VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

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Thursday, January 8, 2026

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Stock Comparison

Mastercard Incorporated vs Uber Technologies, Inc.

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)$510.6B
Gross margin (TTM)77.5%
Operating margin (TTM)57%
Net margin (TTM)45.3%
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

Uber Technologies, Inc.

UBER · New York Stock Exchange

Market cap (USD)$167.8B
Gross margin (TTM)39.8%
Operating margin (TTM)9.2%
Net margin (TTM)33.5%
SectorIndustrials
IndustrySoftware - Application
CountryUS
Data as of2026-01-05
Moat score
66/ 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 Uber Technologies, Inc.'s moat claims, evidence, and risks.

View UBER analysis

Comparison highlights

  • Moat score gap: Mastercard Incorporated leads (77 / 100 vs 66 / 100 for Uber Technologies, Inc.).
  • Segment focus: Mastercard Incorporated has 2 segments (61.5% in Payment Network); Uber Technologies, Inc. has 3 segments (57% in Mobility).
  • Moat breadth: Mastercard Incorporated has 6 moat types across 3 domains; Uber Technologies, Inc. has 4 across 2.

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%

Uber Technologies, Inc.

Mobility

Market

Ride-hailing / on-demand mobility marketplaces

Geography

Global

Customer

Consumers (riders) and independent mobility drivers; plus transit/taxi partners in some markets

Role

Marketplace platform / demand generation / dispatch and payments

Revenue share

57%

Side-by-side metrics

Mastercard Incorporated
Uber Technologies, Inc.
Ticker / Exchange
MA - New York Stock Exchange
UBER - New York Stock Exchange
Market cap (USD)
$510.6B
$167.8B
Gross margin (TTM)
77.5%
39.8%
Operating margin (TTM)
57%
9.2%
Net margin (TTM)
45.3%
33.5%
Sector
Financials
Industrials
Industry
Financial - Credit Services
Software - Application
HQ country
US
US
Primary segment
Payment Network
Mobility
Market structure
Oligopoly
Oligopoly
Market share
29.7% (reported)
74%-78% (reported)
HHI estimate
n/a
6,352
Pricing power
Moderate
Moderate
Moat score
77 / 100
66 / 100
Moat domains
Network, Demand, Legal
Network, Demand
Last update
2025-12-21
2026-01-05

Moat coverage

Shared moat types

Two Sided NetworkBrand TrustData Network Effects

Mastercard Incorporated strengths

Clearing SettlementRegulated Standards PipeData Workflow Lockin

Uber Technologies, Inc. strengths

Suite Bundling

Segment mix

Mastercard Incorporated segments

Full profile >

Payment Network

Oligopoly

61.5%

Value-Added Services and Solutions

Competitive

38.5%

Uber Technologies, Inc. segments

Full profile >

Mobility

Oligopoly

57%

Delivery

Oligopoly

31.3%

Freight

Competitive

11.7%

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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Looking for expansion-stage stocks?

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

View expansion-stage stocks

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.