VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Saturday, January 10, 2026
Stock Comparison
Fair Isaac Corporation vs Ulta Beauty, 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
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 analysisUlta Beauty, Inc.
ULTA · NASDAQ
Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.
Full stock profile
Dive deeper into Ulta Beauty, Inc.'s moat claims, evidence, and risks.
View ULTA analysisComparison highlights
- Moat score gap: Fair Isaac Corporation leads (82 / 100 vs 58 / 100 for Ulta Beauty, Inc.).
- Segment focus: Fair Isaac Corporation has 2 segments (58.7% in Scores); Ulta Beauty, Inc. has 3 segments (94% in Beauty Products Retail).
- Primary market structure: Quasi-Monopoly vs Competitive. Pricing power: Strong vs Moderate.
- Moat breadth: Fair Isaac Corporation has 5 moat types across 2 domains; Ulta Beauty, Inc. has 8 across 5.
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%
Ulta Beauty, Inc.
Beauty Products Retail
U.S. beauty products retail (specialty omnichannel beauty retailer)
United States
Consumers (end-users) shopping in-store and online
Specialty retailer / distributor
94%
Side-by-side metrics
Moat coverage
Shared moat types
Fair Isaac Corporation strengths
Ulta Beauty, Inc. strengths
Segment mix
Fair Isaac Corporation segments
Full profile >Scores
Quasi-Monopoly
Software
Competitive
Ulta Beauty, Inc. segments
Full profile >Beauty Products Retail
Competitive
Beauty Services
Competitive
Platform Monetization (Retail Media, Credit Cards, Partner Royalties, Deferred Revenue)
Competitive
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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.