Propel Holdings (FRA:8KO) Moat Score: 3/10 (As of Jul. 15, 2026)

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FRA:8KO Propel Holdings Inc FRA:8KO
68 GF Score
Price €15.70
GF Value €19.46
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Propel Holdings Moat Score?

Propel Holdings FRA:8KO 68 Moat Score is 3 as of Jul. 15, 2026. GuruFocus rates FRA:8KO with a GF Score™ of 68/100 and a GF Value™ of €19.46 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 566 Credit Services companies, Propel Holdings ranks better than 91.34% on this metric.

Propel Holdings has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Propel Holdings has No Moat: Propel Holdings Inc lacks significant market leadership or unique competitive advantages. The company does not exhibit strong brand strength, customer loyalty, or significant regulatory barriers. Its market share is not substantial enough to create a durable 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 Propel Holdings might have No Moat - Very weak/transient advantages.

Propel Holdings  (FRA:8KO) 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

Propel Holdings Moat Score Related Terms

FRA:8KO vs V, MA, AXP: Moat Score Comparison

For the Credit Services subindustry, Propel Holdings'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.

Propel Holdings Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Propel Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Propel Holdings's Moat Score falls into.


FRA:8KO
68GF Score
Propel Holdings Inc FRA:8KO
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 3 mean?
Propel Holdings (FRA:8KO) has a Moat Score of 3 as of Jul. 15, 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, Propel Holdings ranks #49 out of 566 companies in the Credit Services industry, placing it in the top 8.7%.
Is Propel Holdings' Moat Score too high?
Propel Holdings' current Moat Score is 3. Based on the distribution chart, Propel Holdings ranks #49 out of 566 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Propel Holdings has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Propel Holdings' Moat Score compare to V and MA?
According to the Credit Services industry distribution chart, Propel Holdings ranks #49 out of 566 companies for Moat Score. This places Propel Holdings in the top 9% 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 Credit Services company?
A good Moat Score depends on the Credit Services 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. Propel Holdings's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Propel Holdings stock overvalued right now?
Based on GuruFocus' analysis, Propel Holdings (FRA:8KO) is currently considered Modestly Undervalued. The stock's GF Value™ is €19.46, compared to a current price of €15.70 — trading 19.3% below its estimated fair value. The current Moat Score is 3. Propel Holdings' overall GF Score™ is 68/100 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 Propel Holdings (FRA:8KO), the current Moat Score is 3 as of Jul. 15, 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 Propel Holdings (FRA:8KO) Overvalued in 2026?

Based on GuruFocus' analysis, Propel Holdings stock appears to be undervalued. The current stock price of €15.70 is trading 19.3% below its estimated GF Value™ of €19.46. GuruFocus considers Propel Holdings to be Modestly Undervalued.

Key valuation signals for FRA:8KO:

  • Moat Score: 3
  • GF Value™: €19.46 vs. price of €15.70 (19.3% below fair value)
  • GF Score™: 68/100 with 5 warning signs

No single metric tells the full story. See the FRA:8KO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Propel Holdings Business Description

Address 69 Yonge Street, Suite 1500, Toronto, ON, CAN, M5E 1K3
Propel Holdings Inc is a financial technology (fintech) company, committed to credit inclusion by facilitating fair, fast, and transparent access to credit through its proprietary, online lending platform. All the firm's operations are conducted through its consumer-facing brands: MoneyKey, CreditFresh, Fora Credit, and QuidMarket.
68GF Score

Get the complete analysis for FRA:8KO

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

€15.70
Price
€19.46
GF Value