MEBUF (Mebuki Financial Group) Moat Score: 4/10 (As of Jul. 01, 2026)


MEBUF Mebuki Financial Group Inc MEBUF
58 GF Score
Price $8.41
GF Value $5.89
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Mebuki Financial Group Moat Score?

Mebuki Financial Group MEBUF 58 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates MEBUF with a GF Score™ of 58/100 and a GF Value™ of $5.89 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, Mebuki Financial Group ranks better than 86.22% on this metric.

Mebuki Financial Group has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Mebuki Financial Group has Narrow Moat: Mebuki Financial has a modest moat due to its established presence in the Japanese financial sector and regulatory barriers. However, it faces intense competition and lacks significant brand strength or customer loyalty.

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 Mebuki Financial Group might have Narrow Moat - Discernible but modest moat.

Mebuki Financial Group  (OTCPK:MEBUF) 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

Mebuki Financial Group Moat Score Related Terms

Mebuki Financial Group Moat Score Competitor Comparison

For the Banks - Regional subindustry, Mebuki Financial Group'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.

Mebuki Financial Group Moat Score vs Banks Industry

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

* The bar in red indicates where Mebuki Financial Group's Moat Score falls into.


MEBUF
58GF Score
Mebuki Financial Group Inc MEBUF
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 4 mean?
Mebuki Financial Group (MEBUF) has a Moat Score of 4 as of Jul. 01, 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, Mebuki Financial Group ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Mebuki Financial Group's Moat Score too high?
Mebuki Financial Group's current Moat Score is 4. Based on the distribution chart, Mebuki Financial Group ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Mebuki Financial Group has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mebuki Financial Group's Moat Score compare to competitors?
According to the Banks industry distribution chart, Mebuki Financial Group ranks #222 out of 1611 companies for Moat Score. This places Mebuki Financial Group in the top 14% 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. Mebuki Financial Group's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mebuki Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Mebuki Financial Group (MEBUF) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.89, compared to a current price of $8.41 — trading 42.8% above its estimated fair value. The current Moat Score is 4. Mebuki Financial Group's overall GF Score™ is 58/100 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 Mebuki Financial Group (MEBUF), the current Moat Score is 4 as of Jul. 01, 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 Mebuki Financial Group (MEBUF) Overvalued in 2026?

Based on GuruFocus' analysis, Mebuki Financial Group stock appears to be overvalued. The current stock price of $8.41 is trading 42.8% above its estimated GF Value™ of $5.89. GuruFocus considers Mebuki Financial Group to be Significantly Overvalued.

Key valuation signals for MEBUF:

  • Moat Score: 4
  • GF Value™: $5.89 vs. price of $8.41 (42.8% above fair value)
  • GF Score™: 58/100 with 5 warning signs

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

Mebuki Financial Group Business Description

Other Exchanges 7167:Japan5EE:Germany
Address 1-25, Sakura 4-chome Utsunomiya, Utsunomiya, Tochigi, JPN, 320-8610
Mebuki Financial Group Inc is a Japan-based company, engages in the provision of banking and other financial services including credit card services in Japan. Its services include loans and bills discounted, deposits, other loans, and assets. It also engages in call money transactions in the short-term markets; and invests in securities primarily comprising bonds, as well as money markets. Its other services include foreign currency exchange and international remittances.
58GF Score

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

$8.41
Price
$5.89
GF Value