Great-West Lifeco (FRA:GWS) Moat Score: 6/10 (As of Jul. 01, 2026)


FRA:GWS Great-West Lifeco Inc FRA:GWS
59 GF Score
Price €54.70
GF Value €31.71
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Great-West Lifeco Moat Score?

Great-West Lifeco FRA:GWS -0.07% 59 Moat Score is 6 as of Jul. 01, 2026. GuruFocus rates FRA:GWS with a GF Score™ of 59/100 and a GF Value™ of €31.71 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 600 Insurance companies, Great-West Lifeco ranks better than 95% on this metric.

Great-West Lifeco has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Great-West Lifeco has Narrow Moat: Great-West Lifeco Inc benefits from strong brand recognition and customer loyalty in the insurance sector. It has significant regulatory barriers and economies of scale, providing a strong narrow moat.

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 Great-West Lifeco might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Great-West Lifeco  (FRA:GWS) 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

Great-West Lifeco Moat Score Related Terms

FRA:GWS vs AFL, MET, PRU: Moat Score Comparison

For the Insurance - Life subindustry, Great-West Lifeco'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.

Great-West Lifeco Moat Score vs Insurance Industry

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

* The bar in red indicates where Great-West Lifeco's Moat Score falls into.


FRA:GWS
59GF Score
Great-West Lifeco Inc FRA:GWS
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 6 mean?
Great-West Lifeco (FRA:GWS) has a Moat Score of 6 as of Jul. 01, 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, Great-West Lifeco ranks #30 out of 600 companies in the Insurance industry, placing it in the top 5%.
Is Great-West Lifeco's Moat Score too high?
Great-West Lifeco's current Moat Score is 6. Based on the distribution chart, Great-West Lifeco ranks #30 out of 600 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Great-West Lifeco has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Great-West Lifeco's Moat Score compare to AFL and MET?
According to the Insurance industry distribution chart, Great-West Lifeco ranks #30 out of 600 companies for Moat Score. This places Great-West Lifeco in the top 5% 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. Great-West Lifeco's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Great-West Lifeco stock overvalued right now?
Based on GuruFocus' analysis, Great-West Lifeco (FRA:GWS) is currently considered Significantly Overvalued. The stock's GF Value™ is €31.71, compared to a current price of €54.70 — trading 72.5% above its estimated fair value. The current Moat Score is 6. Great-West Lifeco's overall GF Score™ is 59/100 with 8 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 Great-West Lifeco (FRA:GWS), the current Moat Score is 6 as of Jul. 01, 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 Great-West Lifeco (FRA:GWS) Overvalued in 2026?

Based on GuruFocus' analysis, Great-West Lifeco stock appears to be overvalued. The current stock price of €54.70 is trading 72.5% above its estimated GF Value™ of €31.71. GuruFocus considers Great-West Lifeco to be Significantly Overvalued.

Key valuation signals for FRA:GWS:

  • Moat Score: 6
  • GF Value™: €31.71 vs. price of €54.70 (72.5% above fair value)
  • GF Score™: 59/100 with 8 warning signs

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

Great-West Lifeco Business Description

Address 100 Osborne Street North, Winnipeg, MB, CAN, R3C 1V3
Great-West Lifeco is one of the Big Three Canadian life insurers. The firm's Canadian business contributed around 31% of its 2025 adjusted earnings. The firm generates a further 29% of adjusted earnings from the United States, attributable to its recordkeeping business, Empower, and its US life insurance business. Great-West Lifeco also offers various products across European markets with a strong presence in the UK and Ireland, which collectively accounted for 20% of adjusted earnings, while the firm's reinsurance business accounts for the remainder. Great-West Lifeco had around CAD 3.5 trillion of assets under administration across its business segments at the end of December 2025.
59GF Score

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

€54.70
Price
€31.71
GF Value