Medibank Pvt (FRA:MPV) Moat Score: 5/10 (As of Jun. 30, 2026)


FRA:MPV Medibank Pvt Ltd FRA:MPV
77 GF Score
Price €2.98
GF Value €2.61
! 6 Warning Signs
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What is Medibank Pvt Moat Score?

Medibank Pvt FRA:MPV +0.68% 77 Moat Score is 5 as of Jun. 30, 2026. GuruFocus rates FRA:MPV with a GF Score™ of 77/100 and a GF Value™ of €2.61. The stock has 6 warning signs investors should review. Among 601 Insurance companies, Medibank Pvt ranks better than 88.85% on this metric.

Medibank Pvt has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Medibank Pvt has Narrow Moat: Medibank Pvt Ltd has a solid narrow moat due to its established brand and customer loyalty in the health insurance sector. However, it faces competitive pressures and lacks significant regulatory barriers or pricing power.

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 Medibank Pvt might have Narrow Moat - Solid narrow moat.

Medibank Pvt  (FRA:MPV) 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

Medibank Pvt Moat Score Related Terms

FRA:MPV vs FNF, AXS, FAF: Moat Score Comparison

For the Insurance - Specialty subindustry, Medibank Pvt'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.

Medibank Pvt Moat Score vs Insurance Industry

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

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


FRA:MPV
77GF Score
Medibank Pvt Ltd FRA:MPV
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 5 mean?
Medibank Pvt (FRA:MPV) has a Moat Score of 5 as of Jun. 30, 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, Medibank Pvt ranks #67 out of 601 companies in the Insurance industry, placing it in the top 11.1%.
Is Medibank Pvt's Moat Score too high?
Medibank Pvt's current Moat Score is 5. Based on the distribution chart, Medibank Pvt ranks #67 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Medibank Pvt has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Medibank Pvt's Moat Score compare to FNF and AXS?
According to the Insurance industry distribution chart, Medibank Pvt ranks #67 out of 601 companies for Moat Score. This places Medibank Pvt in the top 11% 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. Medibank Pvt's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Medibank Pvt stock overvalued right now?
Medibank Pvt (FRA:MPV) has a current Moat Score of 5. The stock's GF Value™ is €2.61, compared to a current price of €2.98 — trading 14.2% above its estimated fair value. The current Moat Score is 5. Medibank Pvt's overall GF Score™ is 77/100 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 Medibank Pvt (FRA:MPV), the current Moat Score is 5 as of Jun. 30, 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 Medibank Pvt (FRA:MPV) Overvalued in 2026?

Based on GuruFocus' analysis, Medibank Pvt stock appears to be overvalued. The current stock price of €2.98 is trading 14.2% above its estimated GF Value™ of €2.61.

Key valuation signals for FRA:MPV:

  • Moat Score: 5
  • GF Value™: €2.61 vs. price of €2.98 (14.2% above fair value)
  • GF Score™: 77/100 with 6 warning signs

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

Medibank Pvt Business Description

Address 695 Collins Street, Medibank Melbourne Hub, Level 2, Docklands, Melbourne, VIC, AUS, 3008
Previously owned by the Australian government, Medibank is the largest health insurer in Australia. Its two brands, Medibank Private and Ahm, cover around 5 million people. Medibank and Australia's fourth-largest health fund, NIB Holdings, are the only listed health insurers. In addition to private health insurance, the firm provides life, pet, and travel insurance, as well as health insurance for overseas students and temporary overseas workers. The Medibank Health division provides healthcare services to businesses, governments, and communities across Australia and New Zealand.
77GF Score

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

€2.98
Price
€2.61
GF Value