ECNCF (ECN Capital) Moat Score: 4/10 (As of Jul. 01, 2026)


ECNCF ECN Capital Corp ECNCF
46 GF Score
Price $2.26
GF Value $2.41
! 6 Warning Signs
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What is ECN Capital Moat Score?

ECN Capital ECNCF +0.40% 46 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates ECNCF with a GF Score™ of 46/100 and a GF Value™ of $2.41. The stock has 6 warning signs investors should review. Among 1,611 Banks companies, ECN Capital ranks better than 86.22% on this metric.

ECN Capital has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

ECN Capital has Narrow Moat: ECN Capital Corp has a discernible but modest moat due to its niche market position and some customer loyalty. However, it lacks strong network effects, significant intellectual property, or regulatory barriers that would enhance 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 ECN Capital might have Narrow Moat - Discernible but modest moat.

ECN Capital  (OTCPK:ECNCF) 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

ECN Capital Moat Score Related Terms

ECNCF vs RKT, FNMA, PFSI: Moat Score Comparison

For the Mortgage Finance subindustry, ECN Capital'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.

ECN Capital Moat Score vs Banks Industry

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

* The bar in red indicates where ECN Capital's Moat Score falls into.


ECNCF
46GF Score
ECN Capital Corp ECNCF
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 4 mean?
ECN Capital (ECNCF) has a Moat Score of 4 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, ECN Capital ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is ECN Capital's Moat Score too high?
ECN Capital's current Moat Score is 4. Based on the distribution chart, ECN Capital ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, ECN Capital has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does ECN Capital's Moat Score compare to RKT and FNMA?
According to the Banks industry distribution chart, ECN Capital ranks #222 out of 1611 companies for Moat Score. This places ECN Capital in the top 14% 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. ECN Capital's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ECN Capital stock overvalued right now?
ECN Capital (ECNCF) has a current Moat Score of 4. The stock's GF Value™ is $2.41, compared to a current price of $2.26 — trading 6.2% below its estimated fair value. The current Moat Score is 4. ECN Capital's overall GF Score™ is 46/100 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 ECN Capital (ECNCF), the current Moat Score is 4 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 ECN Capital (ECNCF) Overvalued in 2026?

Based on GuruFocus' analysis, ECN Capital stock appears to be undervalued. The current stock price of $2.26 is trading 6.2% below its estimated GF Value™ of $2.41.

Key valuation signals for ECNCF:

  • Moat Score: 4
  • GF Value™: $2.41 vs. price of $2.26 (6.2% below fair value)
  • GF Score™: 46/100 with 6 warning signs

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

ECN Capital Business Description

Address 199 Bay Street, Suite 4000, Commerce Court West, Toronto, ON, CAN, M5L 1A9
ECN Capital Corp is a financial business service provider. The group originates, manages, and advises on credit assets on behalf of its partners, specifically consumer loans and commercial loans. Its operating segments are: Manufactured Housing Finance and Recreational Vehicle and Marine (RV and Marine) Finance. The group generates maximum revenue from the Manufactured Housing Finance segment.
46GF Score

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

$2.26
Price
$2.41
GF Value