Standard Bank Group (NAM:SNB) Moat Score: 5/10 (As of Jul. 01, 2026)


NAM:SNB Standard Bank Group Ltd NAM:SNB
67 GF Score
Price R323.07
GF Value R237.42
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Standard Bank Group Moat Score?

Standard Bank Group NAM:SNB +1.00% 67 Moat Score is 5 as of Jul. 01, 2026. GuruFocus rates NAM:SNB with a GF Score™ of 67/100 and a GF Value™ of R237.42 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,611 Banks companies, Standard Bank Group ranks better than 94.04% on this metric.

Standard Bank Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Standard Bank Group has Narrow Moat: Standard Bank Group Ltd has a solid narrow moat with a strong regional presence and customer loyalty. The company benefits from some economies of scale and regulatory barriers, but lacks the global brand strength and intellectual property to achieve a wide moat.

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 Standard Bank Group might have Narrow Moat - Solid narrow moat.

Standard Bank Group  (NAM:SNB) 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

Standard Bank Group Moat Score Related Terms

NAM:SNB vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Standard Bank 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.

Standard Bank Group Moat Score vs Banks Industry

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

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


NAM:SNB
67GF Score
Standard Bank Group Ltd NAM:SNB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Standard Bank Group (NAM:SNB) has a Moat Score of 5 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, Standard Bank Group ranks #96 out of 1611 companies in the Banks industry, placing it in the top 6%.
Is Standard Bank Group's Moat Score too high?
Standard Bank Group's current Moat Score is 5. Based on the distribution chart, Standard Bank Group ranks #96 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Bank Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Group's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Group ranks #96 out of 1611 companies for Moat Score. This places Standard Bank Group in the top 6% 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. Standard Bank Group's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Group (NAM:SNB) is currently considered Significantly Overvalued. The stock's GF Value™ is R237.42, compared to a current price of R323.07 — trading 36.1% above its estimated fair value. The current Moat Score is 5. Standard Bank Group's overall GF Score™ is 67/100 with 6 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 Standard Bank Group (NAM:SNB), the current Moat Score is 5 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 Standard Bank Group (NAM:SNB) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Bank Group stock appears to be overvalued. The current stock price of R323.07 is trading 36.1% above its estimated GF Value™ of R237.42. GuruFocus considers Standard Bank Group to be Significantly Overvalued.

Key valuation signals for NAM:SNB:

  • Moat Score: 5
  • GF Value™: R237.42 vs. price of R323.07 (36.1% above fair value)
  • GF Score™: 67/100 with 6 warning signs

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

Standard Bank Group Business Description

Address 5 Simmonds Street, 9th Floor, Standard Bank Centre, Johannesburg, GT, ZAF, 2001
Standard Bank Group Ltd provides banking and other financial services. Its operating model is client-led and structured around its business units, which are Personal & Private Banking (PPB), Business and Commercial Banking (BCB), Corporate and Investment Banking (CIB), and Insurance & Asset Management (IAM). It offers credit cards, mortgages, vehicle loans, insurance, and other lending and transactional products. Geographically, the company derives its maximum revenue from South Africa, followed by other African and international regions.
67GF Score

Get the complete analysis for NAM:SNB

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

R323.07
Price
R237.42
GF Value