VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Saturday, January 3, 2026
Stock Comparison
TransUnion vs Xero Limited
Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.
TransUnion
TRU · New York Stock Exchange
Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.
Xero Limited
XRO · Australian Securities 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 Xero Limited's moat claims, evidence, and risks.
View XRO analysisComparison highlights
- Moat score gap: Xero Limited leads (71 / 100 vs 61 / 100 for TransUnion).
- Segment focus: TransUnion has 4 segments (34.2% in U.S. Markets - Financial Services); Xero Limited has 2 segments.
- Moat breadth: TransUnion has 8 moat types across 4 domains; Xero Limited has 7 across 3.
Primary market context
TransUnion
U.S. Markets - Financial Services
U.S. consumer credit bureau data & risk analytics for lenders
United States
B2B (banks, lenders, fintechs, mortgage/auto originators)
Consumer reporting agency & decisioning analytics provider
34.2%
Xero Limited
Core Accounting Subscription Platform
Cloud accounting software for small businesses and their advisors
Global
SMB; accountants & bookkeepers
Software platform (SaaS)
Side-by-side metrics
Moat coverage
Shared moat types
TransUnion strengths
Xero Limited strengths
Segment mix
TransUnion segments
Full profile >U.S. Markets - Financial Services
Oligopoly
U.S. Markets - Emerging Verticals
Competitive
U.S. Markets - Consumer Interactive
Competitive
International
Oligopoly
Xero Limited segments
Full profile >Core Accounting Subscription Platform
Oligopoly
Platform Services (Payments, Payroll, App Ecosystem)
Competitive
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View the moat stocks listCuration & 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 Pricing, features, and availability may be incomplete or out of date.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.