National Life Insurance (DHA:NATLIFEINS) Moat Score: 0/10 (As of Jul. 11, 2026)


DHA:NATLIFEINS National Life Insurance PLC DHA:NATLIFEINS
77 GF Score
Price BDT108.10
GF Value BDT134.31
Valuation Modestly Undervalued
! 2 Warning Signs
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What is National Life Insurance Moat Score?

National Life Insurance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

National Life Insurance 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 National Life Insurance might have No Moat - No discernible moat.

National Life Insurance  (DHA:NATLIFEINS) 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

National Life Insurance Moat Score Related Terms

DHA:NATLIFEINS
77GF Score
National Life Insurance PLC DHA:NATLIFEINS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is National Life Insurance (DHA:NATLIFEINS) Overvalued in 2026?

Based on GuruFocus' analysis, National Life Insurance stock appears to be undervalued. The current stock price of BDT108.10 is trading 19.5% below its estimated GF Value™ of BDT134.31. GuruFocus considers National Life Insurance to be Modestly Undervalued.

Key valuation signals for DHA:NATLIFEINS:

  • Moat Score: 0
  • GF Value™: BDT134.31 vs. price of BDT108.10 (19.5% below fair value)
  • GF Score™: 77/100 with 2 warning signs

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

National Life Insurance Business Description

Address 54-55, Kazi Nazrul Islam Avenue, Karwan Bazar, NLI Tower, Dhaka, BGD, 1215
National Life Insurance PLC, formerly National Life Insurance Co Ltd is a private sector indigenous life insurance company. It provides multifarious life assurance products that cater to the aspirations and needs as well as the religious beliefs of the clients. The company operates through the following divisions based on the type of insurance products offered; Individual Life Insurance, Group Life Insurance, Bangabandhu Shikkha Bima, Personal Accidental Insurance and Bancassurance. It generates maximum revenue from the Ordinary Life Insurance business.
77GF Score

Get the complete analysis for DHA:NATLIFEINS

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

BDT108.10
Price
BDT134.31
GF Value