RAIFF (Raiffeisen Bank International AG) Moat Score: 4/10 (As of Jul. 01, 2026)


RAIFF Raiffeisen Bank International AG RAIFF
50 GF Score
Price $62.50
GF Value $21.05
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Raiffeisen Bank International AG Moat Score?

Raiffeisen Bank International AG RAIFF 50 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates RAIFF with a GF Score™ of 50/100 and a GF Value™ of $21.05 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,611 Banks companies, Raiffeisen Bank International AG ranks better than 86.22% on this metric.

Raiffeisen Bank International AG has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Raiffeisen Bank International AG has Narrow Moat: Raiffeisen Bank International AG has a modest moat due to its regional market presence and customer base. It benefits from some network effects and regulatory barriers, but faces intense competition and lacks strong brand loyalty or significant intellectual property.

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 Raiffeisen Bank International AG might have Narrow Moat - Discernible but modest moat.

Raiffeisen Bank International AG  (OTCPK:RAIFF) 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

Raiffeisen Bank International AG Moat Score Related Terms

RAIFF vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, Raiffeisen Bank International AG'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.

Raiffeisen Bank International AG Moat Score vs Banks Industry

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

* The bar in red indicates where Raiffeisen Bank International AG's Moat Score falls into.


RAIFF
50GF Score
Raiffeisen Bank International AG RAIFF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Raiffeisen Bank International AG (RAIFF) has a Moat Score of 4 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, Raiffeisen Bank International AG ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Raiffeisen Bank International AG's Moat Score too high?
Raiffeisen Bank International AG's current Moat Score is 4. Based on the distribution chart, Raiffeisen Bank International AG ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Raiffeisen Bank International AG has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Raiffeisen Bank International AG's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, Raiffeisen Bank International AG ranks #222 out of 1611 companies for Moat Score. This places Raiffeisen Bank International AG in the top 14% 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. Raiffeisen Bank International AG's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank International AG stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank International AG (RAIFF) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.05, compared to a current price of $62.50 — trading 196.9% above its estimated fair value. The current Moat Score is 4. Raiffeisen Bank International AG's overall GF Score™ is 50/100 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 Raiffeisen Bank International AG (RAIFF), the current Moat Score is 4 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 Raiffeisen Bank International AG (RAIFF) Overvalued in 2026?

Based on GuruFocus' analysis, Raiffeisen Bank International AG stock appears to be overvalued. The current stock price of $62.50 is trading 196.9% above its estimated GF Value™ of $21.05. GuruFocus considers Raiffeisen Bank International AG to be Significantly Overvalued.

Key valuation signals for RAIFF:

  • Moat Score: 4
  • GF Value™: $21.05 vs. price of $62.50 (196.9% above fair value)
  • GF Score™: 50/100 with 6 warning signs

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

Raiffeisen Bank International AG Business Description

Address Am Stadtpark 9, Vienna, AUT, 1030
Raiffeisen Bank International AG is a corporate and investment bank with Central and Eastern Europe (CEE) as its home market. The group also includes financial service providers in leasing, asset management, factoring, and M&A. Its segments are as follows: The Central Europe segment covers the Czech Republic, Hungary, Poland, and Slovakia, offering corporate and retail banking, leasing, asset management, and building society services. Southeastern Europe includes Albania, Bosnia and Herzegovina, Romania, and Serbia, providing banking, leasing, asset management, and pension fund services. Eastern Europe comprises Russia, where RBI serves corporate and private customers and leasing. Ukraine is served through a bank offering full financial services via digital channels and branches.
50GF Score

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

$62.50
Price
$21.05
GF Value