General Capital (NZSE:GEN) Moat Score: 0/10 (As of Jul. 05, 2026)


NZSE:GEN General Capital Ltd NZSE:GEN
42 GF Score
Price NZ$0.29
GF Value NZ$0.98
Valuation Possible Value Trap
! 3 Warning Signs
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What is General Capital Moat Score?

General Capital has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

General Capital 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 General Capital might have No Moat - No discernible moat.

General Capital  (NZSE:GEN) 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

General Capital Moat Score Related Terms

NZSE:GEN
42GF Score
General Capital Ltd NZSE:GEN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is General Capital (NZSE:GEN) Overvalued in 2026?

Based on GuruFocus' analysis, General Capital stock appears to be undervalued. The current stock price of NZ$0.29 is trading 70.4% below its estimated GF Value™ of NZ$0.98. GuruFocus considers General Capital to be Possible Value Trap.

Key valuation signals for NZSE:GEN:

  • Moat Score: 0
  • GF Value™: NZ$0.98 vs. price of NZ$0.29 (70.4% below fair value)
  • GF Score™: 42/100 with 3 warning signs

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

General Capital Business Description

Address 115 Queen Street, Level 8, General Capital House, Auckland, NTL, NZL, 1010
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
42GF Score

Get the complete analysis for NZSE:GEN

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

NZ$0.29
Price
NZ$0.98
GF Value