VOL. XCIV, NO. 247

* MOAT STOCKS COMPARISON *

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Friday, December 26, 2025

Stock Comparison

Mastercard Incorporated vs Microsoft Corporation

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

Mastercard Incorporated

MA · New York Stock Exchange

Market cap (USD)$516.9B
SectorFinancials
CountryUS
Data as of2025-12-21
Moat score
77/ 100

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

View full moat analysis >

Microsoft Corporation

MSFT · Nasdaq Global Select Market

Market cap (USD)$3.6T
SectorTechnology
CountryUS
Data as of2025-12-21
Moat score
84/ 100

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

View full moat analysis >

Side-by-side metrics

Mastercard Incorporated
Microsoft Corporation
Ticker / Exchange
MA - New York Stock Exchange
MSFT - Nasdaq Global Select Market
Market cap (USD)
$516.9B
$3.6T
Sector
Financials
Technology
HQ country
US
US
Primary segment
Payment Network
Productivity and Business Processes
Market structure
Oligopoly
Oligopoly
Market share
29.7% (reported)
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Strong
Moat score
77 / 100
84 / 100
Moat domains
Network, Demand, Legal
Demand, Network, Supply, Legal
Last update
2025-12-21
2025-12-21

Moat coverage

Shared moat types

Two Sided NetworkData Workflow Lockin

Mastercard Incorporated strengths

Clearing SettlementBrand TrustRegulated Standards PipeData Network Effects

Microsoft Corporation strengths

Suite BundlingLong Term ContractsCapex Knowhow ScaleEcosystem ComplementsOperational ExcellenceDefault OS GatewayContent Rights Currency

Segment mix

Mastercard Incorporated segments

Full profile >

Payment Network

Oligopoly

61.5%

Value-Added Services and Solutions

Competitive

38.5%

Microsoft Corporation segments

Full profile >

Productivity and Business Processes

Oligopoly

42.9%

Intelligent Cloud

Oligopoly

37.7%

More Personal Computing

Quasi-Monopoly

19.4%

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.