I&M Group (NAI:IMH) Moat Score: 0/10 (As of Jul. 14, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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.

NAI:IMH I&M Group PLC NAI:IMH
81 GF Score
Price KES69.00
GF Value KES38.76
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is I&M Group Moat Score?

I&M Group has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

I&M Group 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 I&M Group might have No Moat - No discernible moat.

I&M Group  (NAI:IMH) 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

I&M Group Moat Score Related Terms

NAI:IMH
81GF Score
I&M Group PLC NAI:IMH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is I&M Group (NAI:IMH) Overvalued in 2026?

Based on GuruFocus' analysis, I&M Group stock appears to be overvalued. The current stock price of KES69.00 is trading 78% above its estimated GF Value™ of KES38.76. GuruFocus considers I&M Group to be Significantly Overvalued.

Key valuation signals for NAI:IMH:

  • Moat Score: 0
  • GF Value™: KES38.76 vs. price of KES69.00 (78% above fair value)
  • GF Score™: 81/100 with 4 warning signs

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

I&M Group Business Description

Address 1 Park Avenue, 1st Parklands Avenue, P.O. Box 30238, Nairobi, KEN, 00100
I&M Group PLC is a non-operating holding company, along with its subsidiaries, providing banking, financial, and related services. The group operations are divided into five geographical segments: Kenya, Tanzania, Rwanda, Mauritius, and Uganda. It offers a range of personal banking products, such as bank accounts, cards, mobile banking, Internet banking, investment management services, loans, foreign exchange, and funds transfer. Business banking products include business accounts, loans, e-commerce, salary processing, trade services, interest rates, foreign exchange, insurance premium financing, funds transfer, asset finance, and cash management services.
81GF Score

Get the complete analysis for NAI:IMH

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

KES69.00
Price
KES38.76
GF Value