Ceejay Finance (BOM:530789) Moat Score: 0/10 (As of Aug. 22, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:530789 Ceejay Finance Ltd BOM:530789
77 GF Score
Price ₹174.45
GF Value ₹212.84
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Ceejay Finance Moat Score?

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

Ceejay Finance 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 Ceejay Finance might have No Moat - No discernible moat.

Ceejay Finance  (BOM:530789) 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

Ceejay Finance Moat Score Related Terms

BOM:530789
77GF Score
Ceejay Finance Ltd BOM:530789
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Ceejay Finance (BOM:530789) Overvalued in 2026?

Based on GuruFocus' analysis, Ceejay Finance stock appears to be undervalued. The current stock price of ₹174.45 is trading 18% below its estimated GF Value™ of ₹212.84. GuruFocus considers Ceejay Finance to be Modestly Undervalued.

Key valuation signals for BOM:530789:

  • Moat Score: 0
  • GF Value™: ₹212.84 vs. price of ₹174.45 (18% below fair value)
  • GF Score™: 77/100 with 5 warning signs

No single metric tells the full story. See the BOM:530789 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ceejay Finance Business Description

Address Shyamal Cross Road, 132 FT. Ring Road, 815-816, ICONIC SHYAMAL, Ahmedabad, GJ, IND, 380015
Ceejay Finance Ltd is a Non- Banking Financial Company operating in India. The company provides customized and flexible loans for new and used two-wheeler vehicles and four-wheeler loans to individuals and small businesses. It also offers Commercial loans, Personal loans, Loans against property, Microfinance loans, SME business loans, and Insurance services. The company's share of revenue comes from the interest amount generated on two-wheeler financing in rural areas. It is engaged in one business segment which is Finance service.
77GF Score

Get the complete analysis for BOM:530789

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

₹174.45
Price
₹212.84
GF Value