Ategrity Specialty Insurance Co Holdings (FRA:A1Q) Moat Score: 4/10 (As of Jul. 20, 2026)

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FRA:A1Q Ategrity Specialty Insurance Co Holdings FRA:A1Q
24 GF Score
Price €19.70
! 1 Warning Sign
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What is Ategrity Specialty Insurance Co Holdings Moat Score?

Ategrity Specialty Insurance Co Holdings FRA:A1Q +1.55% 24 Moat Score is 4 as of Jul. 20, 2026. GuruFocus rates FRA:A1Q with a GF Score™ of 24/100. The stock has 1 warning sign investors should review. Among 595 Insurance companies, Ategrity Specialty Insurance Co Holdings ranks better than 79.5% on this metric.

Ategrity Specialty Insurance Co Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Ategrity Specialty Insurance Co Holdings has Narrow Moat: Ategrity Specialty Insurance has a discernible but modest moat due to regulatory barriers and some customer loyalty. However, it lacks strong brand strength and significant cost advantages.

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 Ategrity Specialty Insurance Co Holdings might have Narrow Moat - Discernible but modest moat.

Ategrity Specialty Insurance Co Holdings  (FRA:A1Q) 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

Ategrity Specialty Insurance Co Holdings Moat Score Related Terms

FRA:A1Q vs UVE, SAFT, TRUP: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Ategrity Specialty Insurance Co Holdings'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.

Ategrity Specialty Insurance Co Holdings Moat Score vs Insurance Industry

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

* The bar in red indicates where Ategrity Specialty Insurance Co Holdings's Moat Score falls into.


FRA:A1Q
24GF Score
Ategrity Specialty Insurance Co Holdings FRA:A1Q
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?
Ategrity Specialty Insurance Co Holdings (FRA:A1Q) has a Moat Score of 4 as of Jul. 20, 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, Ategrity Specialty Insurance Co Holdings ranks #122 out of 595 companies in the Insurance industry, placing it in the top 20.5%.
Is Ategrity Specialty Insurance Co Holdings' Moat Score too high?
Ategrity Specialty Insurance Co Holdings' current Moat Score is 4. Based on the distribution chart, Ategrity Specialty Insurance Co Holdings ranks #122 out of 595 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Ategrity Specialty Insurance Co Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Ategrity Specialty Insurance Co Holdings' Moat Score compare to UVE and SAFT?
According to the Insurance industry distribution chart, Ategrity Specialty Insurance Co Holdings ranks #122 out of 595 companies for Moat Score. This places Ategrity Specialty Insurance Co Holdings in the top 21% 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. Ategrity Specialty Insurance Co Holdings'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 Ategrity Specialty Insurance Co Holdings stock overvalued right now?
Ategrity Specialty Insurance Co Holdings (FRA:A1Q) has a current Moat Score of 4. The current Moat Score is 4. Ategrity Specialty Insurance Co Holdings' overall GF Score™ is 24/100 with 1 warning sign 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 Ategrity Specialty Insurance Co Holdings (FRA:A1Q), the current Moat Score is 4 as of Jul. 20, 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.

Ategrity Specialty Insurance Co Holdings Business Description

Other Exchanges ASIC:USA
Address 9 West 57th Street, 33rd Floor, New York, NY, USA, 10019
Ategrity Specialty Insurance Co Holdings is a specialty property and casualty insurance holding company focused on the excess and surplus market for small to medium-sized businesses (SMBs) across the United States. Operating through its subsidiaries, the company underwrites small and medium-sized commercial risks across selected industry verticals, including Retail, Real Estate, Hospitality, and Construction. Its operating model uses a technology-driven method to standardize, simplify, and, where appropriate, automate these transactions. The group distributes its products through licensed surplus lines brokers and wholesale agents.
24GF Score

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