BGNMF (Banca Generali) Moat Score: 5/10 (As of Jul. 01, 2026)


BGNMF Banca Generali BGNMF
68 GF Score
Price $66.92
GF Value $49.31
! 7 Warning Signs
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What is Banca Generali Moat Score?

Banca Generali BGNMF +9.92% 68 Moat Score is 5 as of Jul. 01, 2026. GuruFocus rates BGNMF with a GF Score™ of 68/100 and a GF Value™ of $49.31. The stock has 7 warning signs investors should review. Among 1,611 Banks companies, Banca Generali ranks better than 94.04% on this metric.

Banca Generali has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Banca Generali has Narrow Moat: Banca Generali has a solid narrow moat due to its strong brand in Italy and a loyal customer base. However, it lacks the global scale and network effects necessary for 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 Banca Generali might have Narrow Moat - Solid narrow moat.

Banca Generali  (OTCPK:BGNMF) 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

Banca Generali Moat Score Related Terms

Banca Generali Moat Score Competitor Comparison

For the Banks - Regional subindustry, Banca Generali'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.

Banca Generali Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Banca Generali's Moat Score distribution charts can be found below:

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


BGNMF
68GF Score
Banca Generali BGNMF
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 5 mean?
Banca Generali (BGNMF) has a Moat Score of 5 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, Banca Generali ranks #96 out of 1611 companies in the Banks industry, placing it in the top 6%.
Is Banca Generali's Moat Score too high?
Banca Generali's current Moat Score is 5. Based on the distribution chart, Banca Generali ranks #96 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banca Generali has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Banca Generali's Moat Score compare to competitors?
According to the Banks industry distribution chart, Banca Generali ranks #96 out of 1611 companies for Moat Score. This places Banca Generali in the top 6% 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. Banca Generali's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Generali stock overvalued right now?
Banca Generali (BGNMF) has a current Moat Score of 5. The stock's GF Value™ is $49.31, compared to a current price of $66.92 — trading 35.7% above its estimated fair value. The current Moat Score is 5. Banca Generali's overall GF Score™ is 68/100 with 7 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 Banca Generali (BGNMF), the current Moat Score is 5 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 Banca Generali (BGNMF) Overvalued in 2026?

Based on GuruFocus' analysis, Banca Generali stock appears to be overvalued. The current stock price of $66.92 is trading 35.7% above its estimated GF Value™ of $49.31.

Key valuation signals for BGNMF:

  • Moat Score: 5
  • GF Value™: $49.31 vs. price of $66.92 (35.7% above fair value)
  • GF Score™: 68/100 with 7 warning signs

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

Banca Generali Business Description

Address Piazza Tre Torri 1, Milan, ITA, 20145
Banca Generali is a private bank that supports clients in the care and protection of assets with innovative and sustainability-oriented solutions. It is involved in financial planning and asset protection of clients. It offers services such as Home Banking; Online Trading; Mobile and Wearable Payments and C-less debit and credit cards; Investment services and wealth management services. The company has more than 45 branches and 170 offices in the main Italian cities.
68GF Score

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

$66.92
Price
$49.31
GF Value