Standard Chartered Bank Ghana (XGHA:SCB) Moat Score: 0/10 (As of Jul. 26, 2026)

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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.
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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.

XGHA:SCB Standard Chartered Bank Ghana PLC XGHA:SCB
67 GF Score
Price GHS70.00
GF Value GHS36.45
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Standard Chartered Bank Ghana Moat Score?

Standard Chartered Bank Ghana has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Standard Chartered Bank Ghana 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 Standard Chartered Bank Ghana might have No Moat - No discernible moat.

Standard Chartered Bank Ghana  (XGHA:SCB) 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

Standard Chartered Bank Ghana Moat Score Related Terms

XGHA:SCB
67GF Score
Standard Chartered Bank Ghana PLC XGHA:SCB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Standard Chartered Bank Ghana (XGHA:SCB) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Chartered Bank Ghana stock appears to be overvalued. The current stock price of GHS70.00 is trading 92% above its estimated GF Value™ of GHS36.45. GuruFocus considers Standard Chartered Bank Ghana to be Significantly Overvalued.

Key valuation signals for XGHA:SCB:

  • Moat Score: 0
  • GF Value™: GHS36.45 vs. price of GHS70.00 (92% above fair value)
  • GF Score™: 67/100 with 2 warning signs

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

Standard Chartered Bank Ghana Business Description

Address 87 Independence Avenue, P.O. Box 768, Standard Chartered Bank Building, Accra, GHA
Standard Chartered Bank Ghana PLC is a banking corporation registered in Ghana. It provides various banking services including personal banking, private banking, and business banking. The company manages its business into three segments namely, Corporate & Investment Banking, Wealth & Retail Banking, Ventures and Central & Other Items. The company's services include savings, loans, mortgages, credit cards, insurance, and investment opportunities for individual customers. It focuses on offering financial solutions to small-medium enterprises, corporates, and financial institutions. Geographically, it operates in Hong Kong, Korea, China, Singapore, UK, and U.S.
67GF Score

Get the complete analysis for XGHA:SCB

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

GHS70.00
Price
GHS36.45
GF Value