YB (Yuanbao) Moat Score: 3/10 (As of Jun. 29, 2026)


YB Yuanbao Inc YB
22 GF Score
Price $14.69
! 2 Warning Signs
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What is Yuanbao Moat Score?

Yuanbao YB -1.61% 22 Moat Score is 3 as of Jun. 29, 2026. GuruFocus rates YB with a GF Score™ of 22/100. The stock has 2 warning signs investors should review. Among 2,844 Software companies, Yuanbao ranks better than 84.63% on this metric.

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

Yuanbao has No Moat: Yuanbao Inc lacks significant competitive advantages. It operates in a highly competitive market with no discernible economies of scale, brand strength, or regulatory barriers to entry, resulting in a very weak 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 Yuanbao might have No Moat - Very weak/transient advantages.

Yuanbao  (NAS:YB) 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

Yuanbao Moat Score Related Terms

YB vs VTEX, PAR, PD: Moat Score Comparison

For the Software - Application subindustry, Yuanbao'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.

Yuanbao Moat Score vs Software Industry

For the Software industry and Technology sector, Yuanbao's Moat Score distribution charts can be found below:

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


YB
22GF Score
Yuanbao Inc YB
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?
Yuanbao (YB) has a Moat Score of 3 as of Jun. 29, 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, Yuanbao ranks #437 out of 2844 companies in the Software industry, placing it in the top 15.4%.
Is Yuanbao's Moat Score too high?
Yuanbao's current Moat Score is 3. Based on the distribution chart, Yuanbao ranks #437 out of 2844 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Yuanbao has a GF Score™ of 22/100, reflecting its overall financial health beyond just this single metric.
How does Yuanbao's Moat Score compare to VTEX and PAR?
According to the Software industry distribution chart, Yuanbao ranks #437 out of 2844 companies for Moat Score. This places Yuanbao in the top 15% 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 a Software company?
A good Moat Score depends on the Software 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. Yuanbao'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 Yuanbao stock overvalued right now?
Yuanbao (YB) has a current Moat Score of 3. The current Moat Score is 3. Yuanbao's overall GF Score™ is 22/100 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 Yuanbao (YB), the current Moat Score is 3 as of Jun. 29, 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.

Yuanbao Business Description

Address No. 8 Beichen West Road, Units 1216, 1217, 1218, and 1219, 1st to 14th Floors, Building 2, Chaoyang District, Beijing, CHN, 100101
Yuanbao Inc is a technology-driven online insurance distributor in China. Its engine enables the company to provide customized services for each insurance consumer across personalized recommendation, purchasing, policy management, claim settlements, and post-sale services. The firm's segment comprises Insurance distribution services, System services, and Others. System service is a key revenue contributor that generates revenue from the provision of system services to partnered insurance carriers, which primarily consist of marketing and related analytics services, post-sale support services, and other system services.
22GF Score

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

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