VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Thursday, January 8, 2026

Stock Comparison

The Progressive Corporation vs Koninklijke Philips N.V.

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

The Progressive Corporation

PGR · New York Stock Exchange

Market cap (USD)$124.8B
Gross margin (TTM)26.3%
Operating margin (TTM)15.9%
Net margin (TTM)12.6%
SectorFinancials
IndustryInsurance - Property & Casualty
CountryUS
Data as of2026-01-04
Moat score
75/ 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 Progressive Corporation's moat claims, evidence, and risks.

View PGR analysis

Koninklijke Philips N.V.

PHIA · Euronext Amsterdam

Market cap (USD)$22.7B
Gross margin (TTM)43.5%
Operating margin (TTM)6.1%
Net margin (TTM)0.9%
SectorHealthcare
IndustryMedical - Devices
CountryNL
Data as of2025-12-28
Moat score
68/ 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 Koninklijke Philips N.V.'s moat claims, evidence, and risks.

View PHIA analysis

Comparison highlights

  • Moat score gap: The Progressive Corporation leads (75 / 100 vs 68 / 100 for Koninklijke Philips N.V.).
  • Segment focus: The Progressive Corporation has 2 segments (85% in Personal Lines); Koninklijke Philips N.V. has 3 segments (48.9% in Diagnosis & Treatment).
  • Moat breadth: The Progressive Corporation has 5 moat types across 2 domains; Koninklijke Philips N.V. has 6 across 3.

Primary market context

The Progressive Corporation

Personal Lines

Market

U.S. private passenger auto insurance (dominant) plus specialty personal lines and homeowners/renters (small portion)

Geography

United States

Customer

Individuals/households

Role

Primary insurer (P&C)

Revenue share

85%

Koninklijke Philips N.V.

Diagnosis & Treatment

Market

Medical imaging, image-guided therapy systems, and enterprise imaging informatics

Geography

Global

Customer

Hospitals & clinics

Role

OEM systems + software + services

Revenue share

48.9%

Side-by-side metrics

The Progressive Corporation
Koninklijke Philips N.V.
Ticker / Exchange
PGR - New York Stock Exchange
PHIA - Euronext Amsterdam
Market cap (USD)
$124.8B
$22.7B
Gross margin (TTM)
26.3%
43.5%
Operating margin (TTM)
15.9%
6.1%
Net margin (TTM)
12.6%
0.9%
Sector
Financials
Healthcare
Industry
Insurance - Property & Casualty
Medical - Devices
HQ country
US
NL
Primary segment
Personal Lines
Diagnosis & Treatment
Market structure
Oligopoly
Oligopoly
Market share
16.7% (reported)
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
75 / 100
68 / 100
Moat domains
Supply, Demand
Demand, Supply, Network
Last update
2026-01-04
2025-12-28

Moat coverage

Shared moat types

Brand TrustService Field Network

The Progressive Corporation strengths

Learning Curve YieldSuite BundlingOperational Excellence

Koninklijke Philips N.V. strengths

Data Workflow LockinInteroperability HubProcurement InertiaInstalled Base Consumables

Segment mix

The Progressive Corporation segments

Full profile >

Personal Lines

Oligopoly

85%

Commercial Lines

Competitive

15%

Koninklijke Philips N.V. segments

Full profile >

Diagnosis & Treatment

Oligopoly

48.9%

Connected Care

Oligopoly

28.3%

Personal Health

Competitive

20%

Want the full wide moat stocks list?

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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.