VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Stock Comparison

Mastercard Incorporated vs The Charles Schwab 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)$469.8B
Gross margin (TTM)83.4%
Operating margin (TTM)59.2%
Net margin (TTM)45.7%
SectorFinancials
IndustryFinancial - Credit Services
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.

Full stock profile

Dive deeper into Mastercard Incorporated's moat claims, evidence, and risks.

View MA analysis

The Charles Schwab Corporation

SCHW · New York Stock Exchange

Market cap (USD)$170.7B
Gross margin (TTM)84.7%
Operating margin (TTM)43.3%
Net margin (TTM)32%
SectorFinancials
IndustryFinancial - Capital Markets
CountryUS
Data as of2025-12-26
Moat score
74/ 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 Charles Schwab Corporation's moat claims, evidence, and risks.

View SCHW analysis

Comparison highlights

  • Moat score gap: Mastercard Incorporated leads (77 / 100 vs 74 / 100 for The Charles Schwab Corporation).
  • Segment focus: Mastercard Incorporated has 2 segments (61.5% in Payment Network); The Charles Schwab Corporation has 2 segments (79.4% in Investor Services).
  • Primary market structure: Oligopoly vs Oligopoly. Pricing power: Moderate vs Weak.
  • Moat breadth: Mastercard Incorporated has 6 moat types across 3 domains; The Charles Schwab Corporation has 7 across 4.

Primary market context

Mastercard Incorporated

Payment Network

Market

Four-party card payment network (switching, acceptance, and network-related services)

Geography

Global

Customer

Issuers, acquirers, merchants, account holders

Role

Network operator (authorization, clearing, settlement) and rules/standards steward

Revenue share

61.5%

The Charles Schwab Corporation

Investor Services

Market

U.S. retail brokerage, self-directed investing, and wealth management platforms

Geography

United States

Customer

Retail investors, employers, retirement plan sponsors

Role

Broker-dealer + bank + wealth manager platform

Revenue share

79.4%

Side-by-side metrics

Mastercard Incorporated
The Charles Schwab Corporation
Ticker / Exchange
MA - New York Stock Exchange
SCHW - New York Stock Exchange
Market cap (USD)
$469.8B
$170.7B
Gross margin (TTM)
83.4%
84.7%
Operating margin (TTM)
59.2%
43.3%
Net margin (TTM)
45.7%
32%
Sector
Financials
Financials
Industry
Financial - Credit Services
Financial - Capital Markets
HQ country
US
US
Primary segment
Payment Network
Investor Services
Market structure
Oligopoly
Oligopoly
Market share
29.7% (reported)
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Weak
Moat score
77 / 100
74 / 100
Moat domains
Network, Demand, Legal
Supply, Demand, Financial, Network
Last update
2025-12-21
2025-12-26

Moat coverage

Shared moat types

Brand TrustData Workflow Lockin

Mastercard Incorporated strengths

Two Sided NetworkClearing SettlementRegulated Standards PipeData Network Effects

The Charles Schwab Corporation strengths

Scale Economies Unit CostSuite BundlingFloat PrepaymentEcosystem ComplementsService Field Network

Segment mix

Mastercard Incorporated segments

Full profile >

Payment Network

Oligopoly

61.5%

Value-Added Services and Solutions

Competitive

38.5%

The Charles Schwab Corporation segments

Full profile >

Investor Services

Oligopoly

79.4%

Advisor Services

Oligopoly

20.6%

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.