SBI Holdings (FRA:ZOF) Moat Score: 5/10 (As of Jun. 29, 2026)


FRA:ZOF SBI Holdings Inc FRA:ZOF
84 GF Score
Price €14.45
GF Value €13.79
Valuation Fairly Valued
! 7 Warning Signs
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What is SBI Holdings Moat Score?

SBI Holdings FRA:ZOF -1.57% 84 Moat Score is 5 as of Jun. 29, 2026. GuruFocus rates FRA:ZOF with a GF Score™ of 84/100 and a GF Value™ of €13.79 (Fairly Valued). The stock has 7 warning signs investors should review. Among 594 Diversified Financial Services companies, SBI Holdings ranks better than 99.49% on this metric.

SBI Holdings has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

SBI Holdings has Narrow Moat: SBI Holdings Inc possesses a solid narrow moat with a strong market position in financial services, benefiting from network effects and customer loyalty. However, it lacks significant regulatory barriers or exclusive licenses that would elevate it to a wide 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 SBI Holdings might have Narrow Moat - Solid narrow moat.

SBI Holdings  (FRA:ZOF) 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

SBI Holdings Moat Score Related Terms

FRA:ZOF vs VOYA, FRHC: Moat Score Comparison

For the Financial Conglomerates subindustry, SBI 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.

SBI Holdings Moat Score vs Diversified Financial Services Industry

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

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


FRA:ZOF
84GF Score
SBI Holdings Inc FRA:ZOF
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 5 mean?
SBI Holdings (FRA:ZOF) has a Moat Score of 5 as of Jun. 29, 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, SBI Holdings ranks #3 out of 594 companies in the Diversified Financial Services industry, placing it in the top 0.5%.
Is SBI Holdings' Moat Score too high?
SBI Holdings' current Moat Score is 5. Based on the distribution chart, SBI Holdings ranks #3 out of 594 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, SBI Holdings has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SBI Holdings' Moat Score compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, SBI Holdings ranks #3 out of 594 companies for Moat Score. This places SBI Holdings in the top 1% 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 Diversified Financial Services company?
A good Moat Score depends on the Diversified Financial 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. SBI Holdings's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Holdings stock overvalued right now?
Based on GuruFocus' analysis, SBI Holdings (FRA:ZOF) is currently considered Fairly Valued. The stock's GF Value™ is €13.79, compared to a current price of €14.45 — trading 4.7% above its estimated fair value. The current Moat Score is 5. SBI Holdings' overall GF Score™ is 84/100 with 7 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 SBI Holdings (FRA:ZOF), the current Moat Score is 5 as of Jun. 29, 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 SBI Holdings (FRA:ZOF) Overvalued in 2026?

Based on GuruFocus' analysis, SBI Holdings stock appears to be overvalued. The current stock price of €14.45 is trading 4.7% above its estimated GF Value™ of €13.79. GuruFocus considers SBI Holdings to be Fairly Valued.

Key valuation signals for FRA:ZOF:

  • Moat Score: 5
  • GF Value™: €13.79 vs. price of €14.45 (4.7% above fair value)
  • GF Score™: 84/100 with 7 warning signs

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

SBI Holdings Business Description

Address 1-6-1 Roppongi, Minato-ku, Tokyo, JPN, 106-6019
SBI Holdings Inc is a financial conglomerate that offers a variety of services in securities, banking, and insurance. The company operates through five segments. The Asset Management segment provides investment management, advice, and financial product information. The Crypto Asset segment offers crypto exchange and trading services. The Financial Services segment covers securities, banking, and insurance activities in Japan and abroad. The Investment segment invests in IT, fintech, blockchain, finance, and biotech ventures. The Next Generation Business develops and sells pharmaceuticals, health foods, and cosmetics, conducts R&D in cancer and immunology, offers digital medical solutions, and engages in medical finance. It generates majority of its revenue from Financial services segment.
84GF Score

Get the complete analysis for FRA:ZOF

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

€14.45
Price
€13.79
GF Value