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The moral of the story is often an implied lesson you can learn from the characters experience, and a theme of a story is and overarching message communicated through setting, character actions

The moral of a story is understood from a character’s experience. On the other hand, the theme of the work is usually an overarching message and is communicated through the setting of the story, the characters, and the action contained therein.

A theme is a message, an abstract idea, central idea, or universal truth in any art. It can be defined as the subject of a piece of writing, talk, exhibition, or any other work of fiction. It can be referred to as the subject matter or topic  as well.