VOL. XCIV, NO. 247

* MOAT STOCKS COMPARISON *

NO ADVICE

Friday, December 26, 2025

Stock Comparison

U.S. Bancorp vs Visa Inc.

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

U.S. Bancorp

USB · New York Stock Exchange

Market cap (USD)$85.5B
SectorFinancials
CountryUS
Data as of2025-12-23
Moat score
62/ 100

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

View full moat analysis >

Visa Inc.

V · New York Stock Exchange

Market cap (USD)$677.5B
SectorFinancials
CountryUS
Data as of2025-12-21
Moat score
77/ 100

Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.

View full moat analysis >

Side-by-side metrics

U.S. Bancorp
Visa Inc.
Ticker / Exchange
USB - New York Stock Exchange
V - New York Stock Exchange
Market cap (USD)
$85.5B
$677.5B
Sector
Financials
Financials
HQ country
US
US
Primary segment
Wealth, Corporate, Commercial and Institutional Banking
Data processing revenue
Market structure
Competitive
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
n/a
Moat score
62 / 100
77 / 100
Moat domains
Demand, Supply, Legal, Financial
Network, Demand, Supply, Legal
Last update
2025-12-23
2025-12-21

Moat coverage

Shared moat types

Data Workflow LockinCompliance AdvantageSuite Bundling

U.S. Bancorp strengths

Scope EconomiesPhysical Network DensityHabit DefaultCost Of Capital AdvantageScale Economies Unit Cost

Visa Inc. strengths

Two Sided NetworkBrand TrustClearing SettlementCapex Knowhow Scale

Segment mix

U.S. Bancorp segments

Full profile >

Wealth, Corporate, Commercial and Institutional Banking

Competitive

42.8%

Consumer and Business Banking

Oligopoly

32.5%

Payment Services

Oligopoly

24.7%

Visa Inc. segments

Full profile >

Service revenue

Oligopoly

31.5%

Data processing revenue

Oligopoly

35.9%

International transaction revenue

Oligopoly

25.4%

Other revenue

Competitive

7.3%

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 Pricing, features, and availability may be incomplete or out of date.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.