VOL. XCIV, NO. 247
★ WIDE MOAT STOCKS COMPARISON ★
NO ADVICE
Saturday, January 3, 2026
Stock Comparison
Workday, Inc. vs Xero Limited
Compare moat strength, market structure, and segment coverage to understand how each company defends its edge.
Workday, Inc.
WDAY · NASDAQ
Weighted average of segment moat scores, combining moat strength, durability, confidence, market structure, pricing power, and market share.
Full stock profile
Dive deeper into Workday, Inc.'s moat claims, evidence, and risks.
View WDAY analysisXero 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: both at 71 / 100.
- Segment focus: Workday, Inc. has 2 segments (91.4% in Subscription services (Workday cloud applications + platform)); Xero Limited has 2 segments.
- Moat breadth: Workday, Inc. has 5 moat types across 2 domains; Xero Limited has 7 across 3.
Primary market context
Workday, Inc.
Subscription services (Workday cloud applications + platform)
Enterprise cloud applications for managing people and money (HCM, financial management, spend, planning & analytics)
Global
Medium to large organizations (including higher education and government)
SaaS application vendor and extensible platform provider
91.4%
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
Workday, Inc. strengths
Xero Limited strengths
Segment mix
Workday, Inc. segments
Full profile >Subscription services (Workday cloud applications + platform)
Oligopoly
Professional services (deployment, optimization, training)
Competitive
Xero Limited segments
Full profile >Core Accounting Subscription Platform
Oligopoly
Platform Services (Payments, Payroll, App Ecosystem)
Competitive
Want the full wide moat stocks list?
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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.