VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Sunday, January 11, 2026
Stock Comparison
Fiserv, Inc. vs UnitedHealth Group Incorporated
Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.
Fiserv, Inc.
FISV · 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 Fiserv, Inc.'s moat claims, evidence, and risks.
View FISV analysisUnitedHealth Group Incorporated
UNH · 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 UnitedHealth Group Incorporated's moat claims, evidence, and risks.
View UNH analysisComparison highlights
- Moat score gap: Fiserv, Inc. leads (67 / 100 vs 64 / 100 for UnitedHealth Group Incorporated).
- Segment focus: Fiserv, Inc. has 2 segments (50.4% in Merchant); UnitedHealth Group Incorporated has 4 segments (74.9% in UnitedHealthcare).
- Primary market structure: Oligopoly vs Oligopoly. Pricing power: Moderate vs Weak.
- Moat breadth: Fiserv, Inc. has 6 moat types across 3 domains; UnitedHealth Group Incorporated has 5 across 2.
Primary market context
Fiserv, Inc.
Merchant
Merchant acquiring and commerce enablement (SMB + enterprise omnichannel payments, POS, gateway/orchestration, and related software)
Global
Merchants (SMB and enterprise), plus channel partners (ISVs/ISOs/financial institutions) that serve or refer merchants
Merchant acquirer / payment processor / commerce and POS platform provider
50.4%
UnitedHealth Group Incorporated
UnitedHealthcare
U.S. health benefits / managed care (commercial, Medicare Advantage, Medicaid managed care)
United States (primarily)
Employers, individuals, and government-sponsored programs
Health insurer / managed care organization
74.9%
Side-by-side metrics
Moat coverage
Shared moat types
Fiserv, Inc. strengths
UnitedHealth Group Incorporated strengths
Segment mix
Fiserv, Inc. segments
Full profile >Merchant
Oligopoly
Financial
Oligopoly
UnitedHealth Group Incorporated segments
Full profile >UnitedHealthcare
Oligopoly
Optum Health
Competitive
Optum Insight
Competitive
Optum Rx
Oligopoly
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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.