MyState (ASX:MYS) Moat Score: 0/10 (As of Jul. 12, 2026)


ASX:MYS MyState Ltd ASX:MYS
64 GF Score
Price A$4.75
GF Value A$4.14
Valuation Modestly Overvalued
! 9 Warning Signs
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What is MyState Moat Score?

MyState has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

MyState has

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 MyState might have No Moat - No discernible moat.

MyState  (ASX:MYS) 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

MyState Moat Score Related Terms

ASX:MYS
64GF Score
MyState Ltd ASX:MYS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is MyState (ASX:MYS) Overvalued in 2026?

Based on GuruFocus' analysis, MyState stock appears to be overvalued. The current stock price of A$4.75 is trading 14.7% above its estimated GF Value™ of A$4.14. GuruFocus considers MyState to be Modestly Overvalued.

Key valuation signals for ASX:MYS:

  • Moat Score: 0
  • GF Value™: A$4.14 vs. price of A$4.75 (14.7% above fair value)
  • GF Score™: 64/100 with 9 warning signs

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

MyState Business Description

Address 137 Harrington Street, Level 2, Hobart, TAS, AUS, 7000
MyState Limited is a Tasmania-based financial company that provides banking, trustee, and funds management services. The company generates the vast majority of its profit from its banking business, which provides a range of financial services including home and personal loans, credit and debit cards, and equipment finance. Home loans account for the vast majority of its loan book. The funds management segment provides trustee and funds management services through the subsidiary TPT Wealth.
64GF Score

Get the complete analysis for ASX:MYS

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

A$4.75
Price
A$4.14
GF Value