VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Saturday, January 10, 2026

Stock Comparison

Lowe's Companies, Inc. vs TransUnion

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

Lowe's Companies, Inc.

LOW · New York Stock Exchange

Market cap (USD)$149.9B
Gross margin (TTM)31.4%
Operating margin (TTM)12.1%
Net margin (TTM)8.1%
SectorConsumer
IndustryHome Improvement
CountryUS
Data as of2026-01-06
Moat score
48/ 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 Lowe's Companies, Inc.'s moat claims, evidence, and risks.

View LOW analysis

TransUnion

TRU · New York Stock Exchange

Market cap (USD)$17.1B
Gross margin (TTM)52.8%
Operating margin (TTM)18.7%
Net margin (TTM)9.5%
SectorFinancials
IndustryConsulting Services
CountryUS
Data as of2025-12-23
Moat score
61/ 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 TransUnion's moat claims, evidence, and risks.

View TRU analysis

Comparison highlights

  • Moat score gap: TransUnion leads (61 / 100 vs 48 / 100 for Lowe's Companies, Inc.).
  • Segment focus: Lowe's Companies, Inc. has 1 segment (100% in Home Improvement Operations (Omnichannel)); TransUnion has 4 segments (34.2% in U.S. Markets - Financial Services).
  • Primary market structure: Competitive vs Oligopoly. Pricing power: Weak vs Moderate.
  • Moat breadth: Lowe's Companies, Inc. has 5 moat types across 2 domains; TransUnion has 8 across 4.

Primary market context

Lowe's Companies, Inc.

Home Improvement Operations (Omnichannel)

Market

U.S. home improvement retail and related services (DIY and Pro; omnichannel)

Geography

United States

Customer

DIY consumers and small-to-medium professional contractors

Role

Omnichannel retailer and distributor

Revenue share

100%

TransUnion

U.S. Markets - Financial Services

Market

U.S. consumer credit bureau data & risk analytics for lenders

Geography

United States

Customer

B2B (banks, lenders, fintechs, mortgage/auto originators)

Role

Consumer reporting agency & decisioning analytics provider

Revenue share

34.2%

Side-by-side metrics

Lowe's Companies, Inc.
TransUnion
Ticker / Exchange
LOW - New York Stock Exchange
TRU - New York Stock Exchange
Market cap (USD)
$149.9B
$17.1B
Gross margin (TTM)
31.4%
52.8%
Operating margin (TTM)
12.1%
18.7%
Net margin (TTM)
8.1%
9.5%
Sector
Consumer
Financials
Industry
Home Improvement
Consulting Services
HQ country
US
US
Primary segment
Home Improvement Operations (Omnichannel)
U.S. Markets - Financial Services
Market structure
Competitive
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Weak
Moderate
Moat score
48 / 100
61 / 100
Moat domains
Supply, Demand
Network, Demand, Legal, Supply
Last update
2026-01-06
2025-12-23

Moat coverage

Shared moat types

Scope EconomiesHabit Default

Lowe's Companies, Inc. strengths

Physical Network DensitySupply Chain ControlOperational Excellence

TransUnion strengths

Standards RegistryData Network EffectsData Workflow LockinCompliance AdvantageBrand TrustDe Facto Standard

Segment mix

Lowe's Companies, Inc. segments

Full profile >

Home Improvement Operations (Omnichannel)

Competitive

100%

TransUnion segments

Full profile >

U.S. Markets - Financial Services

Oligopoly

34.2%

U.S. Markets - Emerging Verticals

Competitive

29%

U.S. Markets - Consumer Interactive

Competitive

14%

International

Oligopoly

22.8%

Want the full wide moat stocks list?

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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.