ASR Nederland NV (WBO:ASRN) Moat Score: 4/10 (As of Jul. 02, 2026)


WBO:ASRN ASR Nederland NV WBO:ASRN
62 GF Score
Price €66.14
GF Value €41.52
! 12 Warning Signs
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What is ASR Nederland NV Moat Score?

ASR Nederland NV WBO:ASRN +0.06% 62 Moat Score is 4 as of Jul. 02, 2026. GuruFocus rates WBO:ASRN with a GF Score™ of 62/100 and a GF Value™ of €41.52. The stock has 12 warning signs investors should review. Among 599 Insurance companies, ASR Nederland NV ranks better than 79.63% on this metric.

ASR Nederland NV has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

ASR Nederland NV has Narrow Moat: ASR Nederland has a discernible but modest moat in the insurance sector. It benefits from brand strength and regulatory barriers. However, the competitive nature of the insurance market and lack of significant customer switching costs or unique intellectual property limit its moat to narrow.

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 ASR Nederland NV might have Narrow Moat - Discernible but modest moat.

ASR Nederland NV  (WBO:ASRN) 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

ASR Nederland NV Moat Score Related Terms

WBO:ASRN vs BRK.A, AIG, HIG: Moat Score Comparison

For the Insurance - Diversified subindustry, ASR Nederland 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.

ASR Nederland NV Moat Score vs Insurance Industry

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

* The bar in red indicates where ASR Nederland NV's Moat Score falls into.


WBO:ASRN
62GF Score
ASR Nederland NV WBO:ASRN
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?
ASR Nederland NV (WBO:ASRN) has a Moat Score of 4 as of Jul. 02, 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, ASR Nederland NV ranks #122 out of 599 companies in the Insurance industry, placing it in the top 20.4%.
Is ASR Nederland NV's Moat Score too high?
ASR Nederland NV's current Moat Score is 4. Based on the distribution chart, ASR Nederland NV ranks #122 out of 599 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, ASR Nederland NV has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does ASR Nederland NV's Moat Score compare to BRK.A and AIG?
According to the Insurance industry distribution chart, ASR Nederland NV ranks #122 out of 599 companies for Moat Score. This places ASR Nederland NV 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. ASR Nederland NV'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 ASR Nederland NV stock overvalued right now?
ASR Nederland NV (WBO:ASRN) has a current Moat Score of 4. The stock's GF Value™ is €41.52, compared to a current price of €66.14 — trading 59.3% above its estimated fair value. The current Moat Score is 4. ASR Nederland NV's overall GF Score™ is 62/100 with 12 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 ASR Nederland NV (WBO:ASRN), the current Moat Score is 4 as of Jul. 02, 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 ASR Nederland NV (WBO:ASRN) Overvalued in 2026?

Based on GuruFocus' analysis, ASR Nederland NV stock appears to be overvalued. The current stock price of €66.14 is trading 59.3% above its estimated GF Value™ of €41.52.

Key valuation signals for WBO:ASRN:

  • Moat Score: 4
  • GF Value™: €41.52 vs. price of €66.14 (59.3% above fair value)
  • GF Score™: 62/100 with 12 warning signs

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

ASR Nederland NV Business Description

Address Archimedeslaan 10, P.O. Box 2072, Utrecht, UT, NLD, 3500 HB
ASR Nederland NV is an insurance company. The company offers a variety of insurance policies to its customers. The business segments are Non-life; Life; Banking, Asset Management; Distribution and Services and Holding and Other. The Non-life insurance entities offer Non-life insurance contracts. Its life insurance entities offer financial products such as life insurance contracts and life insurance contracts on behalf of policyholders. The Asset Management segment involves all activities related to asset management including investment property management. Its Distribution and Services segment includes activities related to the distribution of insurance contracts.
62GF Score

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

€66.14
Price
€41.52
GF Value