AJ Bell (FRA:3FY) Moat Score: 0/10 (As of Jul. 14, 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.

FRA:3FY AJ Bell PLC FRA:3FY
97 GF Score
Price €6.90
GF Value €6.67
Valuation Fairly Valued
! 4 Warning Signs
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What is AJ Bell Moat Score?

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

AJ Bell 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 AJ Bell might have No Moat - No discernible moat.

AJ Bell  (FRA:3FY) 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

AJ Bell Moat Score Related Terms

FRA:3FY
97GF Score
AJ Bell PLC FRA:3FY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is AJ Bell (FRA:3FY) Overvalued in 2026?

Based on GuruFocus' analysis, AJ Bell stock appears to be overvalued. The current stock price of €6.90 is trading 3.4% above its estimated GF Value™ of €6.67. GuruFocus considers AJ Bell to be Fairly Valued.

Key valuation signals for FRA:3FY:

  • Moat Score: 0
  • GF Value™: €6.67 vs. price of €6.90 (3.4% above fair value)
  • GF Score™: 97/100 with 4 warning signs

No single metric tells the full story. See the FRA:3FY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

AJ Bell Business Description

Other Exchanges AJBl:UKAJB:UK
Address 4 Exchange Quay, Salford Quays, Manchester, GBR, M5 3EE
AJ Bell PLC is an investment platform in the United Kingdom. The Group has a single operating segment, being investment services in the advised and D2C space, administering investments in SIPPs, ISAs, and General Investment / Dealing Accounts. SIPPs and ISAs, Lifetime ISA, and junior products. The company generates revenue from recurring ad valorem, which includes custody fees, interest income, and investment management fees, and transactional. The company earns its revenue from its domicile country United Kingdom.
97GF Score

Get the complete analysis for FRA:3FY

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

€6.90
Price
€6.67
GF Value