Money Forward (STU:47D) Moat Score: 0/10 (As of Jul. 08, 2026)


STU:47D Money Forward Inc STU:47D
71 GF Score
Price €26.20
GF Value €44.43
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Money Forward Moat Score?

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

Money Forward 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 Money Forward might have No Moat - No discernible moat.

Money Forward  (STU:47D) 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

Money Forward Moat Score Related Terms

STU:47D
71GF Score
Money Forward Inc STU:47D
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Money Forward (STU:47D) Overvalued in 2026?

Based on GuruFocus' analysis, Money Forward stock appears to be undervalued. The current stock price of €26.20 is trading 41% below its estimated GF Value™ of €44.43. GuruFocus considers Money Forward to be Significantly Undervalued.

Key valuation signals for STU:47D:

  • Moat Score: 0
  • GF Value™: €44.43 vs. price of €26.20 (41% below fair value)
  • GF Score™: 71/100 with 4 warning signs

No single metric tells the full story. See the STU:47D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Money Forward Business Description

Other Exchanges 3994:Japan
Address 21st Floor, msb Tamachi Tamachi Station Tower, S 3-1-21 Shibaura, Minato-ku, Tokyo, JPN, 108-0023
Money Forward Inc provides money-related services for individuals and corporations. Its service portfolio comprises personal financial management services and MF cloud services. Its personal financial management services include economic media that conveys money related themes, automatic savings app and mirai talk channel where customers can resolve their financial concerns together directly with financial planners. Its MF Cloud services comprise cloud accounting software, cloud-based tax return, invoice preparation software, payroll calculation, and cloud-based payment reconciliation.
71GF Score

Get the complete analysis for STU:47D

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

€26.20
Price
€44.43
GF Value