DelfinGroup (FRA:ON0) Moat Score: 0/10 (As of Jul. 22, 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:ON0 DelfinGroup FRA:ON0
62 GF Score
Price €1.52
GF Value €1.73
! 4 Warning Signs
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What is DelfinGroup Moat Score?

DelfinGroup has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

DelfinGroup 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 DelfinGroup might have No Moat - No discernible moat.

DelfinGroup  (FRA:ON0) 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

DelfinGroup Moat Score Related Terms

FRA:ON0
62GF Score
DelfinGroup FRA:ON0
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is DelfinGroup (FRA:ON0) Overvalued in 2026?

Based on GuruFocus' analysis, DelfinGroup stock appears to be undervalued. The current stock price of €1.52 is trading 12.1% below its estimated GF Value™ of €1.73.

Key valuation signals for FRA:ON0:

  • Moat Score: 0
  • GF Value™: €1.73 vs. price of €1.52 (12.1% below fair value)
  • GF Score™: 62/100 with 4 warning signs

No single metric tells the full story. See the FRA:ON0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

DelfinGroup Business Description

Other Exchanges DGR1R:Latvia
Address 50A Skanstes Street, Riga, LVA, LV-1013
DelfinGroup is a Latvian fintech company that offers finance and pawn services. The operating segments of the group are: Pawn loan segment includes handling pawn loan issuance, sale of pawn shop items in the branches, and online. The retail of pre-owned goods segment includes the sale of pre-owned goods in the branches and online, purchased by customers. Consumer loan segment includes handling consumer loans to customers, debt collection activities, and debt sales to external debt collection companies. The other operations segment includes providing loans for real estate development, general administrative services to the companies of the Group, and transactions with related parties.
62GF Score

Get the complete analysis for FRA:ON0

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

€1.52
Price
€1.73
GF Value