ALHC (Alignment Healthcare) Moat Score: 4/10 (As of Jun. 27, 2026)


ALHC Alignment Healthcare Inc ALHC
81 GF Score
Price $23.19
GF Value $19.11
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Alignment Healthcare Moat Score?

Alignment Healthcare ALHC +2.11% 81 Moat Score is 4 as of Jun. 27, 2026. GuruFocus rates ALHC with a GF Score™ of 81/100 and a GF Value™ of $19.11 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 18 Healthcare Plans companies, Alignment Healthcare ranks better than 50% on this metric.

Alignment Healthcare has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Alignment Healthcare has Narrow Moat: Alignment Healthcare Inc has a discernible but modest moat due to its innovative healthcare solutions and network effects. However, it faces significant competition and lacks strong brand strength or regulatory barriers.

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 Alignment Healthcare might have Narrow Moat - Discernible but modest moat.

Alignment Healthcare  (NAS:ALHC) 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

Alignment Healthcare Moat Score Related Terms

ALHC vs CLOV, PGNY, PFHO: Moat Score Comparison

For the Healthcare Plans subindustry, Alignment Healthcare'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.

Alignment Healthcare Moat Score vs Healthcare Plans Industry

For the Healthcare Plans industry and Healthcare sector, Alignment Healthcare's Moat Score distribution charts can be found below:

* The bar in red indicates where Alignment Healthcare's Moat Score falls into.


ALHC
81GF Score
Alignment Healthcare Inc ALHC
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 4 mean?
Alignment Healthcare (ALHC) has a Moat Score of 4 as of Jun. 27, 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, Alignment Healthcare ranks #9 out of 18 companies in the Healthcare Plans industry, placing it in the top 50%.
Is Alignment Healthcare's Moat Score too high?
Alignment Healthcare's current Moat Score is 4. The Healthcare Plans industry median Moat Score is 4.00. Alignment Healthcare's value of 4 is 0% at this industry median. Based on the distribution chart, Alignment Healthcare ranks #9 out of 18 companies in the Healthcare Plans industry, which is above the industry midpoint. Overall, Alignment Healthcare has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Alignment Healthcare's Moat Score compare to CLOV and PGNY?
According to the Healthcare Plans industry distribution chart, Alignment Healthcare ranks #9 out of 18 companies for Moat Score. This puts Alignment Healthcare in the upper half of its industry. The industry median Moat Score is 4.00. Alignment Healthcare's value of 4 is 0% at this benchmark. 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 a Healthcare Plans company?
The median Moat Score among Healthcare Plans companies is 4.00, based on 18 companies in the industry. Companies in the top quartile (top 25%) have a Moat Score significantly above this median, while those in the bottom quartile fall well below. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alignment Healthcare's current Moat Score of 4 is 0% at the industry median. 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. For the Healthcare Plans industry, the median Moat Score is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alignment Healthcare's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alignment Healthcare stock overvalued right now?
Based on GuruFocus' analysis, Alignment Healthcare (ALHC) is currently considered Modestly Overvalued. The stock's GF Value™ is $19.11, compared to a current price of $23.19 — trading 21.4% above its estimated fair value. The current Moat Score is 4 and 0% at the Healthcare Plans industry median of 4.00. Alignment Healthcare's overall GF Score™ is 81/100 with 5 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 Alignment Healthcare (ALHC), the current Moat Score is 4 as of Jun. 27, 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 Alignment Healthcare (ALHC) Overvalued in 2026?

Based on GuruFocus' analysis, Alignment Healthcare stock appears to be overvalued. The current stock price of $23.19 is trading 21.4% above its estimated GF Value™ of $19.11. GuruFocus considers Alignment Healthcare to be Modestly Overvalued.

Key valuation signals for ALHC:

  • Moat Score: 4
  • GF Value™: $19.11 vs. price of $23.19 (21.4% above fair value)
  • GF Score™: 81/100 with 5 warning signs
  • Industry Position: 0% at the Healthcare Plans median (#9 of 18)

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

Alignment Healthcare Business Description

Address 1100 W. Town and Country Road, Suite 1600, Orange, CA, USA, 92868
Alignment Healthcare Inc is a next-generation, consumer-centric platform that is revolutionizing the healthcare experience for seniors through Medicare Advantage plans. These plans are marketed and sold direct-to-consumer, allowing seniors to select the manner in which customers receive healthcare coverage and services on an annual basis. The company combines a technology platform and clinical model for more effective health outcomes.
81GF Score

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$23.19
Price
$19.11
GF Value