Helvetia Baloise Holding AG (XSWX:HBAN) Moat Score: 3/10 (As of Jul. 01, 2026)


XSWX:HBAN Helvetia Baloise Holding AG XSWX:HBAN
81 GF Score
Price CHF206.60
GF Value CHF185.33
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Helvetia Baloise Holding AG Moat Score?

Helvetia Baloise Holding AG XSWX:HBAN -0.96% 81 Moat Score is 3 as of Jul. 01, 2026. GuruFocus rates XSWX:HBAN with a GF Score™ of 81/100 and a GF Value™ of CHF185.33 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 600 Insurance companies, Helvetia Baloise Holding AG ranks better than 72.67% on this metric.

Helvetia Baloise Holding AG has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Helvetia Baloise Holding AG has No Moat: Helvetia Baloise Holding AG has very weak competitive advantages. It lacks significant market leadership, network effects, or regulatory barriers. The company's brand strength and customer loyalty are not sufficient to establish a durable 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 Helvetia Baloise Holding AG might have No Moat - Very weak/transient advantages.

Helvetia Baloise Holding AG  (XSWX:HBAN) 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

Helvetia Baloise Holding AG Moat Score Related Terms

XSWX:HBAN vs BRK.A, AIG, HIG: Moat Score Comparison

For the Insurance - Diversified subindustry, Helvetia Baloise Holding 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.

Helvetia Baloise Holding AG Moat Score vs Insurance Industry

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

* The bar in red indicates where Helvetia Baloise Holding AG's Moat Score falls into.


XSWX:HBAN
81GF Score
Helvetia Baloise Holding AG XSWX:HBAN
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 3 mean?
Helvetia Baloise Holding AG (XSWX:HBAN) has a Moat Score of 3 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, Helvetia Baloise Holding AG ranks #164 out of 600 companies in the Insurance industry, placing it in the top 27.3%.
Is Helvetia Baloise Holding AG's Moat Score too high?
Helvetia Baloise Holding AG's current Moat Score is 3. Based on the distribution chart, Helvetia Baloise Holding AG ranks #164 out of 600 companies in the Insurance industry, which is above the industry midpoint. Overall, Helvetia Baloise Holding AG has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helvetia Baloise Holding AG's Moat Score compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Helvetia Baloise Holding AG ranks #164 out of 600 companies for Moat Score. This puts Helvetia Baloise Holding AG in the upper half of its industry. 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. Helvetia Baloise Holding AG's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Helvetia Baloise Holding AG stock overvalued right now?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG (XSWX:HBAN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF185.33, compared to a current price of CHF206.60 — trading 11.5% above its estimated fair value. The current Moat Score is 3. Helvetia Baloise Holding AG's overall GF Score™ is 81/100 with 5 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 Helvetia Baloise Holding AG (XSWX:HBAN), the current Moat Score is 3 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 Helvetia Baloise Holding AG (XSWX:HBAN) Overvalued in 2026?

Based on GuruFocus' analysis, Helvetia Baloise Holding AG stock appears to be overvalued. The current stock price of CHF206.60 is trading 11.5% above its estimated GF Value™ of CHF185.33. GuruFocus considers Helvetia Baloise Holding AG to be Modestly Overvalued.

Key valuation signals for XSWX:HBAN:

  • Moat Score: 3
  • GF Value™: CHF185.33 vs. price of CHF206.60 (11.5% above fair value)
  • GF Score™: 81/100 with 5 warning signs

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

Helvetia Baloise Holding AG Business Description

Address Aeschengraben 21, Basel, CHE, CH-4051
Helvetia Baloise Holding AG is a multi-line insurance company. The company provides pension, specialty insurance and reinsurance services, and other financial solutions. The company represents it's seven reportable segments namely Switzerland, Spain, Germany, Belgium, Luxembourg, Italian and Austrian Markets, Specialty Markets, and Corporate and other. Company generates majority revenue from Switzerland business segment.
81GF Score

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

CHF206.60
Price
CHF185.33
GF Value