BKRIY (Bank of Ireland Group) Moat Score: 5/10 (As of Jul. 04, 2026)


BKRIY Bank of Ireland Group PLC BKRIY
69 GF Score
Price $19.86
GF Value $12.44
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Bank of Ireland Group Moat Score?

Bank of Ireland Group BKRIY -0.30% 69 Moat Score is 5 as of Jul. 04, 2026. GuruFocus rates BKRIY with a GF Score™ of 69/100 and a GF Value™ of $12.44 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,611 Banks companies, Bank of Ireland Group ranks better than 94.04% on this metric.

Bank of Ireland Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Bank of Ireland Group has Narrow Moat: Bank of Ireland Group PLC has a solid narrow moat with a strong market presence in Ireland and some regulatory barriers. The bank benefits from economies of scale and moderate customer loyalty, but lacks significant brand strength and pricing power.

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 Bank of Ireland Group might have Narrow Moat - Solid narrow moat.

Bank of Ireland Group  (OTCPK:BKRIY) 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

Bank of Ireland Group Moat Score Related Terms

BKRIY vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Bank of Ireland Group'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.

Bank of Ireland Group Moat Score vs Banks Industry

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

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


BKRIY
69GF Score
Bank of Ireland Group PLC BKRIY
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?
Bank of Ireland Group (BKRIY) has a Moat Score of 5 as of Jul. 04, 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, Bank of Ireland Group ranks #96 out of 1611 companies in the Banks industry, placing it in the top 6%.
Is Bank of Ireland Group's Moat Score too high?
Bank of Ireland Group's current Moat Score is 5. Based on the distribution chart, Bank of Ireland Group ranks #96 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Ireland Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Ireland Group's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Bank of Ireland Group ranks #96 out of 1611 companies for Moat Score. This places Bank of Ireland Group 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. Bank of Ireland Group'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 Bank of Ireland Group stock overvalued right now?
Based on GuruFocus' analysis, Bank of Ireland Group (BKRIY) is currently considered Significantly Overvalued. The stock's GF Value™ is $12.44, compared to a current price of $19.86 — trading 59.6% above its estimated fair value. The current Moat Score is 5. Bank of Ireland Group's overall GF Score™ is 69/100 with 6 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 Bank of Ireland Group (BKRIY), the current Moat Score is 5 as of Jul. 04, 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 Bank of Ireland Group (BKRIY) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Ireland Group stock appears to be overvalued. The current stock price of $19.86 is trading 59.6% above its estimated GF Value™ of $12.44. GuruFocus considers Bank of Ireland Group to be Significantly Overvalued.

Key valuation signals for BKRIY:

  • Moat Score: 5
  • GF Value™: $12.44 vs. price of $19.86 (59.6% above fair value)
  • GF Score™: 69/100 with 6 warning signs

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

Bank of Ireland Group Business Description

Address 2 College Green, Dublin, IRL, D02 VR66
Bank of Ireland Group PLC is an Irish financial services group operating mostly in Ireland and the United Kingdom. Services include mortgages, business, and corporate lending, term loans, leasing, foreign exchange, life assurance, and pension products, among others. The bank's trading divisions include Retail Ireland, Wealth and Insurance, Retail UK, Corporate and Commercial , and Group Centre. The bank generates the majority of its revenue from Retail Ireland and serves consumer and business customers across a broad range of segments and sectors. Revenue is also derived from fees for a range of banking and transaction services. The bank has access to distribution in the United Kingdom via its relationship as a financial services partner with the nation's post office.
69GF Score

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

$19.86
Price
$12.44
GF Value