Tokio Marine Holdings (MEX:8766N) Moat Score: 7/10 (As of Jun. 24, 2026)


MEX:8766N Tokio Marine Holdings Inc MEX:8766N
52 GF Score
Price MXN806.49
GF Value MXN661.31
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Tokio Marine Holdings Moat Score?

Tokio Marine Holdings MEX:8766N 52 Moat Score is 7 as of Jun. 24, 2026. GuruFocus rates MEX:8766N with a GF Score™ of 52/100 and a GF Value™ of MXN661.31 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 598 Insurance companies, Tokio Marine Holdings ranks better than 99% on this metric.

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

Tokio Marine Holdings has Wide Moat: Tokio Marine Holdings Inc has a strong market position in the insurance industry, with significant regulatory barriers and a robust distribution network. Its brand strength and customer loyalty, combined with economies of scale, provide 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 Tokio Marine Holdings might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Tokio Marine Holdings  (MEX:8766N) 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

Tokio Marine Holdings Moat Score Related Terms

MEX:8766N vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Tokio Marine 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.

Tokio Marine Holdings Moat Score vs Insurance Industry

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

* The bar in red indicates where Tokio Marine Holdings's Moat Score falls into.


MEX:8766N
52GF Score
Tokio Marine Holdings Inc MEX:8766N
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?
Tokio Marine Holdings (MEX:8766N) has a Moat Score of 7 as of Jun. 24, 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, Tokio Marine Holdings ranks #6 out of 598 companies in the Insurance industry, placing it in the top 1%.
Is Tokio Marine Holdings' Moat Score too high?
Tokio Marine Holdings' current Moat Score is 7. Based on the distribution chart, Tokio Marine Holdings ranks #6 out of 598 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Tokio Marine Holdings has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tokio Marine Holdings' Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, Tokio Marine Holdings ranks #6 out of 598 companies for Moat Score. This places Tokio Marine Holdings 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. Tokio Marine Holdings'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 Tokio Marine Holdings stock overvalued right now?
Based on GuruFocus' analysis, Tokio Marine Holdings (MEX:8766N) is currently considered Modestly Overvalued. The stock's GF Value™ is MXN661.31, compared to a current price of MXN806.49 — trading 22% above its estimated fair value. The current Moat Score is 7. Tokio Marine Holdings' overall GF Score™ is 52/100 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 Tokio Marine Holdings (MEX:8766N), the current Moat Score is 7 as of Jun. 24, 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 Tokio Marine Holdings (MEX:8766N) Overvalued in 2026?

Based on GuruFocus' analysis, Tokio Marine Holdings stock appears to be overvalued. The current stock price of MXN806.49 is trading 22% above its estimated GF Value™ of MXN661.31. GuruFocus considers Tokio Marine Holdings to be Modestly Overvalued.

Key valuation signals for MEX:8766N:

  • Moat Score: 7
  • GF Value™: MXN661.31 vs. price of MXN806.49 (22% above fair value)
  • GF Score™: 52/100 with 5 warning signs

No single metric tells the full story. See the MEX:8766N stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Tokio Marine Holdings Business Description

Address 2-6-4 Otemachi, Chiyoda-ku, Tokyo, JPN, 100-0004
Dating back to 1879, Tokio Marine is the oldest insurance company in Japan and operated as its top property and casualty insurer for decades. Following industry consolidation, it now shares domestic dominance with MS and AD and Sompo. However, Tokio Marine remains by far the most valuable listed Japanese insurer by market capitalization. This premium valuation is driven by an aggressive unwinding of domestic cross-shareholdings and a highly profitable overseas portfolio. The majority of its international business is based in the United States, where it has acquired premium specialty insurers since 2008, including Philadelphia Consolidated, Delphi Financial, Tokio Marine HCC, and Privilege Underwriters Reciprocal Exchange, recently fortified by a capital alliance with Berkshire Hathaway.
52GF Score

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

MXN806.49
Price
MXN661.31
GF Value