VOL. XCIV, NO. 247

★ WIDE MOAT STOCKS COMPARISON ★

NO ADVICE

Stock Comparison

The Charles Schwab Corporation vs Wise plc

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)$155.8B
Gross margin (TTM)85.9%
Operating margin (TTM)44.9%
Net margin (TTM)33.3%
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

Wise plc

WISE · London Stock Exchange

Market cap (USD)$14.1B
Gross margin (TTM)56%
Operating margin (TTM)32.2%
Net margin (TTM)23.5%
SectorFinancials
IndustryInformation Technology Services
CountryGB
Data as of2026-04-24
Moat score
57/ 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 Wise plc's moat claims, evidence, and risks.

View WISE analysis

Comparison highlights

  • Moat score gap: The Charles Schwab Corporation leads (74 / 100 vs 57 / 100 for Wise plc).
  • Segment focus: The Charles Schwab Corporation has 2 segments (79.4% in Investor Services); Wise plc has 2 segments (74.7% in Personal international account and cross-border transfers).
  • Primary market structure: Oligopoly vs Competitive. Pricing power: Weak vs Weak.
  • Moat breadth: The Charles Schwab Corporation has 7 moat types across 4 domains; Wise plc has 6 across 5.

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%

Wise plc

Personal international account and cross-border transfers

Market

Personal cross-border money movement, international account, card and multi-currency balance services

Geography

Global, across more than 160 countries and 40 currencies

Customer

Consumers, expatriates, travellers, migrants, freelancers and internationally active individuals

Role

Digital cross-border transfer, account, card, FX conversion and balance-management provider

Revenue share

74.7%

Side-by-side metrics

The Charles Schwab Corporation
Wise plc
Ticker / Exchange
SCHW - New York Stock Exchange
WISE - London Stock Exchange
Market cap (USD)
$155.8B
$14.1B
Gross margin (TTM)
85.9%
56%
Operating margin (TTM)
44.9%
32.2%
Net margin (TTM)
33.3%
23.5%
Sector
Financials
Financials
Industry
Financial - Capital Markets
Information Technology Services
HQ country
US
GB
Primary segment
Investor Services
Personal international account and cross-border transfers
Market structure
Oligopoly
Competitive
Market share
n/a
4.5%-5.5% (reported)
HHI estimate
n/a
n/a
Pricing power
Weak
Weak
Moat score
74 / 100
57 / 100
Moat domains
Supply, Demand, Financial, Network
Supply, Demand, Financial, Network, Legal
Last update
2025-12-26
2026-04-24

Moat coverage

Shared moat types

Scale Economies Unit CostBrand TrustFloat PrepaymentData Workflow Lockin

The Charles Schwab Corporation strengths

Suite BundlingEcosystem ComplementsService Field Network

Wise plc strengths

Interoperability HubCompliance Advantage

Segment mix

The Charles Schwab Corporation segments

Full profile >

Investor Services

Oligopoly

79.4%

Advisor Services

Oligopoly

20.6%

Wise plc segments

Full profile >

Personal international account and cross-border transfers

Competitive

74.7%

Wise Business and Wise Platform

Competitive

25.3%

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.