RFA Financial (FRA:5G6) Moat Score: 4/10 (As of Jul. 14, 2026)

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FRA:5G6 RFA Financial Inc FRA:5G6
58 GF Score
Price €16.05
GF Value €8.97
! 9 Warning Signs
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What is RFA Financial Moat Score?

RFA Financial FRA:5G6 +200.00% 58 Moat Score is 4 as of Jul. 14, 2026. GuruFocus rates FRA:5G6 with a GF Score™ of 58/100 and a GF Value™ of €8.97. The stock has 9 warning signs investors should review. Among 984 REITs companies, RFA Financial ranks better than 87.09% on this metric.

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

RFA Financial has Narrow Moat: Artis Real Estate Investment Trust has a modest moat due to its established market presence and some cost advantages in property management. However, it lacks strong brand strength, significant regulatory barriers, or intellectual property, limiting its competitive edge.

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 RFA Financial might have Narrow Moat - Discernible but modest moat.

RFA Financial  (FRA:5G6) 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

RFA Financial Moat Score Related Terms

FRA:5G6 vs VICI, WPC, BNL: Moat Score Comparison

For the REIT - Diversified subindustry, RFA Financial'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.

RFA Financial Moat Score vs REITs Industry

For the REITs industry and Real Estate sector, RFA Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where RFA Financial's Moat Score falls into.


FRA:5G6
58GF Score
RFA Financial Inc FRA:5G6
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?
RFA Financial (FRA:5G6) has a Moat Score of 4 as of Jul. 14, 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, RFA Financial ranks #127 out of 984 companies in the REITs industry, placing it in the top 12.9%.
Is RFA Financial's Moat Score too high?
RFA Financial's current Moat Score is 4. Based on the distribution chart, RFA Financial ranks #127 out of 984 companies in the REITs industry, which is in the top quartile — a strong position relative to peers. Overall, RFA Financial has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does RFA Financial's Moat Score compare to VICI and WPC?
According to the REITs industry distribution chart, RFA Financial ranks #127 out of 984 companies for Moat Score. This places RFA Financial in the top 13% 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 REITs company?
A good Moat Score depends on the REITs 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. RFA Financial'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 RFA Financial stock overvalued right now?
RFA Financial (FRA:5G6) has a current Moat Score of 4. The stock's GF Value™ is €8.97, compared to a current price of €16.05 — trading 79% above its estimated fair value. The current Moat Score is 4. RFA Financial's overall GF Score™ is 58/100 with 9 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 RFA Financial (FRA:5G6), the current Moat Score is 4 as of Jul. 14, 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 RFA Financial (FRA:5G6) Overvalued in 2026?

Based on GuruFocus' analysis, RFA Financial stock appears to be overvalued. The current stock price of €16.05 is trading 79% above its estimated GF Value™ of €8.97.

Key valuation signals for FRA:5G6:

  • Moat Score: 4
  • GF Value™: €8.97 vs. price of €16.05 (79% above fair value)
  • GF Score™: 58/100 with 9 warning signs

No single metric tells the full story. See the FRA:5G6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

RFA Financial Business Description

Industry Real EstateREITs
Address 145 King Street West, Suite 300, Toronto, ON, CAN, M5H 1J8
RFA Financial Inc is a scaled and dynamic financial service platform positioned as an intersection of banking, mortgage, origination, and real estate. It aims to deliver long-term value through an integrated approach to banking and mortgage lending, with a focus on competitive, consumer-focused financial products.
58GF Score

Get the complete analysis for FRA:5G6

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

€16.05
Price
€8.97
GF Value