KBCSY (KBC Groupe NV) Moat Score: 5/10 (As of Jul. 02, 2026)


KBCSY KBC Groupe NV KBCSY
75 GF Score
Price $69.15
GF Value $48.05
Valuation Significantly Overvalued
! 6 Warning Signs
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What is KBC Groupe NV Moat Score?

KBC Groupe NV KBCSY +1.53% 75 Moat Score is 5 as of Jul. 02, 2026. GuruFocus rates KBCSY with a GF Score™ of 75/100 and a GF Value™ of $48.05 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,612 Banks companies, KBC Groupe NV ranks better than 94.04% on this metric.

KBC Groupe NV has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

KBC Groupe NV has Narrow Moat: KBC Groupe NV has a solid position in the European banking sector with a recognizable brand and customer loyalty. It benefits from regulatory barriers and economies of scale. However, it lacks significant network effects and its pricing power is constrained by competition, limiting its moat to a narrow classification.

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 KBC Groupe NV might have Narrow Moat - Solid narrow moat.

KBC Groupe NV  (OTCPK:KBCSY) 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

KBC Groupe NV Moat Score Related Terms

KBCSY vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, KBC Groupe NV'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.

KBC Groupe NV Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, KBC Groupe NV's Moat Score distribution charts can be found below:

* The bar in red indicates where KBC Groupe NV's Moat Score falls into.


KBCSY
75GF Score
KBC Groupe NV KBCSY
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?
KBC Groupe NV (KBCSY) has a Moat Score of 5 as of Jul. 02, 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, KBC Groupe NV ranks #96 out of 1612 companies in the Banks industry, placing it in the top 6%.
Is KBC Groupe NV's Moat Score too high?
KBC Groupe NV's current Moat Score is 5. Based on the distribution chart, KBC Groupe NV ranks #96 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, KBC Groupe NV has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does KBC Groupe NV's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, KBC Groupe NV ranks #96 out of 1612 companies for Moat Score. This places KBC Groupe NV in the top 6% 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 Banks company?
A good Moat Score depends on the Banks 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. KBC Groupe NV'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 KBC Groupe NV stock overvalued right now?
Based on GuruFocus' analysis, KBC Groupe NV (KBCSY) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.05, compared to a current price of $69.15 — trading 43.9% above its estimated fair value. The current Moat Score is 5. KBC Groupe NV's overall GF Score™ is 75/100 with 6 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 KBC Groupe NV (KBCSY), the current Moat Score is 5 as of Jul. 02, 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 KBC Groupe NV (KBCSY) Overvalued in 2026?

Based on GuruFocus' analysis, KBC Groupe NV stock appears to be overvalued. The current stock price of $69.15 is trading 43.9% above its estimated GF Value™ of $48.05. GuruFocus considers KBC Groupe NV to be Significantly Overvalued.

Key valuation signals for KBCSY:

  • Moat Score: 5
  • GF Value™: $48.05 vs. price of $69.15 (43.9% above fair value)
  • GF Score™: 75/100 with 6 warning signs

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

KBC Groupe NV Business Description

Address Havenlaan 2, Brussels, BEL, 1080
KBC was formed in 1998 by the merger of Belgian commercial bank Kredietbank, cooperative farmers bank CERA Bank, and cooperative insurer ABB Verzekering. KBC offers banking, insurance, and investment products. Belgium and the Czech Republic account for most of KBC's profits, while the bank has smaller operations in Hungary, Slovakia, and Bulgaria.
75GF Score

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

$69.15
Price
$48.05
GF Value