Guaranty Trust Holding Co (FRA:9JO0) Moat Score: 0/10 (As of Jul. 16, 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.
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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:9JO0 Guaranty Trust Holding Co PLC FRA:9JO0
81 GF Score
Price €0.08
GF Value €0.05
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Guaranty Trust Holding Co Moat Score?

Guaranty Trust Holding Co has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Guaranty Trust Holding Co 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 Guaranty Trust Holding Co might have No Moat - No discernible moat.

Guaranty Trust Holding Co  (FRA:9JO0) 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

Guaranty Trust Holding Co Moat Score Related Terms

FRA:9JO0
81GF Score
Guaranty Trust Holding Co PLC FRA:9JO0
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Guaranty Trust Holding Co (FRA:9JO0) Overvalued in 2026?

Based on GuruFocus' analysis, Guaranty Trust Holding Co stock appears to be overvalued. The current stock price of €0.08 is trading 53% above its estimated GF Value™ of €0.05. GuruFocus considers Guaranty Trust Holding Co to be Significantly Overvalued.

Key valuation signals for FRA:9JO0:

  • Moat Score: 0
  • GF Value™: €0.05 vs. price of €0.08 (53% above fair value)
  • GF Score™: 81/100 with 1 warning sign

No single metric tells the full story. See the FRA:9JO0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Guaranty Trust Holding Co Business Description

Other Exchanges GTCO:NigeriaGTCOl:UKGTCO:UK
Address Akin Adesola Street, Plot 635, Victoria Island, Lagos, NGA
Guaranty Trust Holding Co PLC is a multinational financial institution that provides individuals, businesses, private and public institutions across Africa and the United Kingdom with a broad range of market key financial products and services. The company has six reportable segments: Corporate banking which derives maximum revenue, and incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Commercial banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Business banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Retail banking which incorporates private banking services, private customer current accounts, savings deposits; SME banking; and Public sector.
81GF Score

Get the complete analysis for FRA:9JO0

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

€0.08
Price
€0.05
GF Value