Bangkok Life Assurance PCL (BKK:BLA) Moat Score: 0/10 (As of Jul. 19, 2026)

Author: Vera Yuan Vera Yuan
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Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BKK:BLA Bangkok Life Assurance PCL BKK:BLA
62 GF Score
Price ฿27.25
GF Value ฿23.60
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Bangkok Life Assurance PCL Moat Score?

Bangkok Life Assurance PCL has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Bangkok Life Assurance PCL has

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 Bangkok Life Assurance PCL might have No Moat - No discernible moat.

Bangkok Life Assurance PCL  (BKK:BLA) 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

Bangkok Life Assurance PCL Moat Score Related Terms

BKK:BLA
62GF Score
Bangkok Life Assurance PCL BKK:BLA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Bangkok Life Assurance PCL (BKK:BLA) Overvalued in 2026?

Based on GuruFocus' analysis, Bangkok Life Assurance PCL stock appears to be overvalued. The current stock price of ฿27.25 is trading 15.5% above its estimated GF Value™ of ฿23.60. GuruFocus considers Bangkok Life Assurance PCL to be Modestly Overvalued.

Key valuation signals for BKK:BLA:

  • Moat Score: 0
  • GF Value™: ฿23.60 vs. price of ฿27.25 (15.5% above fair value)
  • GF Score™: 62/100 with 6 warning signs

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

Bangkok Life Assurance PCL Business Description

Other Exchanges BLA-F:ThailandXBLA:Germany
Address No. 1415, Krungthep - Nonthaburi Road, Wong Sawang Subdistrict, Bangsue District, Bangkok, THA, 10800
Bangkok Life Assurance PCL is a Thai financial services group engaged in life insurance services. Its product portfolio contains life insurance, general insurance, mutual funds, credit protection plans, home loans, and bancassurance products, serving both individuals and corporations. The company, along with its subsidiaries, operates its core business in a single segment, which is the life insurance business, and in a single geographic area, which is Thailand.
62GF Score

Get the complete analysis for BKK:BLA

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

฿27.25
Price
฿23.60
GF Value