LHV Group AS (OTSE:LHV1T) Moat Score: 0/10 (As of Aug. 22, 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

OTSE:LHV1T LHV Group AS OTSE:LHV1T
80 GF Score
Price €3.34
GF Value €3.39
Valuation Fairly Valued
! 4 Warning Signs
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What is LHV Group AS Moat Score?

LHV Group AS has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

LHV Group AS 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 LHV Group AS might have No Moat - No discernible moat.

LHV Group AS  (OTSE:LHV1T) 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

LHV Group AS Moat Score Related Terms

OTSE:LHV1T
80GF Score
LHV Group AS OTSE:LHV1T
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is LHV Group AS (OTSE:LHV1T) Overvalued in 2026?

Based on GuruFocus' analysis, LHV Group AS stock appears to be undervalued. The current stock price of €3.34 is trading 1.6% below its estimated GF Value™ of €3.39. GuruFocus considers LHV Group AS to be Fairly Valued.

Key valuation signals for OTSE:LHV1T:

  • Moat Score: 0
  • GF Value™: €3.39 vs. price of €3.34 (1.6% below fair value)
  • GF Score™: 80/100 with 4 warning signs

No single metric tells the full story. See the OTSE:LHV1T stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

LHV Group AS Business Description

Other Exchanges 0RIR:UKASU0:Germany
Address Tartu mnt 2, Tallinn, EST, 10145
LHV Group AS operates as a holding company. The Group provides a wide range of financial services, including banking, investment and asset management, insurance, and other financial services in Estonia and the United Kingdom. It operates through its subsidiaries: LHV Pank, LHV Bank, LHV Varahaldus, LHV Kindlustus, and Other. The LHV Pank segment, contributes the maximum share of the Group's revenue, includes retail and corporate banking services in Estonia, offering loans, payment solution, investment, and savings products. LHV Bank offers banking services to financial intermediaries and fintech companies, SME lending, and retail banking in the United Kingdom. LHV Varahaldus is engaged in pension fund and asset management. LHV Kindlustus offers a range of non-life insurance products.
80GF Score

Get the complete analysis for OTSE:LHV1T

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

€3.34
Price
€3.39
GF Value