VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Friday, January 2, 2026

Stock Comparison

Fair Isaac Corporation vs Vulcan Materials Company

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

Vulcan Materials Company

VMC · New York Stock Exchange

Market cap (USD)$38.3B
Gross margin (TTM)
Operating margin (TTM)
Net margin (TTM)
SectorMaterials
IndustryConstruction Materials
CountryUS
Data as of2026-01-01
Moat score
73/ 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 Vulcan Materials Company's moat claims, evidence, and risks.

View VMC analysis

Comparison highlights

  • Moat score gap: Fair Isaac Corporation leads (82 / 100 vs 73 / 100 for Vulcan Materials Company).
  • Segment focus: Fair Isaac Corporation has 2 segments (58.7% in Scores); Vulcan Materials Company has 3 segments (74.4% in Aggregates).
  • Primary market structure: Quasi-Monopoly vs Oligopoly. Pricing power: Strong vs Strong.
  • Moat breadth: Fair Isaac Corporation has 5 moat types across 2 domains; Vulcan Materials Company has 5 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%

Vulcan Materials Company

Aggregates

Market

Construction aggregates (crushed stone, sand & gravel)

Geography

United States (local/regional markets)

Customer

Construction contractors and public infrastructure agencies

Role

Upstream raw materials producer

Revenue share

74.4%

Side-by-side metrics

Fair Isaac Corporation
Vulcan Materials Company
Ticker / Exchange
FICO - New York Stock Exchange
VMC - New York Stock Exchange
Market cap (USD)
$39.6B
$38.3B
Gross margin (TTM)
82.2%
n/a
Operating margin (TTM)
46.5%
n/a
Net margin (TTM)
32.8%
n/a
Sector
Technology
Materials
Industry
Software - Application
Construction Materials
HQ country
US
US
Primary segment
Scores
Aggregates
Market structure
Quasi-Monopoly
Oligopoly
Market share
90% (reported)
8%-11% (implied)
HHI estimate
n/a
n/a
Pricing power
Strong
Strong
Moat score
82 / 100
73 / 100
Moat domains
Network, Demand
Legal, Supply
Last update
2025-12-31
2026-01-01

Moat coverage

Shared moat types

No overlap yet.

Fair Isaac Corporation strengths

De Facto StandardFormat Lock InBrand TrustData Workflow LockinSwitching Costs General

Vulcan Materials Company strengths

Permits Rights Of WayGeographic NaturalPhysical Network DensityScale Economies Unit CostSupply Chain Control

Segment mix

Fair Isaac Corporation segments

Full profile >

Scores

Quasi-Monopoly

58.7%

Software

Competitive

41.3%

Vulcan Materials Company segments

Full profile >

Aggregates

Oligopoly

74.4%

Asphalt

Competitive

16.8%

Concrete

Competitive

8.8%

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.