MIUFF (Mitsubishi HC Capital) Moat Score: 4/10 (As of Jun. 26, 2026)


MIUFF Mitsubishi HC Capital Inc MIUFF
83 GF Score
Price $7.50
GF Value $6.66
! 3 Warning Signs
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What is Mitsubishi HC Capital Moat Score?

Mitsubishi HC Capital MIUFF 83 Moat Score is 4 as of Jun. 26, 2026. GuruFocus rates MIUFF with a GF Score™ of 83/100 and a GF Value™ of $6.66. The stock has 3 warning signs investors should review. Among 567 Credit Services companies, Mitsubishi HC Capital ranks better than 95.06% on this metric.

Mitsubishi HC Capital has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Mitsubishi HC Capital has Narrow Moat: Mitsubishi HC Capital has a discernible but modest moat due to its brand strength and customer relationships in financial services. However, it faces significant competition and lacks the regulatory barriers or cost advantages to strengthen its moat further.

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 Mitsubishi HC Capital might have Narrow Moat - Discernible but modest moat.

Mitsubishi HC Capital  (OTCPK:MIUFF) 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

Mitsubishi HC Capital Moat Score Related Terms

MIUFF vs V, MA, AXP: Moat Score Comparison

For the Credit Services subindustry, Mitsubishi HC Capital'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.

Mitsubishi HC Capital Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's Moat Score distribution charts can be found below:

* The bar in red indicates where Mitsubishi HC Capital's Moat Score falls into.


MIUFF
83GF Score
Mitsubishi HC Capital Inc MIUFF
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?
Mitsubishi HC Capital (MIUFF) has a Moat Score of 4 as of Jun. 26, 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, Mitsubishi HC Capital ranks #28 out of 567 companies in the Credit Services industry, placing it in the top 4.9%.
Is Mitsubishi HC Capital's Moat Score too high?
Mitsubishi HC Capital's current Moat Score is 4. Based on the distribution chart, Mitsubishi HC Capital ranks #28 out of 567 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Mitsubishi HC Capital has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's Moat Score compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #28 out of 567 companies for Moat Score. This places Mitsubishi HC Capital in the top 5% 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 Credit Services company?
A good Moat Score depends on the Credit Services 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. Mitsubishi HC Capital'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 Mitsubishi HC Capital stock overvalued right now?
Mitsubishi HC Capital (MIUFF) has a current Moat Score of 4. The stock's GF Value™ is $6.66, compared to a current price of $7.50 — trading 12.6% above its estimated fair value. The current Moat Score is 4. Mitsubishi HC Capital's overall GF Score™ is 83/100 with 3 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 Mitsubishi HC Capital (MIUFF), the current Moat Score is 4 as of Jun. 26, 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 Mitsubishi HC Capital (MIUFF) Overvalued in 2026?

Based on GuruFocus' analysis, Mitsubishi HC Capital stock appears to be overvalued. The current stock price of $7.50 is trading 12.6% above its estimated GF Value™ of $6.66.

Key valuation signals for MIUFF:

  • Moat Score: 4
  • GF Value™: $6.66 vs. price of $7.50 (12.6% above fair value)
  • GF Score™: 83/100 with 3 warning signs

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

Mitsubishi HC Capital Business Description

Address 1-5-1 Marunouchi, Shin-Marunouchi Building, Chiyoda-ku, Tokyo, JPN, 100-6525
Mitsubishi HC Capital Inc is a Japan-based company engaged in providing comprehensive financial services. The company operates through several reportable segments, including Customer Solution, Overseas Region, Environmental Energy, Aviation, Logistics, Real Estate, and Mobility. Its businesses include finance solutions for corporations and government agencies, energy-saving and vendor finance, renewable energy and environmental finance, aircraft and engine leasing, marine container and railway freight car leasing, real estate finance and investment, and automobile leasing and related services. It generates the majority of its revenue from the Customer Solutions segment.
83GF Score

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

$7.50
Price
$6.66
GF Value