Manx Financial Group (FRA:3IM) Moat Score: 0/10 (As of Jul. 03, 2026)


FRA:3IM Manx Financial Group PLC FRA:3IM
46 GF Score
Price €0.30
GF Value €0.27
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Manx Financial Group Moat Score?

Manx Financial Group has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Manx Financial Group 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 Manx Financial Group might have No Moat - No discernible moat.

Manx Financial Group  (FRA:3IM) 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

Manx Financial Group Moat Score Related Terms

FRA:3IM
46GF Score
Manx Financial Group PLC FRA:3IM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Manx Financial Group (FRA:3IM) Overvalued in 2026?

Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued. The current stock price of €0.30 is trading 12.6% above its estimated GF Value™ of €0.27. GuruFocus considers Manx Financial Group to be Modestly Overvalued.

Key valuation signals for FRA:3IM:

  • Moat Score: 0
  • GF Value™: €0.27 vs. price of €0.30 (12.6% above fair value)
  • GF Score™: 46/100 with 4 warning signs

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

Manx Financial Group Business Description

Other Exchanges MFX:UK
Address Victoria Street, Clarendon House, Douglas, IMN, IM1 2LN
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
46GF Score

Get the complete analysis for FRA:3IM

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

€0.30
Price
€0.27
GF Value