TSCFY (TISCO Financial Group PCL) Moat Score: 4/10 (As of Jun. 29, 2026)


TSCFY TISCO Financial Group PCL TSCFY
66 GF Score
Price $30.50
GF Value $27.12
! 7 Warning Signs
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What is TISCO Financial Group PCL Moat Score?

TISCO Financial Group PCL TSCFY -4.78% 66 Moat Score is 4 as of Jun. 29, 2026. GuruFocus rates TSCFY with a GF Score™ of 66/100 and a GF Value™ of $27.12. The stock has 7 warning signs investors should review. Among 1,614 Banks companies, TISCO Financial Group PCL ranks better than 86.25% on this metric.

TISCO Financial Group PCL has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

TISCO Financial Group PCL has Narrow Moat: TISCO Financial Group PCL has a modest moat due to its niche market position and customer loyalty in Thailand. However, it lacks significant global market leadership or unique competitive advantages.

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 TISCO Financial Group PCL might have Narrow Moat - Discernible but modest moat.

TISCO Financial Group PCL  (OTCPK:TSCFY) 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

TISCO Financial Group PCL Moat Score Related Terms

TSCFY vs PNC, USB: Moat Score Comparison

For the Banks - Regional subindustry, TISCO Financial Group PCL'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.

TISCO Financial Group PCL Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, TISCO Financial Group PCL's Moat Score distribution charts can be found below:

* The bar in red indicates where TISCO Financial Group PCL's Moat Score falls into.


TSCFY
66GF Score
TISCO Financial Group PCL TSCFY
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?
TISCO Financial Group PCL (TSCFY) has a Moat Score of 4 as of Jun. 29, 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, TISCO Financial Group PCL ranks #222 out of 1614 companies in the Banks industry, placing it in the top 13.8%.
Is TISCO Financial Group PCL's Moat Score too high?
TISCO Financial Group PCL's current Moat Score is 4. Based on the distribution chart, TISCO Financial Group PCL ranks #222 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, TISCO Financial Group PCL has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does TISCO Financial Group PCL's Moat Score compare to PNC and USB?
According to the Banks industry distribution chart, TISCO Financial Group PCL ranks #222 out of 1614 companies for Moat Score. This places TISCO Financial Group PCL 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. TISCO Financial Group PCL'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 TISCO Financial Group PCL stock overvalued right now?
TISCO Financial Group PCL (TSCFY) has a current Moat Score of 4. The stock's GF Value™ is $27.12, compared to a current price of $30.50 — trading 12.5% above its estimated fair value. The current Moat Score is 4. TISCO Financial Group PCL's overall GF Score™ is 66/100 with 7 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 TISCO Financial Group PCL (TSCFY), the current Moat Score is 4 as of Jun. 29, 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 TISCO Financial Group PCL (TSCFY) Overvalued in 2026?

Based on GuruFocus' analysis, TISCO Financial Group PCL stock appears to be overvalued. The current stock price of $30.50 is trading 12.5% above its estimated GF Value™ of $27.12.

Key valuation signals for TSCFY:

  • Moat Score: 4
  • GF Value™: $27.12 vs. price of $30.50 (12.5% above fair value)
  • GF Score™: 66/100 with 7 warning signs

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

TISCO Financial Group PCL Business Description

Address North Sathorn Road, No. 48/49, TISCO Tower, 21st Floor, Silom Sub-district, Bangrak District, Bangkok, THA, 10500
TISCO Financial Group PCL is a Thailand-based bank that provides commercial banking products and services and generates revenue domestically. The company operates through four segments: Commercial Banking Business, which provides financial services under a commercial banking license through its headquarters and branches; Securities Business, which provides securities services through a subsidiary's headquarters and branches across the country; Asset Management Business, which provides asset management services; and Support Business, which provides governance and support functions of the Group. The company derives the majority of its revenue from commercial banking and lending business.
66GF Score

Get the complete analysis for TSCFY

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

$30.50
Price
$27.12
GF Value