VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Wednesday, December 31, 2025
Stock Comparison
UnitedHealth Group Incorporated vs U.S. Bancorp
Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.
UnitedHealth Group Incorporated
UNH · 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 UnitedHealth Group Incorporated's moat claims, evidence, and risks.
View UNH analysisU.S. Bancorp
USB · 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 U.S. Bancorp's moat claims, evidence, and risks.
View USB analysisComparison highlights
- Moat score gap: UnitedHealth Group Incorporated leads (64 / 100 vs 62 / 100 for U.S. Bancorp).
- Segment focus: UnitedHealth Group Incorporated has 4 segments (74.9% in UnitedHealthcare); U.S. Bancorp has 3 segments (42.8% in Wealth, Corporate, Commercial and Institutional Banking).
- Primary market structure: Oligopoly vs Competitive. Pricing power: Weak vs Moderate.
- Moat breadth: UnitedHealth Group Incorporated has 5 moat types across 2 domains; U.S. Bancorp has 8 across 4.
Primary market context
UnitedHealth Group Incorporated
UnitedHealthcare
U.S. health benefits / managed care (commercial, Medicare Advantage, Medicaid managed care)
United States (primarily)
Employers, individuals, and government-sponsored programs
Health insurer / managed care organization
74.9%
U.S. Bancorp
Wealth, Corporate, Commercial and Institutional Banking
U.S. corporate, commercial, institutional and wealth banking & advisory services
United States
Commercial, institutional, government and wealth clients
Bank / financial intermediary
42.8%
Side-by-side metrics
Moat coverage
Shared moat types
UnitedHealth Group Incorporated strengths
U.S. Bancorp strengths
Segment mix
UnitedHealth Group Incorporated segments
Full profile >UnitedHealthcare
Oligopoly
Optum Health
Competitive
Optum Insight
Competitive
Optum Rx
Oligopoly
U.S. Bancorp segments
Full profile >Wealth, Corporate, Commercial and Institutional Banking
Competitive
Consumer and Business Banking
Oligopoly
Payment Services
Oligopoly
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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.