OFX Group (FRA:OFZ) Moat Score: 4/10 (As of Jun. 25, 2026)


FRA:OFZ OFX Group Ltd FRA:OFZ
85 GF Score
Price €0.35
GF Value €0.82
! 3 Warning Signs
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What is OFX Group Moat Score?

OFX Group FRA:OFZ +3.57% 85 Moat Score is 4 as of Jun. 25, 2026. GuruFocus rates FRA:OFZ with a GF Score™ of 85/100 and a GF Value™ of €0.82. The stock has 3 warning signs investors should review. Among 838 Capital Markets companies, OFX Group ranks better than 92.72% on this metric.

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

OFX Group has Narrow Moat: OFX Group Ltd has a modest moat due to its niche market position and some customer loyalty. However, it lacks significant network effects, intellectual property, or regulatory barriers to elevate it beyond a modest 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 OFX Group might have Narrow Moat - Discernible but modest moat.

OFX Group  (FRA:OFZ) 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

OFX Group Moat Score Related Terms

FRA:OFZ vs MS, GS, SCHW: Moat Score Comparison

For the Capital Markets subindustry, OFX Group'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.

OFX Group Moat Score vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, OFX Group's Moat Score distribution charts can be found below:

* The bar in red indicates where OFX Group's Moat Score falls into.


FRA:OFZ
85GF Score
OFX Group Ltd FRA:OFZ
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?
OFX Group (FRA:OFZ) has a Moat Score of 4 as of Jun. 25, 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, OFX Group ranks #61 out of 838 companies in the Capital Markets industry, placing it in the top 7.3%.
Is OFX Group's Moat Score too high?
OFX Group's current Moat Score is 4. Based on the distribution chart, OFX Group ranks #61 out of 838 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, OFX Group has a GF Score™ of 85/100, reflecting its overall financial health beyond just this single metric.
How does OFX Group's Moat Score compare to MS and GS?
According to the Capital Markets industry distribution chart, OFX Group ranks #61 out of 838 companies for Moat Score. This places OFX Group in the top 7% 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 Capital Markets company?
A good Moat Score depends on the Capital Markets 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. OFX Group'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 OFX Group stock overvalued right now?
OFX Group (FRA:OFZ) has a current Moat Score of 4. The stock's GF Value™ is €0.82, compared to a current price of €0.35 — trading 57.6% below its estimated fair value. The current Moat Score is 4. OFX Group's overall GF Score™ is 85/100 with 3 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 OFX Group (FRA:OFZ), the current Moat Score is 4 as of Jun. 25, 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 OFX Group (FRA:OFZ) Overvalued in 2026?

Based on GuruFocus' analysis, OFX Group stock appears to be undervalued. The current stock price of €0.35 is trading 57.6% below its estimated GF Value™ of €0.82.

Key valuation signals for FRA:OFZ:

  • Moat Score: 4
  • GF Value™: €0.82 vs. price of €0.35 (57.6% below fair value)
  • GF Score™: 85/100 with 3 warning signs

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

OFX Group Business Description

Address 60 Margaret Street, Level 19, Sydney, NSW, AUS, 2000
OFX Group Ltd is a low-cost international multicurrency payments provider via its online platform and network of global bank accounts. The company's two products are international payment services and international payment solutions. Its International payment services are monitored by geographic region and provide bank-to-bank currency transfers servicing businesses and consumers. International payment solutions are monitored globally and provide strategic partners with a package that includes: the OFX IT platform; client service; compliance; banking relationships; and payment capabilities. The company operates in two operating segments: Business to Business (Corporate) and Business to Consumer (Consumer).
85GF Score

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

€0.35
Price
€0.82
GF Value