Genworth Financial (FRA:GGK) Moat Score: 4/10 (As of Jul. 05, 2026)


FRA:GGK Genworth Financial Inc FRA:GGK
62 GF Score
Price €8.40
GF Value €6.56
! 6 Warning Signs
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What is Genworth Financial Moat Score?

Genworth Financial FRA:GGK +1.82% 62 Moat Score is 4 as of Jul. 05, 2026. GuruFocus rates FRA:GGK with a GF Score™ of 62/100 and a GF Value™ of €6.56. The stock has 6 warning signs investors should review. Among 599 Insurance companies, Genworth Financial ranks better than 79.63% on this metric.

Genworth Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Genworth Financial has Narrow Moat: Genworth Financial Inc has a discernible but modest moat due to its established market presence in the insurance sector. However, it faces significant competition and lacks strong customer loyalty or proprietary technology.

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 Genworth Financial might have Narrow Moat - Discernible but modest moat.

Genworth Financial  (FRA:GGK) 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

Genworth Financial Moat Score Related Terms

FRA:GGK vs BHF, FG, CNO: Moat Score Comparison

For the Insurance - Life subindustry, Genworth Financial'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.

Genworth Financial Moat Score vs Insurance Industry

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

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


FRA:GGK
62GF Score
Genworth Financial Inc FRA:GGK
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?
Genworth Financial (FRA:GGK) has a Moat Score of 4 as of Jul. 05, 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, Genworth Financial ranks #122 out of 599 companies in the Insurance industry, placing it in the top 20.4%.
Is Genworth Financial's Moat Score too high?
Genworth Financial's current Moat Score is 4. Based on the distribution chart, Genworth Financial ranks #122 out of 599 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Genworth Financial has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Genworth Financial's Moat Score compare to BHF and FG?
According to the Insurance industry distribution chart, Genworth Financial ranks #122 out of 599 companies for Moat Score. This places Genworth Financial in the top 20% 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. Genworth Financial'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 Genworth Financial stock overvalued right now?
Genworth Financial (FRA:GGK) has a current Moat Score of 4. The stock's GF Value™ is €6.56, compared to a current price of €8.40 — trading 28% above its estimated fair value. The current Moat Score is 4. Genworth Financial's overall GF Score™ is 62/100 with 6 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 Genworth Financial (FRA:GGK), the current Moat Score is 4 as of Jul. 05, 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 Genworth Financial (FRA:GGK) Overvalued in 2026?

Based on GuruFocus' analysis, Genworth Financial stock appears to be overvalued. The current stock price of €8.40 is trading 28% above its estimated GF Value™ of €6.56.

Key valuation signals for FRA:GGK:

  • Moat Score: 4
  • GF Value™: €6.56 vs. price of €8.40 (28% above fair value)
  • GF Score™: 62/100 with 6 warning signs

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

Genworth Financial Business Description

Other Exchanges GNW:USA
Address 11011 West Broad Street, Glen Allen, VA, USA, 23060
Genworth Financial Inc is a diversified insurance holding company that provides various mortgage and life insurance products. The company has four main operating business segments: Enact, Closed Block segment, and Corporate and Other. The company's product portfolio includes various financial products such as traditional life insurance, mortgage insurance, fixed annuities, and variable annuities. The majority of the revenue is generated by the Enact segment. The company earns the maximum of its revenue in the United States.
62GF Score

Get the complete analysis for FRA:GGK

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

€8.40
Price
€6.56
GF Value