Ping An Insurance (Group) Co. of China (FRA:PZX) Moat Score: 7/10 (As of Jun. 30, 2026)


FRA:PZX Ping An Insurance (Group) Co. of China Ltd FRA:PZX
70 GF Score
Price €5.69
GF Value €5.54
Valuation Fairly Valued
! 3 Warning Signs
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What is Ping An Insurance (Group) Co. of China Moat Score?

Ping An Insurance (Group) Co. of China FRA:PZX +2.76% 70 Moat Score is 7 as of Jun. 30, 2026. GuruFocus rates FRA:PZX with a GF Score™ of 70/100 and a GF Value™ of €5.54 (Fairly Valued). The stock has 3 warning signs investors should review. Among 601 Insurance companies, Ping An Insurance (Group) Co. of China ranks better than 99% on this metric.

Ping An Insurance (Group) Co. of China has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Ping An Insurance (Group) Co. of China has Wide Moat: Ping An Insurance has a wide moat due to its market leadership in China, strong brand, and significant customer switching costs. It benefits from economies of scale, regulatory barriers, and a superior distribution network, providing durable competitive 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 Ping An Insurance (Group) Co. of China might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Ping An Insurance (Group) Co. of China  (FRA:PZX) 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

Ping An Insurance (Group) Co. of China Moat Score Related Terms

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

For the Insurance - Life subindustry, Ping An Insurance (Group) Co. of China'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.

Ping An Insurance (Group) Co. of China Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Ping An Insurance (Group) Co. of China's Moat Score distribution charts can be found below:

* The bar in red indicates where Ping An Insurance (Group) Co. of China's Moat Score falls into.


FRA:PZX
70GF Score
Ping An Insurance (Group) Co. of China Ltd FRA:PZX
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?
Ping An Insurance (Group) Co. of China (FRA:PZX) has a Moat Score of 7 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, Ping An Insurance (Group) Co. of China ranks #6 out of 601 companies in the Insurance industry, placing it in the top 1%.
Is Ping An Insurance (Group) Co. of China's Moat Score too high?
Ping An Insurance (Group) Co. of China's current Moat Score is 7. Based on the distribution chart, Ping An Insurance (Group) Co. of China ranks #6 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Ping An Insurance (Group) Co. of China has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ping An Insurance (Group) Co. of China's Moat Score compare to AFL and MET?
According to the Insurance industry distribution chart, Ping An Insurance (Group) Co. of China ranks #6 out of 601 companies for Moat Score. This places Ping An Insurance (Group) Co. of China 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. Ping An Insurance (Group) Co. of China'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 Ping An Insurance (Group) Co. of China stock overvalued right now?
Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China (FRA:PZX) is currently considered Fairly Valued. The stock's GF Value™ is €5.54, compared to a current price of €5.69 — trading 2.7% above its estimated fair value. The current Moat Score is 7. Ping An Insurance (Group) Co. of China's overall GF Score™ is 70/100 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 Ping An Insurance (Group) Co. of China (FRA:PZX), the current Moat Score is 7 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 Ping An Insurance (Group) Co. of China (FRA:PZX) Overvalued in 2026?

Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China stock appears to be overvalued. The current stock price of €5.69 is trading 2.7% above its estimated GF Value™ of €5.54. GuruFocus considers Ping An Insurance (Group) Co. of China to be Fairly Valued.

Key valuation signals for FRA:PZX:

  • Moat Score: 7
  • GF Value™: €5.54 vs. price of €5.69 (2.7% above fair value)
  • GF Score™: 70/100 with 3 warning signs

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

Ping An Insurance (Group) Co. of China Business Description

Address No. 5033 Yitian Road, Ping An Finance Center, 47th, 48th, 109th, 110th, 111th and 112th Floors, Futian District, Guangdong Province, Shenzhen, CHN, 518033
Ping An Insurance was founded in 1988 and headquartered in Shenzhen. As an integrated financial service provider, the company offers healthcare services and integrated financial products. Ping An is China's second-largest life and P&C insurer. The company strives for an integrated financial services platform comprising life insurance, P&C insurance, banking, and other financial services. These business segments contributed 66%, 10%, 28%, and 1% of the company's pretax profits, respectively, in 2025.
70GF Score

Get the complete analysis for FRA:PZX

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

€5.69
Price
€5.54
GF Value