AAIGF (AIA Group) Moat Score: 7/10 (As of Jul. 01, 2026)


AAIGF AIA Group Ltd AAIGF
61 GF Score
Price $9.51
GF Value $9.85
Valuation Fairly Valued
! 2 Warning Signs
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What is AIA Group Moat Score?

AIA Group AAIGF +2.83% 61 Moat Score is 7 as of Jul. 01, 2026. GuruFocus rates AAIGF with a GF Score™ of 61/100 and a GF Value™ of $9.85 (Fairly Valued). The stock has 2 warning signs investors should review. Among 600 Insurance companies, AIA Group ranks better than 99% on this metric.

AIA Group has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

AIA Group has Wide Moat: AIA Group Ltd benefits from strong brand strength and deep customer loyalty in the Asian insurance market. It has a superior distribution network and significant regulatory barriers due to its established presence and licenses in multiple countries. These factors contribute to its durable competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes AIA Group might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

AIA Group  (OTCPK:AAIGF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

AIA Group Moat Score Related Terms

AAIGF vs AFL, MET, PRU: Moat Score Comparison

For the Insurance - Life subindustry, AIA Group's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

AIA Group Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, AIA Group's Moat Score distribution charts can be found below:

* The bar in red indicates where AIA Group's Moat Score falls into.


AAIGF
61GF Score
AIA Group Ltd AAIGF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
AIA Group (AAIGF) has a Moat Score of 7 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, AIA Group ranks #6 out of 600 companies in the Insurance industry, placing it in the top 1%.
Is AIA Group's Moat Score too high?
AIA Group's current Moat Score is 7. Based on the distribution chart, AIA Group ranks #6 out of 600 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, AIA Group has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AIA Group's Moat Score compare to AFL and MET?
According to the Insurance industry distribution chart, AIA Group ranks #6 out of 600 companies for Moat Score. This places AIA Group in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. AIA Group's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIA Group stock overvalued right now?
Based on GuruFocus' analysis, AIA Group (AAIGF) is currently considered Fairly Valued. The stock's GF Value™ is $9.85, compared to a current price of $9.51 — trading 3.4% below its estimated fair value. The current Moat Score is 7. AIA Group's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For AIA Group (AAIGF), the current Moat Score is 7 as of Jul. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is AIA Group (AAIGF) Overvalued in 2026?

Based on GuruFocus' analysis, AIA Group stock appears to be undervalued. The current stock price of $9.51 is trading 3.4% below its estimated GF Value™ of $9.85. GuruFocus considers AIA Group to be Fairly Valued.

Key valuation signals for AAIGF:

  • Moat Score: 7
  • GF Value™: $9.85 vs. price of $9.51 (3.4% below fair value)
  • GF Score™: 61/100 with 2 warning signs

No single metric tells the full story. See the AAIGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

AIA Group Business Description

Address No. 1 Connaught Road Central, 35th Floor, AIA Central, Hong Kong, HKG
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
61GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.51
Price
$9.85
GF Value