PT Bank Permata Tbk (FRA:85C) Moat Score: 0/10 (As of Jul. 04, 2026)


FRA:85C PT Bank Permata Tbk FRA:85C
48 GF Score
Price €0.11
GF Value €0.05
Valuation Significantly Overvalued
! 2 Warning Signs
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What is PT Bank Permata Tbk Moat Score?

PT Bank Permata Tbk has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

PT Bank Permata Tbk 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 PT Bank Permata Tbk might have No Moat - No discernible moat.

PT Bank Permata Tbk  (FRA:85C) 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

PT Bank Permata Tbk Moat Score Related Terms

FRA:85C
48GF Score
PT Bank Permata Tbk FRA:85C
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PT Bank Permata Tbk (FRA:85C) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Permata Tbk stock appears to be overvalued. The current stock price of €0.11 is trading 114% above its estimated GF Value™ of €0.05. GuruFocus considers PT Bank Permata Tbk to be Significantly Overvalued.

Key valuation signals for FRA:85C:

  • Moat Score: 0
  • GF Value™: €0.05 vs. price of €0.11 (114% above fair value)
  • GF Score™: 48/100 with 2 warning signs

No single metric tells the full story. See the FRA:85C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Bank Permata Tbk Business Description

Other Exchanges BNLI:Indonesia85C:Germany
Address Jalan Jenderal Sudirman Kavling 29-31, World Trade Center II, Building WTC II, Jakarta, IDN, 12920
PT Bank Permata Tbk is a private bank engaged in offering financial products and services especially in the hand-delivery channel including Internet Banking and Mobile Banking. The bank focuses on Consumer banking, Corporate banking, Commercial banking and Others segments.
48GF Score

Get the complete analysis for FRA:85C

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

€0.11
Price
€0.05
GF Value