TDHOY (T&D Holdings) Moat Score: 4/10 (As of Jul. 06, 2026)


TDHOY T&D Holdings Inc TDHOY
60 GF Score
Price $15.03
GF Value $12.04
Valuation Modestly Overvalued
! 6 Warning Signs
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What is T&D Holdings Moat Score?

T&D Holdings TDHOY +3.73% 60 Moat Score is 4 as of Jul. 06, 2026. GuruFocus rates TDHOY with a GF Score™ of 60/100 and a GF Value™ of $12.04 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 599 Insurance companies, T&D Holdings ranks better than 79.63% on this metric.

T&D Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

T&D Holdings has Narrow Moat: T&D Holdings has a discernible but modest moat in the insurance sector, with some brand strength and customer loyalty. However, it faces regulatory challenges and lacks significant cost 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 T&D Holdings might have Narrow Moat - Discernible but modest moat.

T&D Holdings  (OTCPK:TDHOY) 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

T&D Holdings Moat Score Related Terms

TDHOY vs AFL, MET, PRU: Moat Score Comparison

For the Insurance - Life subindustry, T&D 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.

T&D Holdings Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, T&D Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where T&D Holdings's Moat Score falls into.


TDHOY
60GF Score
T&D Holdings Inc TDHOY
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?
T&D Holdings (TDHOY) has a Moat Score of 4 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, T&D Holdings ranks #122 out of 599 companies in the Insurance industry, placing it in the top 20.4%.
Is T&D Holdings' Moat Score too high?
T&D Holdings' current Moat Score is 4. Based on the distribution chart, T&D Holdings ranks #122 out of 599 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, T&D Holdings has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does T&D Holdings' Moat Score compare to AFL and MET?
According to the Insurance industry distribution chart, T&D Holdings ranks #122 out of 599 companies for Moat Score. This places T&D Holdings in the top 20% 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. T&D Holdings'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 T&D Holdings stock overvalued right now?
Based on GuruFocus' analysis, T&D Holdings (TDHOY) is currently considered Modestly Overvalued. The stock's GF Value™ is $12.04, compared to a current price of $15.03 — trading 24.8% above its estimated fair value. The current Moat Score is 4. T&D Holdings' overall GF Score™ is 60/100 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 T&D Holdings (TDHOY), the current Moat Score is 4 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 T&D Holdings (TDHOY) Overvalued in 2026?

Based on GuruFocus' analysis, T&D Holdings stock appears to be overvalued. The current stock price of $15.03 is trading 24.8% above its estimated GF Value™ of $12.04. GuruFocus considers T&D Holdings to be Modestly Overvalued.

Key valuation signals for TDHOY:

  • Moat Score: 4
  • GF Value™: $12.04 vs. price of $15.03 (24.8% above fair value)
  • GF Score™: 60/100 with 6 warning signs

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

T&D Holdings Business Description

Address 2-7-1 Nihonbashi, Chuo-ku, Tokyo, JPN, 103-6031
T&D Holdings Inc is a Japanese holding company. It manages life insurance business. The company has four reportable segments, namely Daido Life Insurance, T&D Financial Life Insurance, T&D United Capital, and Taiyo Life Insurance. The company earns the majority of its revenue from the Taiyo Life Insurance segment, which provides life insurance services to the household market.
60GF Score

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

$15.03
Price
$12.04
GF Value