Insurance Australia Group (ASX:IAG) Moat Score: 5/10 (As of Jun. 30, 2026)


ASX:IAG Insurance Australia Group Ltd ASX:IAG
78 GF Score
Price A$8.09
GF Value A$7.37
Valuation Fairly Valued
! 8 Warning Signs
View Full Analysis

What is Insurance Australia Group Moat Score?

Insurance Australia Group ASX:IAG +0.62% 78 Moat Score is 5 as of Jun. 30, 2026. GuruFocus rates ASX:IAG with a GF Score™ of 78/100 and a GF Value™ of A$7.37 (Fairly Valued). The stock has 8 warning signs investors should review. Among 601 Insurance companies, Insurance Australia Group ranks better than 88.85% on this metric.

Insurance Australia Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Insurance Australia Group has Narrow Moat: Insurance Australia Group has a solid narrow moat due to its strong brand and customer loyalty in the insurance sector. It benefits from regulatory barriers and economies of scale, but lacks significant network effects.

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 Insurance Australia Group might have Narrow Moat - Solid narrow moat.

Insurance Australia Group  (ASX:IAG) 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

Insurance Australia Group Moat Score Related Terms

ASX:IAG vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Insurance Australia 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.

Insurance Australia Group Moat Score vs Insurance Industry

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

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


ASX:IAG
78GF Score
Insurance Australia Group Ltd ASX:IAG
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Insurance Australia Group (ASX:IAG) has a Moat Score of 5 as of Jun. 30, 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, Insurance Australia Group ranks #67 out of 601 companies in the Insurance industry, placing it in the top 11.1%.
Is Insurance Australia Group's Moat Score too high?
Insurance Australia Group's current Moat Score is 5. Based on the distribution chart, Insurance Australia Group ranks #67 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Insurance Australia Group has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Insurance Australia Group's Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, Insurance Australia Group ranks #67 out of 601 companies for Moat Score. This places Insurance Australia Group in the top 11% 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. Insurance Australia Group's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Insurance Australia Group stock overvalued right now?
Based on GuruFocus' analysis, Insurance Australia Group (ASX:IAG) is currently considered Fairly Valued. The stock's GF Value™ is A$7.37, compared to a current price of A$8.09 — trading 9.8% above its estimated fair value. The current Moat Score is 5. Insurance Australia Group's overall GF Score™ is 78/100 with 8 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 Insurance Australia Group (ASX:IAG), the current Moat Score is 5 as of Jun. 30, 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 Insurance Australia Group (ASX:IAG) Overvalued in 2026?

Based on GuruFocus' analysis, Insurance Australia Group stock appears to be overvalued. The current stock price of A$8.09 is trading 9.8% above its estimated GF Value™ of A$7.37. GuruFocus considers Insurance Australia Group to be Fairly Valued.

Key valuation signals for ASX:IAG:

  • Moat Score: 5
  • GF Value™: A$7.37 vs. price of A$8.09 (9.8% above fair value)
  • GF Score™: 78/100 with 8 warning signs

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

Insurance Australia Group Business Description

Address Darling Park, 201 Sussex Street, Level 13, Tower Two, Level 9, Sydney, NSW, AUS, 2000
Insurance Australia Group is the biggest domestic general insurer by gross written premiums, operating in Australia and New Zealand. The key general insurance markets in which the company operates are home and contents, motor vehicle and compulsory third party, and short-tail commercial. Insurance Australia Group sells insurance under several brands, including NRMA, CGU, SGIO, SGIC, WFI, and Swann in Australia and NZI, State, AMI, and Lumley in New Zealand.
78GF Score

Get the complete analysis for ASX:IAG

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

A$8.09
Price
A$7.37
GF Value