VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Stock Comparison

The Charles Schwab Corporation vs TransUnion

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

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

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: The Charles Schwab Corporation leads (74 / 100 vs 61 / 100 for TransUnion).
  • Segment focus: The Charles Schwab Corporation has 2 segments (79.4% in Investor Services); TransUnion has 4 segments (34.2% in U.S. Markets - Financial Services).
  • Primary market structure: Oligopoly vs Oligopoly. Pricing power: Weak vs Moderate.
  • Moat breadth: The Charles Schwab Corporation has 7 moat types across 4 domains; TransUnion has 8 across 4.

Primary market context

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%

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

The Charles Schwab Corporation
TransUnion
Ticker / Exchange
SCHW - New York Stock Exchange
TRU - New York Stock Exchange
Market cap (USD)
$170.7B
$14.8B
Gross margin (TTM)
84.7%
52.8%
Operating margin (TTM)
43.3%
18.9%
Net margin (TTM)
32%
10%
Sector
Financials
Financials
Industry
Financial - Capital Markets
Consulting Services
HQ country
US
US
Primary segment
Investor Services
U.S. Markets - Financial Services
Market structure
Oligopoly
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Weak
Moderate
Moat score
74 / 100
61 / 100
Moat domains
Supply, Demand, Financial, Network
Network, Demand, Legal, Supply
Last update
2025-12-26
2025-12-23

Moat coverage

Shared moat types

Brand TrustData Workflow Lockin

The Charles Schwab Corporation strengths

Scale Economies Unit CostSuite BundlingFloat PrepaymentEcosystem ComplementsService Field Network

TransUnion strengths

Standards RegistryData Network EffectsCompliance AdvantageScope EconomiesHabit DefaultDe Facto Standard

Segment mix

The Charles Schwab Corporation segments

Full profile >

Investor Services

Oligopoly

79.4%

Advisor Services

Oligopoly

20.6%

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.