TLLXY (Talanx AG) Moat Score: 5/10 (As of Jul. 01, 2026)


TLLXY Talanx AG TLLXY
80 GF Score
Price $60.33
GF Value $58.65
Valuation Fairly Valued
! 2 Warning Signs
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What is Talanx AG Moat Score?

Talanx AG TLLXY 80 Moat Score is 5 as of Jul. 01, 2026. GuruFocus rates TLLXY with a GF Score™ of 80/100 and a GF Value™ of $58.65 (Fairly Valued). The stock has 2 warning signs investors should review. Among 600 Insurance companies, Talanx AG ranks better than 88.83% on this metric.

Talanx AG has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Talanx AG has Narrow Moat: Talanx AG has a solid market position in the insurance industry with some brand strength and customer loyalty. However, the competitive landscape and regulatory environment limit its ability to achieve a wide moat. Its cost advantages and distribution network provide a modest 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 Talanx AG might have Narrow Moat - Solid narrow moat.

Talanx AG  (OTCPK:TLLXY) 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

Talanx AG Moat Score Related Terms

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

For the Insurance - Diversified subindustry, Talanx AG'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.

Talanx AG Moat Score vs Insurance Industry

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

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


TLLXY
80GF Score
Talanx AG TLLXY
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?
Talanx AG (TLLXY) has a Moat Score of 5 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, Talanx AG ranks #67 out of 600 companies in the Insurance industry, placing it in the top 11.2%.
Is Talanx AG's Moat Score too high?
Talanx AG's current Moat Score is 5. Based on the distribution chart, Talanx AG ranks #67 out of 600 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Talanx AG has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Talanx AG's Moat Score compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Talanx AG ranks #67 out of 600 companies for Moat Score. This places Talanx AG 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. Talanx AG'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 Talanx AG stock overvalued right now?
Based on GuruFocus' analysis, Talanx AG (TLLXY) is currently considered Fairly Valued. The stock's GF Value™ is $58.65, compared to a current price of $60.33 — trading 2.9% above its estimated fair value. The current Moat Score is 5. Talanx AG's overall GF Score™ is 80/100 with 2 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 Talanx AG (TLLXY), the current Moat Score is 5 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 Talanx AG (TLLXY) Overvalued in 2026?

Based on GuruFocus' analysis, Talanx AG stock appears to be overvalued. The current stock price of $60.33 is trading 2.9% above its estimated GF Value™ of $58.65. GuruFocus considers Talanx AG to be Fairly Valued.

Key valuation signals for TLLXY:

  • Moat Score: 5
  • GF Value™: $58.65 vs. price of $60.33 (2.9% above fair value)
  • GF Score™: 80/100 with 2 warning signs

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

Talanx AG Business Description

Address HDI-Platz 1, Hannover, NI, DEU, 30659
Talanx is the third largest insurer in Germany. It sells insurance to businesses, individuals, and reinsures other insurers. The origins of Talanx go back to the early 1900s and the founding of two mutuals in Germany, HDI and FSV, that were set up to provide liability insurance to the German iron and steel industry, and fire insurance to the German mining industry as a result of a growing dissatisfaction with providers of insurance. These two mutuals merged to form Halfplichtverband der Deutschen Industrie, or HDI, in 1970. Over the years companies outside of metals and mining have joined the mutual. HDI started providing reinsurance services in the mid-1920s, and individual insurance in the 1950s. HDI owns just over three-quarters of the Talanx share capital.
80GF Score

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

$60.33
Price
$58.65
GF Value