PUK (Prudential) Moat Score: 8/10 (As of Jul. 01, 2026)


PUK Prudential PLC PUK
61 GF Score
Price $26.81
GF Value $35.26
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Prudential Moat Score?

Prudential PUK +0.68% 61 Moat Score is 8 as of Jul. 01, 2026. GuruFocus rates PUK with a GF Score™ of 61/100 and a GF Value™ of $35.26 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 600 Insurance companies, Prudential ranks better than 99.67% on this metric.

Prudential has the Moat Score of 8, which implies that the company might have Wide Moat - Clear and robust wide moat.

Prudential has Wide Moat: Prudential PLC has a clear and robust wide moat due to its strong brand, significant regulatory barriers, and economies of scale in the insurance industry. The company benefits from customer loyalty and a superior distribution network, ensuring 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 Prudential might have Wide Moat - Clear and robust wide moat.

Prudential  (NYSE:PUK) 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

Prudential Moat Score Related Terms

PUK vs AFL, MET, PRU: Moat Score Comparison

For the Insurance - Life subindustry, Prudential'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.

Prudential Moat Score vs Insurance Industry

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

* The bar in red indicates where Prudential's Moat Score falls into.


PUK
61GF Score
Prudential PLC PUK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 8 mean?
Prudential (PUK) has a Moat Score of 8 as of Jul. 01, 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, Prudential ranks #2 out of 600 companies in the Insurance industry, placing it in the top 0.3%.
Is Prudential's Moat Score too high?
Prudential's current Moat Score is 8. Based on the distribution chart, Prudential ranks #2 out of 600 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Prudential has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Prudential's Moat Score compare to AFL and MET?
According to the Insurance industry distribution chart, Prudential ranks #2 out of 600 companies for Moat Score. This places Prudential in the top 0% 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. Prudential's current Moat Score is 8. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prudential stock overvalued right now?
Based on GuruFocus' analysis, Prudential (PUK) is currently considered Modestly Undervalued. The stock's GF Value™ is $35.26, compared to a current price of $26.81 — trading 24% below its estimated fair value. The current Moat Score is 8. Prudential's overall GF Score™ is 61/100 with 3 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 Prudential (PUK), the current Moat Score is 8 as of Jul. 01, 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 Prudential (PUK) Overvalued in 2026?

Based on GuruFocus' analysis, Prudential stock appears to be undervalued. The current stock price of $26.81 is trading 24% below its estimated GF Value™ of $35.26. GuruFocus considers Prudential to be Modestly Undervalued.

Key valuation signals for PUK:

  • Moat Score: 8
  • GF Value™: $35.26 vs. price of $26.81 (24% below fair value)
  • GF Score™: 61/100 with 3 warning signs

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

Prudential Business Description

Address 1 Harbour View Street, 13th Floor, One International Financial Centre, Central, Hong Kong, HKG
Originally established in 1848 as the Prudential Mutual Assurance, Investment, and Loan Association, Prudential has changed a lot since. Set up to sell life insurance and loans to the middle class, the company subsequently diversified into Europe and then North America with the purchase of Jackson National Life around 1985. During its time as owner of Jackson, Prudential focused on building a simple chassis-style product portfolio that allowed customers to choose from a variety of add-ons. The company also became renowned for its focus on building the internal capabilities required to support its strong product offerings, including compelling technology and a large well-trained wholesale salesforce.
61GF Score

Get the complete analysis for PUK

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

$26.81
Price
$35.26
GF Value