Pelagos Insurance Capital (STU:U0K) Moat Score: 4/10 (As of Jul. 17, 2026)

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STU:U0K Pelagos Insurance Capital Ltd STU:U0K
78 GF Score
Price €22.00
GF Value €18.71
! 6 Warning Signs
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What is Pelagos Insurance Capital Moat Score?

Pelagos Insurance Capital STU:U0K +2.80% 78 Moat Score is 4 as of Jul. 17, 2026. GuruFocus rates STU:U0K with a GF Score™ of 78/100 and a GF Value™ of €18.71. The stock has 6 warning signs investors should review. Among 594 Insurance companies, Pelagos Insurance Capital ranks better than 79.46% on this metric.

Pelagos Insurance Capital has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Pelagos Insurance Capital has Narrow Moat: Pelagos Insurance Capital Ltd has a modest moat due to its niche market leadership and some customer loyalty. However, it lacks significant network effects, strong brand strength, or substantial regulatory barriers, limiting its competitive edge.

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 Pelagos Insurance Capital might have Narrow Moat - Discernible but modest moat.

Pelagos Insurance Capital  (STU:U0K) 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

Pelagos Insurance Capital Moat Score Related Terms

STU:U0K vs XZO, IGIC, SUND: Moat Score Comparison

For the Insurance - Diversified subindustry, Pelagos Insurance Capital'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.

Pelagos Insurance Capital Moat Score vs Insurance Industry

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

* The bar in red indicates where Pelagos Insurance Capital's Moat Score falls into.


STU:U0K
78GF Score
Pelagos Insurance Capital Ltd STU:U0K
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 4 mean?
Pelagos Insurance Capital (STU:U0K) has a Moat Score of 4 as of Jul. 17, 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, Pelagos Insurance Capital ranks #122 out of 594 companies in the Insurance industry, placing it in the top 20.5%.
Is Pelagos Insurance Capital's Moat Score too high?
Pelagos Insurance Capital's current Moat Score is 4. Based on the distribution chart, Pelagos Insurance Capital ranks #122 out of 594 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Pelagos Insurance Capital has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Pelagos Insurance Capital's Moat Score compare to XZO and IGIC?
According to the Insurance industry distribution chart, Pelagos Insurance Capital ranks #122 out of 594 companies for Moat Score. This places Pelagos Insurance Capital in the top 21% 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. Pelagos Insurance Capital's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pelagos Insurance Capital stock overvalued right now?
Pelagos Insurance Capital (STU:U0K) has a current Moat Score of 4. The stock's GF Value™ is €18.71, compared to a current price of €22.00 — trading 17.6% above its estimated fair value. The current Moat Score is 4. Pelagos Insurance Capital's overall GF Score™ is 78/100 with 6 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 Pelagos Insurance Capital (STU:U0K), the current Moat Score is 4 as of Jul. 17, 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 Pelagos Insurance Capital (STU:U0K) Overvalued in 2026?

Based on GuruFocus' analysis, Pelagos Insurance Capital stock appears to be overvalued. The current stock price of €22.00 is trading 17.6% above its estimated GF Value™ of €18.71.

Key valuation signals for STU:U0K:

  • Moat Score: 4
  • GF Value™: €18.71 vs. price of €22.00 (17.6% above fair value)
  • GF Score™: 78/100 with 6 warning signs

No single metric tells the full story. See the STU:U0K stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pelagos Insurance Capital Business Description

Other Exchanges PLGO:USAU0K:Germany
Address 90 Pitts Bay Road, 4th Floor, Wellesley House South, Pembroke, BMU, HM08
Pelagos Insurance Capital Ltd operates in the specialty insurance and reinsurance sector. Its activities include capital allocation, risk selection, and the deployment of capital through underwriting partnerships across insurance and reinsurance markets. The company manages a diversified portfolio and works with underwriting partners to provide insurance and reinsurance solutions to clients and brokers.
78GF Score

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

€22.00
Price
€18.71
GF Value