Vienna Insurance Group AG (HAM:WSV2) Moat Score: 6/10 (As of Jun. 29, 2026)


HAM:WSV2 Vienna Insurance Group AG HAM:WSV2
73 GF Score
Price €64.80
GF Value €38.63
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Vienna Insurance Group AG Moat Score?

Vienna Insurance Group AG HAM:WSV2 73 Moat Score is 6 as of Jun. 29, 2026. GuruFocus rates HAM:WSV2 with a GF Score™ of 73/100 and a GF Value™ of €38.63 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 601 Insurance companies, Vienna Insurance Group AG ranks better than 95.01% on this metric.

Vienna Insurance Group AG has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Vienna Insurance Group AG has Narrow Moat: Vienna Insurance Group AG has a strong narrow moat with a robust market position in Central and Eastern Europe. It benefits from significant regulatory barriers, brand strength, and customer loyalty. However, it lacks the global dominance required for a wide 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 Vienna Insurance Group AG might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Vienna Insurance Group AG  (HAM:WSV2) 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

Vienna Insurance Group AG Moat Score Related Terms

HAM:WSV2 vs BRK.A, AIG, HIG: Moat Score Comparison

For the Insurance - Diversified subindustry, Vienna Insurance Group AG'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.

Vienna Insurance Group AG Moat Score vs Insurance Industry

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

* The bar in red indicates where Vienna Insurance Group AG's Moat Score falls into.


HAM:WSV2
73GF Score
Vienna Insurance Group AG HAM:WSV2
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?
Vienna Insurance Group AG (HAM:WSV2) has a Moat Score of 6 as of Jun. 29, 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, Vienna Insurance Group AG ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is Vienna Insurance Group AG's Moat Score too high?
Vienna Insurance Group AG's current Moat Score is 6. Based on the distribution chart, Vienna Insurance Group AG ranks #30 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Vienna Insurance Group AG has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vienna Insurance Group AG's Moat Score compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Vienna Insurance Group AG ranks #30 out of 601 companies for Moat Score. This places Vienna Insurance Group AG 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. Vienna Insurance Group AG'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 Vienna Insurance Group AG stock overvalued right now?
Based on GuruFocus' analysis, Vienna Insurance Group AG (HAM:WSV2) is currently considered Significantly Overvalued. The stock's GF Value™ is €38.63, compared to a current price of €64.80 — trading 67.7% above its estimated fair value. The current Moat Score is 6. Vienna Insurance Group AG's overall GF Score™ is 73/100 with 2 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 Vienna Insurance Group AG (HAM:WSV2), the current Moat Score is 6 as of Jun. 29, 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 Vienna Insurance Group AG (HAM:WSV2) Overvalued in 2026?

Based on GuruFocus' analysis, Vienna Insurance Group AG stock appears to be overvalued. The current stock price of €64.80 is trading 67.7% above its estimated GF Value™ of €38.63. GuruFocus considers Vienna Insurance Group AG to be Significantly Overvalued.

Key valuation signals for HAM:WSV2:

  • Moat Score: 6
  • GF Value™: €38.63 vs. price of €64.80 (67.7% above fair value)
  • GF Score™: 73/100 with 2 warning signs

No single metric tells the full story. See the HAM:WSV2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Vienna Insurance Group AG Business Description

Address Schottenring 30, Vienna, AUT, 1010
Vienna Insurance Group AG is a diversified insurance company that offers property and casualty, life, and health insurance products. The company maintains its goal of consolidating market leadership in Austria while taking advantage of the growth potential in Central and Eastern Europe. The company generates the majority of its revenue in Austria, followed by the Czech Republic and Poland.
73GF Score

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

€64.80
Price
€38.63
GF Value