HVRRF (Hannover Rueck SE) Moat Score: 7/10 (As of Jun. 27, 2026)


HVRRF Hannover Rueck SE HVRRF
76 GF Score
Price $270.00
GF Value $351.63
Valuation Modestly Undervalued
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What is Hannover Rueck SE Moat Score?

Hannover Rueck SE HVRRF 76 Moat Score is 7 as of Jun. 27, 2026. GuruFocus rates HVRRF with a GF Score™ of 76/100 and a GF Value™ of $351.63 (Modestly Undervalued). Among 596 Insurance companies, Hannover Rueck SE ranks better than 98.99% on this metric.

Hannover Rueck SE has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Hannover Rueck SE has Wide Moat: Hannover Rueck SE has a strong wide moat due to its leading position in the reinsurance market, significant scale advantages, and regulatory expertise. Its brand strength and customer loyalty further enhance its durable competitive position.

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 Hannover Rueck SE might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Hannover Rueck SE  (OTCPK:HVRRF) 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

Hannover Rueck SE Moat Score Related Terms

HVRRF vs RGA, EG, RNR: Moat Score Comparison

For the Insurance - Reinsurance subindustry, Hannover Rueck SE'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.

Hannover Rueck SE Moat Score vs Insurance Industry

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

* The bar in red indicates where Hannover Rueck SE's Moat Score falls into.


HVRRF
76GF Score
Hannover Rueck SE HVRRF
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?
Hannover Rueck SE (HVRRF) has a Moat Score of 7 as of Jun. 27, 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, Hannover Rueck SE ranks #6 out of 596 companies in the Insurance industry, placing it in the top 1%.
Is Hannover Rueck SE's Moat Score too high?
Hannover Rueck SE's current Moat Score is 7. Based on the distribution chart, Hannover Rueck SE ranks #6 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Hannover Rueck SE has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hannover Rueck SE's Moat Score compare to RGA and EG?
According to the Insurance industry distribution chart, Hannover Rueck SE ranks #6 out of 596 companies for Moat Score. This places Hannover Rueck SE 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. Hannover Rueck SE'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 Hannover Rueck SE stock overvalued right now?
Based on GuruFocus' analysis, Hannover Rueck SE (HVRRF) is currently considered Modestly Undervalued. The stock's GF Value™ is $351.63, compared to a current price of $270.00 — trading 23.2% below its estimated fair value. The current Moat Score is 7. Hannover Rueck SE's overall GF Score™ is 76/100. 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 Hannover Rueck SE (HVRRF), the current Moat Score is 7 as of Jun. 27, 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 Hannover Rueck SE (HVRRF) Overvalued in 2026?

Based on GuruFocus' analysis, Hannover Rueck SE stock appears to be undervalued. The current stock price of $270.00 is trading 23.2% below its estimated GF Value™ of $351.63. GuruFocus considers Hannover Rueck SE to be Modestly Undervalued.

Key valuation signals for HVRRF:

  • Moat Score: 7
  • GF Value™: $351.63 vs. price of $270.00 (23.2% below fair value)
  • GF Score™: 76/100

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

Hannover Rueck SE Business Description

Address Karl-Wiechert-Allee 50, Hannover, NI, DEU, 30625
Hannover Re is a reinsurance company headquartered in Hannover, Germany. Its roots go back to the 1920s when, in conjunction with the Gerling Group, Haftpflichtverband founded Eisen- und Stahl-Industrie to provide reinsurance services. In the 1960s ownership of the business was turned over to Haftpflichtverband, and Aktiengesellschaft für Transport und- Rückversicherung was founded. This was the basis of Hannover Re. The business expanded into life and health reinsurance in the 1990s, and over the next 30 years expanded beyond its core domestic market of Germany to write business internationally. Hannover sold its commercial specialty insurance business to Talanx in January 2019. Hannover was listed in the 1990s on the Frankfurt Stock Exchange.
76GF Score

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

$270.00
Price
$351.63
GF Value