FRFHF (Fairfax Financial Holdings) Moat Score: 5/10 (As of Jul. 03, 2026)


FRFHF Fairfax Financial Holdings Ltd FRFHF
78 GF Score
Price $1,682.03
GF Value $1,551.62
Valuation Fairly Valued
! 5 Warning Signs
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What is Fairfax Financial Holdings Moat Score?

Fairfax Financial Holdings FRFHF +0.98% 78 Moat Score is 5 as of Jul. 03, 2026. GuruFocus rates FRFHF with a GF Score™ of 78/100 and a GF Value™ of $1,551.62 (Fairly Valued). The stock has 5 warning signs investors should review. Among 599 Insurance companies, Fairfax Financial Holdings ranks better than 88.81% on this metric.

Fairfax Financial Holdings has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Fairfax Financial Holdings has Narrow Moat: Fairfax Financial Holdings Ltd has a solid narrow moat due to its strong brand and customer loyalty in the insurance sector. It benefits from economies of scale and a superior distribution network. However, it lacks significant network effects and customer switching costs, limiting its moat to a solid but not wide level.

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 Fairfax Financial Holdings might have Narrow Moat - Solid narrow moat.

Fairfax Financial Holdings  (OTCPK:FRFHF) 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

Fairfax Financial Holdings Moat Score Related Terms

FRFHF vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Fairfax Financial 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.

Fairfax Financial Holdings Moat Score vs Insurance Industry

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

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


FRFHF
78GF Score
Fairfax Financial Holdings Ltd FRFHF
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?
Fairfax Financial Holdings (FRFHF) has a Moat Score of 5 as of Jul. 03, 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, Fairfax Financial Holdings ranks #67 out of 599 companies in the Insurance industry, placing it in the top 11.2%.
Is Fairfax Financial Holdings' Moat Score too high?
Fairfax Financial Holdings' current Moat Score is 5. Based on the distribution chart, Fairfax Financial Holdings ranks #67 out of 599 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Fairfax Financial Holdings has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Fairfax Financial Holdings' Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, Fairfax Financial Holdings ranks #67 out of 599 companies for Moat Score. This places Fairfax Financial Holdings 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. Fairfax Financial Holdings'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 Fairfax Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Fairfax Financial Holdings (FRFHF) is currently considered Fairly Valued. The stock's GF Value™ is $1,551.62, compared to a current price of $1,682.03 — trading 8.4% above its estimated fair value. The current Moat Score is 5. Fairfax Financial Holdings' overall GF Score™ is 78/100 with 5 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 Fairfax Financial Holdings (FRFHF), the current Moat Score is 5 as of Jul. 03, 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 Fairfax Financial Holdings (FRFHF) Overvalued in 2026?

Based on GuruFocus' analysis, Fairfax Financial Holdings stock appears to be overvalued. The current stock price of $1,682.03 is trading 8.4% above its estimated GF Value™ of $1,551.62. GuruFocus considers Fairfax Financial Holdings to be Fairly Valued.

Key valuation signals for FRFHF:

  • Moat Score: 5
  • GF Value™: $1,551.62 vs. price of $1,682.03 (8.4% above fair value)
  • GF Score™: 78/100 with 5 warning signs

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

Fairfax Financial Holdings Business Description

Address 95 Wellington Street West, Suite 800, Toronto, ON, CAN, M5J 2N7
Fairfax Financial Holdings provides reinsurance and property and casualty insurance in Canada, the United States, and other international markets. The company also has some noninsurance operations such as restaurants. Fairfax has been led by Prem Watsa, its chair and CEO, since its formation in 1985.
78GF Score

Get the complete analysis for FRFHF

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

$1,682.03
Price
$1,551.62
GF Value