NNGPF (NN Group NV) Moat Score: 5/10 (As of Jun. 29, 2026)


NNGPF NN Group NV NNGPF
53 GF Score
Price $87.40
GF Value $58.72
Valuation Significantly Overvalued
! 11 Warning Signs
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What is NN Group NV Moat Score?

NN Group NV NNGPF +0.40% 53 Moat Score is 5 as of Jun. 29, 2026. GuruFocus rates NNGPF with a GF Score™ of 53/100 and a GF Value™ of $58.72 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 601 Insurance companies, NN Group NV ranks better than 88.85% on this metric.

NN Group NV has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

NN Group NV has Narrow Moat: NN Group has a solid narrow moat with a strong brand in the insurance sector and significant regulatory barriers. It benefits from economies of scale and customer loyalty, but intense competition and limited pricing power prevent it from achieving 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 NN Group NV might have Narrow Moat - Solid narrow moat.

NN Group NV  (OTCPK:NNGPF) 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

NN Group NV Moat Score Related Terms

NNGPF vs BRK.A, AIG, HIG: Moat Score Comparison

For the Insurance - Diversified subindustry, NN Group NV'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.

NN Group NV Moat Score vs Insurance Industry

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

* The bar in red indicates where NN Group NV's Moat Score falls into.


NNGPF
53GF Score
NN Group NV NNGPF
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?
NN Group NV (NNGPF) has a Moat Score of 5 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, NN Group NV ranks #67 out of 601 companies in the Insurance industry, placing it in the top 11.1%.
Is NN Group NV's Moat Score too high?
NN Group NV's current Moat Score is 5. Based on the distribution chart, NN Group NV ranks #67 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, NN Group NV has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NN Group NV's Moat Score compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NN Group NV ranks #67 out of 601 companies for Moat Score. This places NN Group NV 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. NN Group NV'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 NN Group NV stock overvalued right now?
Based on GuruFocus' analysis, NN Group NV (NNGPF) is currently considered Significantly Overvalued. The stock's GF Value™ is $58.72, compared to a current price of $87.40 — trading 48.8% above its estimated fair value. The current Moat Score is 5. NN Group NV's overall GF Score™ is 53/100 with 11 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 NN Group NV (NNGPF), the current Moat Score is 5 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 NN Group NV (NNGPF) Overvalued in 2026?

Based on GuruFocus' analysis, NN Group NV stock appears to be overvalued. The current stock price of $87.40 is trading 48.8% above its estimated GF Value™ of $58.72. GuruFocus considers NN Group NV to be Significantly Overvalued.

Key valuation signals for NNGPF:

  • Moat Score: 5
  • GF Value™: $58.72 vs. price of $87.40 (48.8% above fair value)
  • GF Score™: 53/100 with 11 warning signs

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

NN Group NV Business Description

Address Schenkkade 65, The Hague, ZH, NLD, 2595 AS
NN Group is a European insurance company that primarily sells long-term savings in the Netherlands. The business is made up of four divisions: Netherlands life, Netherlands nonlife, insurance Europe, and Japan life. The Netherlands life business is the biggest division and tends to generate around three-quarters of operating income. That business sells traditional spread-based long-term savings and more modern defined-contribution savings. Since 2022, assets that are managed to support the traditional savings products and in-house part of defined-contribution products are managed by Goldman Sachs Asset Management. Since around 2013, NN has closed its domestic individual life insurance products to new business.
53GF Score

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

$87.40
Price
$58.72
GF Value