Aon (FRA:4VK) Moat Score: 7/10 (As of Jul. 19, 2026)

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FRA:4VK Aon PLC FRA:4VK
89 GF Score
Price €320.40
GF Value €347.40
Valuation Fairly Valued
! 3 Warning Signs
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What is Aon Moat Score?

Aon FRA:4VK +3.96% 89 Moat Score is 7 as of Jul. 19, 2026. GuruFocus rates FRA:4VK with a GF Score™ of 89/100 and a GF Value™ of €347.40 (Fairly Valued). The stock has 3 warning signs investors should review. Among 595 Insurance companies, Aon ranks better than 98.99% on this metric.

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

Aon has Wide Moat: Aon PLC benefits from strong brand strength, significant customer switching costs, and a superior distribution network. Its market leadership in risk management and insurance brokerage provides durable cost advantages and pricing power. The company's extensive global network and client relationships create a robust competitive position.

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 Aon might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Aon  (FRA:4VK) 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

Aon Moat Score Related Terms

FRA:4VK vs MRSH, AJG, WTW: Moat Score Comparison

For the Insurance Brokers subindustry, Aon'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.

Aon Moat Score vs Insurance Industry

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

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


FRA:4VK
89GF Score
Aon PLC FRA:4VK
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?
Aon (FRA:4VK) has a Moat Score of 7 as of Jul. 19, 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, Aon ranks #6 out of 595 companies in the Insurance industry, placing it in the top 1%.
Is Aon's Moat Score too high?
Aon's current Moat Score is 7. Based on the distribution chart, Aon ranks #6 out of 595 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Aon has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Aon's Moat Score compare to MRSH and AJG?
According to the Insurance industry distribution chart, Aon ranks #6 out of 595 companies for Moat Score. This places Aon 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. Aon'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 Aon stock overvalued right now?
Based on GuruFocus' analysis, Aon (FRA:4VK) is currently considered Fairly Valued. The stock's GF Value™ is €347.40, compared to a current price of €320.40 — trading 7.8% below its estimated fair value. The current Moat Score is 7. Aon's overall GF Score™ is 89/100 with 3 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 Aon (FRA:4VK), the current Moat Score is 7 as of Jul. 19, 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 Aon (FRA:4VK) Overvalued in 2026?

Based on GuruFocus' analysis, Aon stock appears to be undervalued. The current stock price of €320.40 is trading 7.8% below its estimated GF Value™ of €347.40. GuruFocus considers Aon to be Fairly Valued.

Key valuation signals for FRA:4VK:

  • Moat Score: 7
  • GF Value™: €347.40 vs. price of €320.40 (7.8% below fair value)
  • GF Score™: 89/100 with 3 warning signs

No single metric tells the full story. See the FRA:4VK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Aon Business Description

Address 15 George\'s Quay, Dublin 2, Dublin, IRL, D02 VR98
Aon is a leading global provider of insurance and reinsurance brokerage and human resources solutions. Its operations are tilted toward its brokerage operations. Headquartered in London, Aon has about 60,000 employees and operations in over 120 countries.
89GF Score

Get the complete analysis for FRA:4VK

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

€320.40
Price
€347.40
GF Value