VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Wednesday, December 31, 2025
Stock Comparison
Fair Isaac Corporation vs U.S. Bancorp
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 analysisU.S. Bancorp
USB · 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 U.S. Bancorp's moat claims, evidence, and risks.
View USB analysisComparison highlights
- Moat score gap: Fair Isaac Corporation leads (82 / 100 vs 62 / 100 for U.S. Bancorp).
- Segment focus: Fair Isaac Corporation has 2 segments (58.7% in Scores); U.S. Bancorp has 3 segments (42.8% in Wealth, Corporate, Commercial and Institutional Banking).
- Primary market structure: Quasi-Monopoly vs Competitive. Pricing power: Strong vs Moderate.
- Moat breadth: Fair Isaac Corporation has 5 moat types across 2 domains; U.S. Bancorp has 8 across 4.
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%
U.S. Bancorp
Wealth, Corporate, Commercial and Institutional Banking
U.S. corporate, commercial, institutional and wealth banking & advisory services
United States
Commercial, institutional, government and wealth clients
Bank / financial intermediary
42.8%
Side-by-side metrics
Moat coverage
Shared moat types
Fair Isaac Corporation strengths
U.S. Bancorp strengths
Segment mix
Fair Isaac Corporation segments
Full profile >Scores
Quasi-Monopoly
Software
Competitive
U.S. Bancorp segments
Full profile >Wealth, Corporate, Commercial and Institutional Banking
Competitive
Consumer and Business Banking
Oligopoly
Payment Services
Oligopoly
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 listCuration & 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.