VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Sunday, January 11, 2026

Stock Comparison

Fiserv, Inc. vs UiPath, Inc.

Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.

Fiserv, Inc.

FISV · NASDAQ

Market cap (USD)$37.7B
Gross margin (TTM)
Operating margin (TTM)
Net margin (TTM)
SectorFinancials
Industry
CountryUS
Data as of2026-01-10
Moat score
67/ 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 Fiserv, Inc.'s moat claims, evidence, and risks.

View FISV analysis

UiPath, Inc.

PATH · New York Stock Exchange

Market cap (USD)$8.7B
Gross margin (TTM)83.2%
Operating margin (TTM)0.7%
Net margin (TTM)14.8%
SectorTechnology
IndustrySoftware - Infrastructure
CountryUS
Data as of2025-12-29
Moat score
70/ 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 UiPath, Inc.'s moat claims, evidence, and risks.

View PATH analysis

Comparison highlights

  • Moat score gap: UiPath, Inc. leads (70 / 100 vs 67 / 100 for Fiserv, Inc.).
  • Segment focus: Fiserv, Inc. has 2 segments (50.4% in Merchant); UiPath, Inc. has 2 segments (97.2% in Automation Platform).
  • Moat breadth: Fiserv, Inc. has 6 moat types across 3 domains; UiPath, Inc. has 3 across 2.

Primary market context

Fiserv, Inc.

Merchant

Market

Merchant acquiring and commerce enablement (SMB + enterprise omnichannel payments, POS, gateway/orchestration, and related software)

Geography

Global

Customer

Merchants (SMB and enterprise), plus channel partners (ISVs/ISOs/financial institutions) that serve or refer merchants

Role

Merchant acquirer / payment processor / commerce and POS platform provider

Revenue share

50.4%

UiPath, Inc.

Automation Platform

Market

Enterprise automation software (RPA + agentic automation platform)

Geography

Global

Customer

Enterprises and public sector

Role

Software platform vendor

Revenue share

97.2%

Side-by-side metrics

Fiserv, Inc.
UiPath, Inc.
Ticker / Exchange
FISV - NASDAQ
PATH - New York Stock Exchange
Market cap (USD)
$37.7B
$8.7B
Gross margin (TTM)
n/a
83.2%
Operating margin (TTM)
n/a
0.7%
Net margin (TTM)
n/a
14.8%
Sector
Financials
Technology
Industry
n/a
Software - Infrastructure
HQ country
US
US
Primary segment
Merchant
Automation Platform
Market structure
Oligopoly
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
67 / 100
70 / 100
Moat domains
Network, Supply, Demand
Demand, Network
Last update
2026-01-10
2025-12-29

Moat coverage

Shared moat types

Ecosystem ComplementsTraining Org Change CostsSuite Bundling

Fiserv, Inc. strengths

Distribution ControlScale Economies Unit CostTwo Sided Network

UiPath, Inc. strengths

No unique moat types yet.

Segment mix

Fiserv, Inc. segments

Full profile >

Merchant

Oligopoly

50.4%

Financial

Oligopoly

49.6%

UiPath, Inc. segments

Full profile >

Automation Platform

Oligopoly

97.2%

Professional Services and Enablement

Competitive

2.8%

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 list

Looking for expansion-stage stocks?

Proven models entering the expansion stage with unit economics that work.

View expansion-stage stocks

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.