FNBKY (FinecoBank SpA) Moat Score: 6/10 (As of Jul. 03, 2026)


FNBKY FinecoBank SpA FNBKY
73 GF Score
Price $49.55
GF Value $39.41
Valuation Modestly Overvalued
! 5 Warning Signs
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What is FinecoBank SpA Moat Score?

FinecoBank SpA FNBKY 73 Moat Score is 6 as of Jul. 03, 2026. GuruFocus rates FNBKY with a GF Score™ of 73/100 and a GF Value™ of $39.41 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, FinecoBank SpA ranks better than 97.83% on this metric.

FinecoBank SpA has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

FinecoBank SpA has Narrow Moat: FinecoBank SpA has a strong narrow moat due to its robust digital banking platform, customer loyalty, and brand strength in Italy. It benefits from economies of scale and switching costs, but lacks the global scale and regulatory barriers 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 FinecoBank SpA might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

FinecoBank SpA  (OTCPK:FNBKY) 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

FinecoBank SpA Moat Score Related Terms

FinecoBank SpA Moat Score Competitor Comparison

For the Banks - Regional subindustry, FinecoBank SpA'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.

FinecoBank SpA Moat Score vs Banks Industry

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

* The bar in red indicates where FinecoBank SpA's Moat Score falls into.


FNBKY
73GF Score
FinecoBank SpA FNBKY
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 6 mean?
FinecoBank SpA (FNBKY) has a Moat Score of 6 as of Jul. 03, 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, FinecoBank SpA ranks #35 out of 1611 companies in the Banks industry, placing it in the top 2.2%.
Is FinecoBank SpA's Moat Score too high?
FinecoBank SpA's current Moat Score is 6. Based on the distribution chart, FinecoBank SpA ranks #35 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, FinecoBank SpA has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FinecoBank SpA's Moat Score compare to competitors?
According to the Banks industry distribution chart, FinecoBank SpA ranks #35 out of 1611 companies for Moat Score. This places FinecoBank SpA in the top 2% 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. FinecoBank SpA's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FinecoBank SpA stock overvalued right now?
Based on GuruFocus' analysis, FinecoBank SpA (FNBKY) is currently considered Modestly Overvalued. The stock's GF Value™ is $39.41, compared to a current price of $49.55 — trading 25.7% above its estimated fair value. The current Moat Score is 6. FinecoBank SpA's overall GF Score™ is 73/100 with 5 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 FinecoBank SpA (FNBKY), the current Moat Score is 6 as of Jul. 03, 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 FinecoBank SpA (FNBKY) Overvalued in 2026?

Based on GuruFocus' analysis, FinecoBank SpA stock appears to be overvalued. The current stock price of $49.55 is trading 25.7% above its estimated GF Value™ of $39.41. GuruFocus considers FinecoBank SpA to be Modestly Overvalued.

Key valuation signals for FNBKY:

  • Moat Score: 6
  • GF Value™: $39.41 vs. price of $49.55 (25.7% above fair value)
  • GF Score™: 73/100 with 5 warning signs

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

FinecoBank SpA Business Description

Address Piazza Durante, 11, Milan, ITA, 20131
FinecoBank SpA is a FinTech bank based in Italy, offering its services through a network of personal financial advisors and online and mobile channels that operate in an integrated manner. The Group's offerings are divided into three product areas: Banking, Brokerage, and Investing. Maximum revenue is generated from Banking activities, which include current account services, payment services, and the issuance of debit, credit, and prepaid cards, mortgages, overdrafts, and personal loans. The Brokerage category offers order execution services on behalf of the customer, and trading access to CFDs, futures, options, bonds, ETFs, and certificates; and Investing includes the asset management activities of the Group, its investment advisory services, and various investment products offerings.
73GF Score

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$49.55
Price
$39.41
GF Value