VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Stock Comparison

Mastercard Incorporated vs TransUnion

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

TransUnion

TRU · New York Stock Exchange

Market cap (USD)$14.8B
Gross margin (TTM)52.8%
Operating margin (TTM)18.9%
Net margin (TTM)10%
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: Mastercard Incorporated leads (77 / 100 vs 61 / 100 for TransUnion).
  • Segment focus: Mastercard Incorporated has 2 segments (61.5% in Payment Network); TransUnion has 4 segments (34.2% in U.S. Markets - Financial Services).
  • Moat breadth: Mastercard Incorporated has 6 moat types across 3 domains; TransUnion has 8 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%

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

Mastercard Incorporated
TransUnion
Ticker / Exchange
MA - New York Stock Exchange
TRU - New York Stock Exchange
Market cap (USD)
$469.8B
$14.8B
Gross margin (TTM)
83.4%
52.8%
Operating margin (TTM)
59.2%
18.9%
Net margin (TTM)
45.7%
10%
Sector
Financials
Financials
Industry
Financial - Credit Services
Consulting Services
HQ country
US
US
Primary segment
Payment Network
U.S. Markets - Financial Services
Market structure
Oligopoly
Oligopoly
Market share
29.7% (reported)
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
77 / 100
61 / 100
Moat domains
Network, Demand, Legal
Network, Demand, Legal, Supply
Last update
2025-12-21
2025-12-23

Moat coverage

Shared moat types

Brand TrustData Network EffectsData Workflow Lockin

Mastercard Incorporated strengths

Two Sided NetworkClearing SettlementRegulated Standards Pipe

TransUnion strengths

Standards RegistryCompliance AdvantageScope EconomiesHabit DefaultDe Facto Standard

Segment mix

Mastercard Incorporated segments

Full profile >

Payment Network

Oligopoly

61.5%

Value-Added Services and Solutions

Competitive

38.5%

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.