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Financials Stocks — Earnings Quality & Moat Analysis

20 companies · Peer comparison

Standard earnings-quality metrics (gross margin, OCF/NI) are not directly applicable to banks and insurers. Read the financial sector with sector-specific lenses: NIM trajectory, efficiency ratio, CET1 capital ratio, NCO/loans, and prior-year reserve development. Moat patterns include core-deposit franchises (regional banks), regulatory toll-bridge positions (exchanges, ratings), and underwriting-discipline track records (insurance).

Company	Score	GM	ROE	CF/NI	FCF	GW/A
VVISA INC.2025	B86	—	52.9%	1.15x	$21.6B	20.0%
BRK-BBERKSHIRE HATHAWAY INC2025	B85	—	9.3%	0.69x	$25.0B	6.8%
AXPAMERICAN EXPRESS CO2025	B82	—	32.4%	1.70x	$16.0B	1.6%
MSCIMSCI Inc.2025	B82	—	-45.3%	1.32x	$1.5B	51.3%
MAMastercard Incorporated2025	C79	—	193.5%	1.18x	$17.2B	17.7%
BLKBlackRock, Inc.2025	C77	—	9.9%	0.71x	$3.6B	20.8%
BACBank of America Corporation2025	C73	—	10.1%	0.41x	$12.6B	2.0%
JPMJPMorgan Chase & Co2025	C72	—	15.7%	-2.59x	$-147.8B	1.2%
SCHWSCHWAB CHARLES CORP2025	C72	—	17.9%	1.05x	$8.8B	2.4%
SPGIS&P Global Inc.2025	C72	70.2%	14.4%	1.26x	$5.5B	59.6%
USBUS BANCORP \DE\2025	C71	—	11.6%	1.05x	$8.0B	1.8%
AFLAflac Incorporated2025	C71	—	12.4%	0.70x	$2.6B	0.2%
MCOMOODY’S CORPORATION2025	C70	74.4%	60.7%	1.18x	$2.6B	40.2%
PYPLPayPal2025	D69	—	25.8%	1.23x	$5.6B	13.6%
CBCHUBB LIMITED2025	D69	—	14.0%	1.24x	$12.8B	7.4%
TRVThe Travelers Companies, Inc.2025	D68	—	19.1%	1.69x	$10.6B	2.8%
ICEINTERCONTINENTAL EXCHANGE, INC.2025	D65	—	11.5%	1.41x	$4.3B	22.4%
PNCPNC FINANCIAL SERVICES GROUP, INC2025	D63	—	10.9%	0.67x	$4.4B	1.9%
CCitigroup Inc2025	F57	—	6.7%	-4.73x	$-74.2B	0.7%
COINCoinbase2025	F54	—	8.5%	1.93x	$2.4B	14.1%

Strong Moderate WeakGM = Gross Margin · ROE = Return on Equity · CF/NI = Cash Flow/Net Income · FCF = Free Cash Flow · GW/A = Goodwill/Assets