VOL. XCIV, NO. 247

* MOAT STOCKS COMPARISON *

NO ADVICE

Friday, December 26, 2025

Stock Comparison

U.S. Bancorp vs Workday, 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 >

Workday, Inc.

WDAY · NASDAQ

Market cap (USD)$61.2B
SectorTechnology
CountryUS
Data as of2025-12-23
Moat score
71/ 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
Workday, Inc.
Ticker / Exchange
USB - New York Stock Exchange
WDAY - NASDAQ
Market cap (USD)
$85.5B
$61.2B
Sector
Financials
Technology
HQ country
US
US
Primary segment
Wealth, Corporate, Commercial and Institutional Banking
Subscription services (Workday cloud applications + platform)
Market structure
Competitive
Oligopoly
Market share
n/a
n/a
HHI estimate
n/a
n/a
Pricing power
Moderate
Moderate
Moat score
62 / 100
71 / 100
Moat domains
Demand, Supply, Legal, Financial
Demand, Network
Last update
2025-12-23
2025-12-23

Moat coverage

Shared moat types

Data Workflow LockinSuite Bundling

U.S. Bancorp strengths

Scope EconomiesCompliance AdvantagePhysical Network DensityHabit DefaultCost Of Capital AdvantageScale Economies Unit Cost

Workday, Inc. strengths

Training Org Change CostsEcosystem ComplementsWorkday implementation expertise

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%

Workday, Inc. segments

Full profile >

Subscription services (Workday cloud applications + platform)

Oligopoly

91.4%

Professional services (deployment, optimization, training)

Competitive

8.6%

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.