ZFSVF (Zurich Insurance Group AG) Moat Score: 7/10 (As of Jun. 27, 2026)


ZFSVF Zurich Insurance Group AG ZFSVF
74 GF Score
Price $724.33
GF Value $573.70
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Zurich Insurance Group AG Moat Score?

Zurich Insurance Group AG ZFSVF -0.23% 74 Moat Score is 7 as of Jun. 27, 2026. GuruFocus rates ZFSVF with a GF Score™ of 74/100 and a GF Value™ of $573.70 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 596 Insurance companies, Zurich Insurance Group AG ranks better than 98.99% on this metric.

Zurich Insurance Group AG has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Zurich Insurance Group AG has Wide Moat: Zurich Insurance benefits from significant regulatory barriers, a strong brand, and a vast distribution network. Its economies of scale and customer loyalty provide durable cost advantages and pricing power, justifying a wide 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 Zurich Insurance Group AG might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Zurich Insurance Group AG  (OTCPK:ZFSVF) 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

Zurich Insurance Group AG Moat Score Related Terms

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

For the Insurance - Diversified subindustry, Zurich Insurance Group 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.

Zurich Insurance Group AG Moat Score vs Insurance Industry

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

* The bar in red indicates where Zurich Insurance Group AG's Moat Score falls into.


ZFSVF
74GF Score
Zurich Insurance Group AG ZFSVF
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 7 mean?
Zurich Insurance Group AG (ZFSVF) has a Moat Score of 7 as of Jun. 27, 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, Zurich Insurance Group AG ranks #6 out of 596 companies in the Insurance industry, placing it in the top 1%.
Is Zurich Insurance Group AG's Moat Score too high?
Zurich Insurance Group AG's current Moat Score is 7. Based on the distribution chart, Zurich Insurance Group AG ranks #6 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Zurich Insurance Group AG has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zurich Insurance Group AG's Moat Score compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Zurich Insurance Group AG ranks #6 out of 596 companies for Moat Score. This places Zurich Insurance Group AG in the top 1% 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. Zurich Insurance Group AG's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zurich Insurance Group AG stock overvalued right now?
Based on GuruFocus' analysis, Zurich Insurance Group AG (ZFSVF) is currently considered Modestly Overvalued. The stock's GF Value™ is $573.70, compared to a current price of $724.33 — trading 26.3% above its estimated fair value. The current Moat Score is 7. Zurich Insurance Group AG's overall GF Score™ is 74/100 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 Zurich Insurance Group AG (ZFSVF), the current Moat Score is 7 as of Jun. 27, 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 Zurich Insurance Group AG (ZFSVF) Overvalued in 2026?

Based on GuruFocus' analysis, Zurich Insurance Group AG stock appears to be overvalued. The current stock price of $724.33 is trading 26.3% above its estimated GF Value™ of $573.70. GuruFocus considers Zurich Insurance Group AG to be Modestly Overvalued.

Key valuation signals for ZFSVF:

  • Moat Score: 7
  • GF Value™: $573.70 vs. price of $724.33 (26.3% above fair value)
  • GF Score™: 74/100 with 5 warning signs

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

Zurich Insurance Group AG Business Description

Address Mythenquai 2, Corporate Center, Zurich, CHE, 8002
Zurich is a multiline insurer that writes business across both life and nonlife insurance and also owns Farmers Management Services. Zurich was founded in 1872 as a marine reinsurer to provide reinsurance to its parent company. The company subsequently expanded into transport and accident insurance and rode the wave of transport technology innovation that drove rising demand for insurance. One of Zurich's early principles was that setting prices too low would result in unfair claims handling, which would be damaging to both customers and Zurich. Over the years, Zurich has sought to combine customer goodwill through claims and a sufficient premium. Zurich is one of the most successful European multilines.
74GF Score

Get the complete analysis for ZFSVF

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

$724.33
Price
$573.70
GF Value