VOL. XCIV, NO. 247
* WIDE MOAT STOCKS COMPARISON *
NO ADVICE
Monday, December 29, 2025
Stock Comparison
Temenos AG vs Visa Inc.
Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.
Temenos AG
TEMN · SIX Swiss Exchange
Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.
Visa Inc.
V · New York Stock Exchange
Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.
Comparison highlights
- Moat score gap: Visa Inc. leads (77 / 100 vs 64 / 100 for Temenos AG).
- Segment focus: Temenos AG has 2 segments (87.6% in Product); Visa Inc. has 4 segments (35.9% in Data processing revenue).
- Primary market structure: Oligopoly vs Oligopoly. Pricing power: Moderate vs n/a.
- Moat breadth: Temenos AG has 6 moat types across 3 domains; Visa Inc. has 7 across 4.
Primary market context
Temenos AG
Product
Banking software platforms (core banking, digital banking, payments, wealth, financial crime, analytics) for banks and financial institutions
Global
Banks and financial institutions
Independent software vendor / platform provider
87.6%
Visa Inc.
Data processing revenue
Payment transaction processing (authorization, clearing and settlement) for VisaNet and related network access
Global
Issuers, acquirers, payment processors
Network processor / switch (authorization, clearing, settlement)
35.9%
Side-by-side metrics
Moat coverage
Shared moat types
Temenos AG strengths
Visa Inc. strengths
Segment mix
Temenos AG segments
Full profile >Product
Oligopoly
Services
Competitive
Visa Inc. segments
Full profile >Service revenue
Oligopoly
Data processing revenue
Oligopoly
International transaction revenue
Oligopoly
Other revenue
Competitive
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