoly. Pricing power: Strong vs Moderate.
  • Moat breadth: Fair Isaac Corporation has 3 moat types across 2 domains; Oracle Corporation has 4 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

65.2%

Oracle Corporation

Software license and support

Market

Enterprise software licenses and support for databases, middleware, and applications (on-premise and hybrid/cloud)

Geography

Global

Customer

Enterprises & public sector

Role

Software vendor (licenses)

Revenue share

36.4%

Side-by-side metrics

Fair Isaac Corporation
Oracle Corporation
Ticker / Exchange
FICO - New York Stock Exchange
ORCL - New York Stock Exchange
Market cap (USD)
$15.6B
$366.8B
Gross margin (TTM)
86.1%
64%
Operating margin (TTM)
49.9%
32.1%
Net margin (TTM)
32.9%
26.4%
Sector
Technology
Technology
Industry
Application software
Infrastructure software
HQ country
US
US
Primary segment
Scores
Software license and support
Market structure
Oligopoly
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Strong
Moderate
Moat score
82 / 100
68 / 100
Moat domains
Network, Demand
Demand, Supply
Last update
2026-09-05
2026-09-05

Moat coverage

Shared moat types

No overlap yet.

Fair Isaac Corporation strengths

De Facto StandardFormat Lock InData Workflow Lockin

Oracle Corporation strengths

Suite BundlingCapex Knowhow ScaleLong Term ContractsSwitching Costs General

Segment mix

Fair Isaac Corporation segments

Full profile >

Scores

Oligopoly

65.2%

Software

Competitive

34.8%

Oracle Corporation segments

Full profile >

Cloud applications

Oligopoly

23.6%

Cloud infrastructure

Oligopoly

26.9%

Software license and support

Oligopoly

36.4%

Hardware

Competitive

4.6%

Services

Competitive

8.5%

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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.