Commonwealth Bank of Australia (ASX:STWIYA) Moat Score: 8/10 (As of Jun. 26, 2026)


What is Commonwealth Bank of Australia Moat Score?

Commonwealth Bank of Australia ASX:STWIYA 65 Moat Score is 8 as of Jun. 26, 2026. GuruFocus rates ASX:STWIYA with a GF Score™ of 65/100. The stock has 2 warning signs investors should review. Among 1,610 Banks companies, Commonwealth Bank of Australia ranks better than 99.88% on this metric.

Commonwealth Bank of Australia has the Moat Score of 8, which implies that the company might have Wide Moat - Clear and robust wide moat.

Commonwealth Bank of Australia has Wide Moat: Commonwealth Bank of Australia benefits from strong brand strength, significant customer switching costs, and a robust distribution network. Its market leadership in Australia and durable cost advantages through economies of scale contribute to its wide moat. The bank's regulatory barriers and pricing power further solidify its competitive position.

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 Commonwealth Bank of Australia might have Wide Moat - Clear and robust wide moat.

Commonwealth Bank of Australia  (ASX:STWIYA) 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

Commonwealth Bank of Australia Moat Score Related Terms

ASX:STWIYA vs JPM, BAC, WFC: Moat Score Comparison

For the Banks - Diversified subindustry, Commonwealth Bank of Australia'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.

Commonwealth Bank of Australia Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Commonwealth Bank of Australia's Moat Score distribution charts can be found below:

* The bar in red indicates where Commonwealth Bank of Australia's Moat Score falls into.


Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 8 mean?
Commonwealth Bank of Australia (ASX:STWIYA) has a Moat Score of 8 as of Jun. 26, 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, Commonwealth Bank of Australia ranks #2 out of 1610 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Commonwealth Bank of Australia's Moat Score too high?
Commonwealth Bank of Australia's current Moat Score is 8. Based on the distribution chart, Commonwealth Bank of Australia ranks #2 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Commonwealth Bank of Australia has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Commonwealth Bank of Australia's Moat Score compare to JPM and BAC?
According to the Banks industry distribution chart, Commonwealth Bank of Australia ranks #2 out of 1610 companies for Moat Score. This places Commonwealth Bank of Australia in the top 0% 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 Banks company?
A good Moat Score depends on the Banks 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. Commonwealth Bank of Australia's current Moat Score is 8. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Commonwealth Bank of Australia stock overvalued right now?
Commonwealth Bank of Australia (ASX:STWIYA) has a current Moat Score of 8. The current Moat Score is 8. Commonwealth Bank of Australia's overall GF Score™ is 65/100 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 Commonwealth Bank of Australia (ASX:STWIYA), the current Moat Score is 8 as of Jun. 26, 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.

Commonwealth Bank of Australia Business Description

Address 11 Harbour Street, Commonwealth Bank Place South, Level 1, Sydney, NSW, AUS, 2000
Commonwealth Bank is Australia's largest bank with operations spanning Australia, New Zealand, and Asia. Its core business is the provision of retail, business, and institutional banking services. The bank has emphasized its focus on banking in recent years with a numbers of asset divestments in wealth management and insurance.