VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Wednesday, January 7, 2026
Stock Comparison
Fair Isaac Corporation vs The Progressive 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
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 analysisThe Progressive Corporation
PGR · 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 The Progressive Corporation's moat claims, evidence, and risks.
View PGR analysisComparison highlights
- Moat score gap: Fair Isaac Corporation leads (82 / 100 vs 75 / 100 for The Progressive Corporation).
- Segment focus: Fair Isaac Corporation has 2 segments (58.7% in Scores); The Progressive Corporation has 2 segments (85% in Personal Lines).
- Primary market structure: Quasi-Monopoly vs Oligopoly. Pricing power: Strong vs Moderate.
- Moat breadth: Fair Isaac Corporation has 5 moat types across 2 domains; The Progressive Corporation has 5 across 2.
Primary market context
Fair Isaac Corporation
Scores
Consumer credit scoring and related predictive scores used in lending decisions
Primarily United States; also international
Lenders (mortgage, credit card, auto, etc.), consumer reporting agencies, and consumers (B2C)
Score model developer/licensor; distribution via consumer reporting agencies and direct-to-consumer channels
58.7%
The Progressive Corporation
Personal Lines
U.S. private passenger auto insurance (dominant) plus specialty personal lines and homeowners/renters (small portion)
United States
Individuals/households
Primary insurer (P&C)
85%
Side-by-side metrics
Moat coverage
Shared moat types
Fair Isaac Corporation strengths
The Progressive Corporation strengths
Segment mix
Fair Isaac Corporation segments
Full profile >Scores
Quasi-Monopoly
Software
Competitive
The Progressive Corporation segments
Full profile >Personal Lines
Oligopoly
Commercial Lines
Competitive
Want the full wide moat stocks list?
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View the moat stocks listLooking for expansion-stage stocks?
Proven models entering the expansion stage with unit economics that work.
View expansion-stage stocksCuration & 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.