Avarda Bank AB (OSTO:AVARDA) 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.

OSTO:AVARDA Avarda Bank AB OSTO:AVARDA
77 GF Score
Price kr192.60
GF Value kr157.11
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Avarda Bank AB Moat Score?

Avarda Bank AB has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Avarda Bank AB 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 Avarda Bank AB might have No Moat - No discernible moat.

Avarda Bank AB  (OSTO:AVARDA) 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

Avarda Bank AB Moat Score Related Terms

OSTO:AVARDA
77GF Score
Avarda Bank AB OSTO:AVARDA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Avarda Bank AB (OSTO:AVARDA) Overvalued in 2026?

Based on GuruFocus' analysis, Avarda Bank AB stock appears to be overvalued. The current stock price of kr192.60 is trading 22.6% above its estimated GF Value™ of kr157.11. GuruFocus considers Avarda Bank AB to be Modestly Overvalued.

Key valuation signals for OSTO:AVARDA:

  • Moat Score: 0
  • GF Value™: kr157.11 vs. price of kr192.60 (22.6% above fair value)
  • GF Score™: 77/100 with 4 warning signs

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

Avarda Bank AB Business Description

Address PO Box 947, Boras, SWE, 50110
Avarda Bank AB is a credit market company that provides secure, flexible, unified payment solutions for retailers in Europe. Through its white-label model, it enables merchants to own and control the entire customer journey, strengthening brand awareness, increasing conversion and customer lifetime value, and driving loyalty.
77GF Score

Get the complete analysis for OSTO:AVARDA

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

kr192.60
Price
kr157.11
GF Value