Powszechny Zaklad Ubezpieczen (LTS:0MYY) Moat Score: 5/10 (As of Jul. 06, 2026)


LTS:0MYY Powszechny Zaklad Ubezpieczen SA LTS:0MYY
75 GF Score
Price zł42.09
GF Value zł37.59
! 9 Warning Signs
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What is Powszechny Zaklad Ubezpieczen Moat Score?

Powszechny Zaklad Ubezpieczen LTS:0MYY 75 Moat Score is 5 as of Jul. 06, 2026. GuruFocus rates LTS:0MYY with a GF Score™ of 75/100 and a GF Value™ of zł37.59. The stock has 9 warning signs investors should review. Among 598 Insurance companies, Powszechny Zaklad Ubezpieczen ranks better than 88.8% on this metric.

Powszechny Zaklad Ubezpieczen has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Powszechny Zaklad Ubezpieczen has Narrow Moat: Powszechny Zaklad Ubezpieczen SA has a solid narrow moat due to its market leadership in Poland's insurance sector and strong brand recognition. However, it faces competition and regulatory challenges that limit its pricing power.

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 Powszechny Zaklad Ubezpieczen might have Narrow Moat - Solid narrow moat.

Powszechny Zaklad Ubezpieczen  (LTS:0MYY) 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

Powszechny Zaklad Ubezpieczen Moat Score Related Terms

LTS:0MYY vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen'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.

Powszechny Zaklad Ubezpieczen Moat Score vs Insurance Industry

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

* The bar in red indicates where Powszechny Zaklad Ubezpieczen's Moat Score falls into.


LTS:0MYY
75GF Score
Powszechny Zaklad Ubezpieczen SA LTS:0MYY
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?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a Moat Score of 5 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, Powszechny Zaklad Ubezpieczen ranks #67 out of 598 companies in the Insurance industry, placing it in the top 11.2%.
Is Powszechny Zaklad Ubezpieczen's Moat Score too high?
Powszechny Zaklad Ubezpieczen's current Moat Score is 5. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #67 out of 598 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #67 out of 598 companies for Moat Score. This places Powszechny Zaklad Ubezpieczen 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. Powszechny Zaklad Ubezpieczen'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 Powszechny Zaklad Ubezpieczen stock overvalued right now?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a current Moat Score of 5. The stock's GF Value™ is zł37.59, compared to a current price of zł42.09 — trading 12% above its estimated fair value. The current Moat Score is 5. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 75/100 with 9 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current Moat Score is 5 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY) Overvalued in 2026?

Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued. The current stock price of zł42.09 is trading 12% above its estimated GF Value™ of zł37.59.

Key valuation signals for LTS:0MYY:

  • Moat Score: 5
  • GF Value™: zł37.59 vs. price of zł42.09 (12% above fair value)
  • GF Score™: 75/100 with 9 warning signs

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

Powszechny Zaklad Ubezpieczen Business Description

Address Al. Jana Pawla II 24, Warsaw, POL, 00-133
Powszechny Zaklad Ubezpieczen SA is a property and casualty insurance company that operates in the Central and Eastern European region with an emphasis on the Polish market. The company's main strategic objectives include stable financial results, broad growth, and innovation. The vast majority of Powszechny's revenue is generated from gross written premiums, followed by results of its investment activities. The company serves clients through its own agency network along with sales through external agency centers.
75GF Score

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

zł42.09
Price
zł37.59
GF Value