Scotia Group Jamaica (XJAM:SGJ) Moat Score: 0/10 (As of Jul. 27, 2026)

Author: Vera Yuan Vera Yuan
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.

XJAM:SGJ Scotia Group Jamaica Ltd XJAM:SGJ
81 GF Score
Price JMD57.86
GF Value JMD58.03
Valuation Fairly Valued
! 4 Warning Signs
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What is Scotia Group Jamaica Moat Score?

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

Scotia Group Jamaica 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 Scotia Group Jamaica might have No Moat - No discernible moat.

Scotia Group Jamaica  (XJAM:SGJ) 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

Scotia Group Jamaica Moat Score Related Terms

XJAM:SGJ
81GF Score
Scotia Group Jamaica Ltd XJAM:SGJ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Scotia Group Jamaica (XJAM:SGJ) Overvalued in 2026?

Based on GuruFocus' analysis, Scotia Group Jamaica stock appears to be undervalued. The current stock price of JMD57.86 is trading 0.3% below its estimated GF Value™ of JMD58.03. GuruFocus considers Scotia Group Jamaica to be Fairly Valued.

Key valuation signals for XJAM:SGJ:

  • Moat Score: 0
  • GF Value™: JMD58.03 vs. price of JMD57.86 (0.3% below fair value)
  • GF Score™: 81/100 with 4 warning signs

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

Scotia Group Jamaica Business Description

Address Port Royal Streets, P.O. Box 709, Corner Duke, Scotiabank Centre, Kingston, JAM
Scotia Group Jamaica Ltd is a Jamaican financial holding company. It provides a range of financial services through its subsidiaries to personal, commercial, corporate, and government clients across Jamaica. The company has six business segments: Retail, Corporate and Commercial, Treasury, Investment Management Services, Insurance Services, and Others. It generates maximum revenue from the Retail banking segment. The retail banking segment includes personal banking services, personal deposit accounts, credit and debit cards, consumer loans, mortgages, and microfinance.
81GF Score

Get the complete analysis for XJAM:SGJ

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

JMD57.86
Price
JMD58.03
GF Value