VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Sunday, January 11, 2026

Stock Comparison

Guidewire Software, Inc. vs The Procter & Gamble Company

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

Guidewire Software, Inc.

GWRE · New York Stock Exchange

Market cap (USD)$15.7B
Gross margin (TTM)
Operating margin (TTM)
Net margin (TTM)
SectorTechnology
Industry
CountryUS
Data as of2026-01-11
Moat score
63/ 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 Guidewire Software, Inc.'s moat claims, evidence, and risks.

View GWRE analysis

The Procter & Gamble Company

PG · New York Stock Exchange

Market cap (USD)$331.4B
Gross margin (TTM)51%
Operating margin (TTM)24.2%
Net margin (TTM)19.7%
SectorConsumer
IndustryHousehold & Personal Products
CountryUS
Data as of2025-12-30
Moat score
79/ 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 The Procter & Gamble Company's moat claims, evidence, and risks.

View PG analysis

Comparison highlights

  • Moat score gap: The Procter & Gamble Company leads (79 / 100 vs 63 / 100 for Guidewire Software, Inc.).
  • Segment focus: Guidewire Software, Inc. has 2 segments (81.8% in Core P&C insurance platform software (InsuranceSuite, InsuranceNow, Guidewire Cloud Platform)); The Procter & Gamble Company has 5 segments (35.1% in Fabric & Home Care).
  • Moat breadth: Guidewire Software, Inc. has 7 moat types across 4 domains; The Procter & Gamble Company has 4 across 2.

Primary market context

Guidewire Software, Inc.

Core P&C insurance platform software (InsuranceSuite, InsuranceNow, Guidewire Cloud Platform)

Market

Property & casualty insurance core systems platforms (policy administration, claims, billing) with cloud delivery

Geography

Global

Customer

Property & casualty insurers (global carriers to regional/local providers)

Role

Vertical enterprise application vendor / cloud platform operator

Revenue share

81.8%

The Procter & Gamble Company

Fabric & Home Care

Market

Branded fabric care and home care (laundry detergents/additives, dish care, surface/home cleaning, air care)

Geography

Global

Customer

Consumers via retail and e-commerce channels

Role

Brand owner / manufacturer

Revenue share

35.1%

Side-by-side metrics

Guidewire Software, Inc.
The Procter & Gamble Company
Ticker / Exchange
GWRE - New York Stock Exchange
PG - New York Stock Exchange
Market cap (USD)
$15.7B
$331.4B
Gross margin (TTM)
n/a
51%
Operating margin (TTM)
n/a
24.2%
Net margin (TTM)
n/a
19.7%
Sector
Technology
Consumer
Industry
n/a
Household & Personal Products
HQ country
US
US
Primary segment
Core P&C insurance platform software (InsuranceSuite, InsuranceNow, Guidewire Cloud Platform)
Fabric & Home Care
Market structure
Oligopoly
Oligopoly
Market share
n/a
35% (reported)
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
63 / 100
79 / 100
Moat domains
Demand, Network, Legal, Supply
Demand, Supply
Last update
2026-01-11
2025-12-30

Moat coverage

Shared moat types

No overlap yet.

Guidewire Software, Inc. strengths

Switching Costs GeneralLong Term ContractsEcosystem ComplementsSuite BundlingCompliance AdvantageCapex Knowhow ScaleDesign In Qualification

The Procter & Gamble Company strengths

Brand TrustDistribution ControlScale Economies Unit CostInstalled Base Consumables

Segment mix

Guidewire Software, Inc. segments

Full profile >

Core P&C insurance platform software (InsuranceSuite, InsuranceNow, Guidewire Cloud Platform)

Oligopoly

81.8%

Professional services (implementation, cloud migration, integration)

Competitive

18.2%

The Procter & Gamble Company segments

Full profile >

Beauty

Oligopoly

17.8%

Grooming

Quasi-Monopoly

7.9%

Health Care

Oligopoly

14.2%

Fabric & Home Care

Oligopoly

35.1%

Baby, Feminine & Family Care

Oligopoly

24%

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

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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.