Clientele (JSE:CLI) Moat Score: 0/10 (As of Jul. 07, 2026)


JSE:CLI Clientele Ltd JSE:CLI
48 GF Score
Price R19.71
GF Value R18.47
Valuation Fairly Valued
! 8 Warning Signs
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What is Clientele Moat Score?

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

Clientele 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 Clientele might have No Moat - No discernible moat.

Clientele  (JSE:CLI) 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

Clientele Moat Score Related Terms

JSE:CLI
48GF Score
Clientele Ltd JSE:CLI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Clientele (JSE:CLI) Overvalued in 2026?

Based on GuruFocus' analysis, Clientele stock appears to be overvalued. The current stock price of R19.71 is trading 6.7% above its estimated GF Value™ of R18.47. GuruFocus considers Clientele to be Fairly Valued.

Key valuation signals for JSE:CLI:

  • Moat Score: 0
  • GF Value™: R18.47 vs. price of R19.71 (6.7% above fair value)
  • GF Score™: 48/100 with 8 warning signs

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

Clientele Business Description

Address Corner Rivonia and Alon Roads Morningside, Clientele Office Park, Johannesburg, GT, ZAF, 2196
Clientele Ltd is a diversified financial services group. It markets, distributes, and underwrites insurance and investment products. The company's operating segment includes Clientele Life Insurance, 1Life Insurance, Non-Life Insurance, Emerald Life Insurance, and CBC Rewards, Mobile & Direct Rewards. Its insurance products and services include Legal, Mobile, Wealth, Credit Life, Investments, and others. It generates maximum revenue from the 1Life insurance segment, which involves the sale and administration of long-term insurance risk policies. The group currently operates in the South African market only.
48GF Score

Get the complete analysis for JSE:CLI

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

R19.71
Price
R18.47
GF Value