Scotiabank PeruA (LIM:SCOTIAC1) Moat Score: 0/10 (As of Jul. 31, 2026)

Author: Vera Yuan Vera Yuan
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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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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.

LIM:SCOTIAC1 Scotiabank Peru SAA LIM:SCOTIAC1
37 GF Score
Price S/.18.01
GF Value S/.11.49
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Scotiabank PeruA Moat Score?

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

Scotiabank PeruA 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 Scotiabank PeruA might have No Moat - No discernible moat.

Scotiabank PeruA  (LIM:SCOTIAC1) 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

Scotiabank PeruA Moat Score Related Terms

LIM:SCOTIAC1
37GF Score
Scotiabank Peru SAA LIM:SCOTIAC1
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Scotiabank PeruA (LIM:SCOTIAC1) Overvalued in 2026?

Based on GuruFocus' analysis, Scotiabank PeruA stock appears to be overvalued. The current stock price of S/.18.01 is trading 56.7% above its estimated GF Value™ of S/.11.49. GuruFocus considers Scotiabank PeruA to be Significantly Overvalued.

Key valuation signals for LIM:SCOTIAC1:

  • Moat Score: 0
  • GF Value™: S/.11.49 vs. price of S/.18.01 (56.7% above fair value)
  • GF Score™: 37/100 with 5 warning signs

No single metric tells the full story. See the LIM:SCOTIAC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Scotiabank PeruA Business Description

Address Av. Dionisio Derteano No. 102, San Isidro, Lima, PER
Scotiabank Peru SAA is a commercial bank and a subsidiary of the Bank of Nova Scotia (Scotiabank Group), operating in Peru. It serves individual, SME, corporate, and retail clients, offering products such as savings and current accounts, credit and debit cards, personal and vehicle loans, mortgage loans, and various insurance services. The bank also provides corporate banking, trade finance, leasing, e-banking, and foreign exchange services. Scotiabank Peru operates nationwide through branches and ATMs, with its headquarters in Lima. It focuses on retail, commercial, and corporate banking sectors in the Peruvian market.
37GF Score

Get the complete analysis for LIM:SCOTIAC1

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

S/.18.01
Price
S/.11.49
GF Value