VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Wednesday, January 7, 2026
Stock Comparison
The Progressive Corporation vs Universal Music Group 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
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 analysisUniversal Music Group N.V.
UMG · Euronext Amsterdam
Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.
Full stock profile
Dive deeper into Universal Music Group N.V.'s moat claims, evidence, and risks.
View UMG analysisComparison highlights
- Moat score gap: Universal Music Group N.V. leads (77 / 100 vs 75 / 100 for The Progressive Corporation).
- Segment focus: The Progressive Corporation has 2 segments (85% in Personal Lines); Universal Music Group N.V. has 3 segments (75.2% in Recorded Music).
- Moat breadth: The Progressive Corporation has 5 moat types across 2 domains; Universal Music Group N.V. has 5 across 3.
Primary market context
The Progressive Corporation
Personal Lines
U.S. private passenger auto insurance (dominant) plus specialty personal lines and homeowners/renters (small portion)
United States
Individuals/households
Primary insurer (P&C)
85%
Universal Music Group N.V.
Recorded Music
Recorded music rights (labels) and monetization (streaming, physical, licensing/sync)
Global
Digital service providers (audio/video/social), physical retailers, and licensing counterparties
Label / master rights holder; artist development, marketing and distribution
75.2%
Side-by-side metrics
Moat coverage
Shared moat types
The Progressive Corporation strengths
Universal Music Group N.V. strengths
Segment mix
The Progressive Corporation segments
Full profile >Personal Lines
Oligopoly
Commercial Lines
Competitive
Universal Music Group N.V. segments
Full profile >Recorded Music
Oligopoly
Music Publishing
Oligopoly
Merchandising and Other
Competitive
Want the full wide moat stocks list?
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Proven models entering the expansion stage with unit economics that work.
View expansion-stage stocksCuration & 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.