VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Stock Comparison

Global Payments Inc. vs Wise plc

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

Global Payments Inc.

GPN · New York Stock Exchange

Market cap (USD)$16.1B
Gross margin (TTM)69.4%
Operating margin (TTM)23.5%
Net margin (TTM)16.9%
SectorFinancials
IndustrySpecialty Business Services
CountryUS
Data as of2026-01-10
Moat score
62/ 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 Global Payments Inc.'s moat claims, evidence, and risks.

View GPN analysis

Wise plc

WISE · London Stock Exchange

Market cap (USD)$14.1B
Gross margin (TTM)56%
Operating margin (TTM)32.2%
Net margin (TTM)23.5%
SectorFinancials
IndustryInformation Technology Services
CountryGB
Data as of2026-04-24
Moat score
57/ 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 Wise plc's moat claims, evidence, and risks.

View WISE analysis

Comparison highlights

  • Moat score gap: Global Payments Inc. leads (62 / 100 vs 57 / 100 for Wise plc).
  • Segment focus: Global Payments Inc. has 2 segments (76.1% in Merchant Solutions); Wise plc has 2 segments (74.7% in Personal international account and cross-border transfers).
  • Primary market structure: Competitive vs Competitive. Pricing power: Moderate vs Weak.
  • Moat breadth: Global Payments Inc. has 6 moat types across 4 domains; Wise plc has 6 across 5.

Primary market context

Global Payments Inc.

Merchant Solutions

Market

Merchant acquiring and integrated payments (card-present and e-commerce)

Geography

Global

Customer

Merchants (SMB to enterprise) and software platforms

Role

Acquirer and payment processor

Revenue share

76.1%

Wise plc

Personal international account and cross-border transfers

Market

Personal cross-border money movement, international account, card and multi-currency balance services

Geography

Global, across more than 160 countries and 40 currencies

Customer

Consumers, expatriates, travellers, migrants, freelancers and internationally active individuals

Role

Digital cross-border transfer, account, card, FX conversion and balance-management provider

Revenue share

74.7%

Side-by-side metrics

Global Payments Inc.
Wise plc
Ticker / Exchange
GPN - New York Stock Exchange
WISE - London Stock Exchange
Market cap (USD)
$16.1B
$14.1B
Gross margin (TTM)
69.4%
56%
Operating margin (TTM)
23.5%
32.2%
Net margin (TTM)
16.9%
23.5%
Sector
Financials
Financials
Industry
Specialty Business Services
Information Technology Services
HQ country
US
GB
Primary segment
Merchant Solutions
Personal international account and cross-border transfers
Market structure
Competitive
Competitive
Market share
n/a
4.5%-5.5% (reported)
HHI estimate
n/a
n/a
Pricing power
Moderate
Weak
Moat score
62 / 100
57 / 100
Moat domains
Network, Demand, Supply, Legal
Supply, Demand, Financial, Network, Legal
Last update
2026-01-10
2026-04-24

Moat coverage

Shared moat types

Data Workflow LockinScale Economies Unit CostCompliance Advantage

Global Payments Inc. strengths

Ecosystem ComplementsLong Term ContractsSwitching Costs General

Wise plc strengths

Brand TrustFloat PrepaymentInteroperability Hub

Segment mix

Global Payments Inc. segments

Full profile >

Merchant Solutions

Competitive

76.1%

Issuer Solutions

Oligopoly

24.6%

Wise plc segments

Full profile >

Personal international account and cross-border transfers

Competitive

74.7%

Wise Business and Wise Platform

Competitive

25.3%

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.