Munchener Ruckversicherungs-Gesellschaft AG (LTS:0KFE) Moat Score: 7/10 (As of Jul. 06, 2026)


LTS:0KFE Munchener Ruckversicherungs-Gesellschaft AG LTS:0KFE
67 GF Score
Price €495.50
GF Value €560.98
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Munchener Ruckversicherungs-Gesellschaft AG Moat Score?

Munchener Ruckversicherungs-Gesellschaft AG LTS:0KFE -1.22% 67 Moat Score is 7 as of Jul. 06, 2026. GuruFocus rates LTS:0KFE with a GF Score™ of 67/100 and a GF Value™ of €560.98 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 598 Insurance companies, Munchener Ruckversicherungs-Gesellschaft AG ranks better than 99% on this metric.

Munchener Ruckversicherungs-Gesellschaft AG has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Munchener Ruckversicherungs-Gesellschaft AG has Wide Moat: Munchener Ruck has a wide moat with strong brand strength, significant market leadership in reinsurance, and regulatory barriers. Its global distribution network and pricing power further solidify its 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 Munchener Ruckversicherungs-Gesellschaft AG might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Munchener Ruckversicherungs-Gesellschaft AG  (LTS:0KFE) 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

Munchener Ruckversicherungs-Gesellschaft AG Moat Score Related Terms

LTS:0KFE vs RGA, EG, RNR: Moat Score Comparison

For the Insurance - Reinsurance subindustry, Munchener Ruckversicherungs-Gesellschaft 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.

Munchener Ruckversicherungs-Gesellschaft AG Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Munchener Ruckversicherungs-Gesellschaft AG's Moat Score distribution charts can be found below:

* The bar in red indicates where Munchener Ruckversicherungs-Gesellschaft AG's Moat Score falls into.


LTS:0KFE
67GF Score
Munchener Ruckversicherungs-Gesellschaft AG LTS:0KFE
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?
Munchener Ruckversicherungs-Gesellschaft AG (LTS:0KFE) has a Moat Score of 7 as of Jul. 06, 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, Munchener Ruckversicherungs-Gesellschaft AG ranks #6 out of 598 companies in the Insurance industry, placing it in the top 1%.
Is Munchener Ruckversicherungs-Gesellschaft AG's Moat Score too high?
Munchener Ruckversicherungs-Gesellschaft AG's current Moat Score is 7. Based on the distribution chart, Munchener Ruckversicherungs-Gesellschaft AG ranks #6 out of 598 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Munchener Ruckversicherungs-Gesellschaft AG has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Munchener Ruckversicherungs-Gesellschaft AG's Moat Score compare to RGA and EG?
According to the Insurance industry distribution chart, Munchener Ruckversicherungs-Gesellschaft AG ranks #6 out of 598 companies for Moat Score. This places Munchener Ruckversicherungs-Gesellschaft AG 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. Munchener Ruckversicherungs-Gesellschaft AG'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 Munchener Ruckversicherungs-Gesellschaft AG stock overvalued right now?
Based on GuruFocus' analysis, Munchener Ruckversicherungs-Gesellschaft AG (LTS:0KFE) is currently considered Modestly Undervalued. The stock's GF Value™ is €560.98, compared to a current price of €495.50 — trading 11.7% below its estimated fair value. The current Moat Score is 7. Munchener Ruckversicherungs-Gesellschaft AG's overall GF Score™ is 67/100 with 1 warning sign 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 Munchener Ruckversicherungs-Gesellschaft AG (LTS:0KFE), the current Moat Score is 7 as of Jul. 06, 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 Munchener Ruckversicherungs-Gesellschaft AG (LTS:0KFE) Overvalued in 2026?

Based on GuruFocus' analysis, Munchener Ruckversicherungs-Gesellschaft AG stock appears to be undervalued. The current stock price of €495.50 is trading 11.7% below its estimated GF Value™ of €560.98. GuruFocus considers Munchener Ruckversicherungs-Gesellschaft AG to be Modestly Undervalued.

Key valuation signals for LTS:0KFE:

  • Moat Score: 7
  • GF Value™: €560.98 vs. price of €495.50 (11.7% below fair value)
  • GF Score™: 67/100 with 1 warning sign

No single metric tells the full story. See the LTS:0KFE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Munchener Ruckversicherungs-Gesellschaft AG Business Description

Address Koniginstrasse 107, Munich, BY, DEU, 80802
Munich Re was founded in 1880 by Carl Thieme amid a flurry of other reinsurance companies set up independent of primaries. In those early days, most reinsurers typically focused on a few strong customers. Thieme focused on a broader set of cedents to drive stronger growth in premiums. This coincided with a strategy of risk diversification and a preference to partner rather than take on a one-sided transfer of risk. In the 1890s, Munich Re introduced the first machinery insurance. After Thieme and Wilhelm von Fink founded Allianz, this was the main channel to sell machinery insurance. We believe the approach of partnering with insurers and preferring to avoid one-sided risk, in conjunction with combining inspection and insurance services, remains at the heart of the firm.
67GF Score

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

€495.50
Price
€560.98
GF Value