OTP Bank (LSE:OTPD) Moat Score: 6/10 (As of Jul. 02, 2026)


LSE:OTPD OTP Bank PLC LSE:OTPD
71 GF Score
Price $17.00
GF Value $13.83
Valuation Modestly Overvalued
! 5 Warning Signs
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What is OTP Bank Moat Score?

OTP Bank LSE:OTPD 71 Moat Score is 6 as of Jul. 02, 2026. GuruFocus rates LSE:OTPD with a GF Score™ of 71/100 and a GF Value™ of $13.83 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,612 Banks companies, OTP Bank ranks better than 97.83% on this metric.

OTP Bank has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

OTP Bank has Narrow Moat: OTP Bank has a strong narrow moat with a solid market position in Central and Eastern Europe, benefiting from regulatory barriers and customer loyalty. However, it faces competition from larger global banks, limiting its pricing power.

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 OTP Bank might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

OTP Bank  (LSE:OTPD) 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

OTP Bank Moat Score Related Terms

LSE:OTPD vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, OTP Bank'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.

OTP Bank Moat Score vs Banks Industry

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

* The bar in red indicates where OTP Bank's Moat Score falls into.


LSE:OTPD
71GF Score
OTP Bank PLC LSE:OTPD
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 6 mean?
OTP Bank (LSE:OTPD) has a Moat Score of 6 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, OTP Bank ranks #35 out of 1612 companies in the Banks industry, placing it in the top 2.2%.
Is OTP Bank's Moat Score too high?
OTP Bank's current Moat Score is 6. Based on the distribution chart, OTP Bank ranks #35 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, OTP Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OTP Bank's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, OTP Bank ranks #35 out of 1612 companies for Moat Score. This places OTP Bank in the top 2% 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. OTP Bank's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OTP Bank stock overvalued right now?
Based on GuruFocus' analysis, OTP Bank (LSE:OTPD) is currently considered Modestly Overvalued. The stock's GF Value™ is $13.83, compared to a current price of $17.00 — trading 22.9% above its estimated fair value. The current Moat Score is 6. OTP Bank's overall GF Score™ is 71/100 with 5 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 OTP Bank (LSE:OTPD), the current Moat Score is 6 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 OTP Bank (LSE:OTPD) Overvalued in 2026?

Based on GuruFocus' analysis, OTP Bank stock appears to be overvalued. The current stock price of $17.00 is trading 22.9% above its estimated GF Value™ of $13.83. GuruFocus considers OTP Bank to be Modestly Overvalued.

Key valuation signals for LSE:OTPD:

  • Moat Score: 6
  • GF Value™: $13.83 vs. price of $17.00 (22.9% above fair value)
  • GF Score™: 71/100 with 5 warning signs

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

OTP Bank Business Description

Address 16, Nador Street, Budapest, HUN, 1051
OTP Bank PLC provides universal financial services through several subsidiaries. It performs banking operations via its bank in Hungary. The Group's operating segments are as follows: OTP Core Hungary, Russia, Ukraine, Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, Slovenia, Uzbekistan, Merkantil Group, Asset Management subsidiaries, other subsidiaries, and Corporate Centre. The Bank provides comprehensive banking & other financial services to both retail & corporate customers: its activities include deposit collection from customers, raising money from the money & capital markets. It also offers mortgage loans, consumer credits, working capital & investment loans to companies and municipalities. A majority of the bank's net revenue is net interest income.
71GF Score

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

$17.00
Price
$13.83
GF Value