CIMB Group Holdings Bhd (XKLS:1023) Moat Score: 5/10 (As of Jul. 17, 2026)

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XKLS:1023 CIMB Group Holdings Bhd XKLS:1023
61 GF Score
Price RM7.82
GF Value RM7.29
Valuation Fairly Valued
! 6 Warning Signs
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What is CIMB Group Holdings Bhd Moat Score?

CIMB Group Holdings Bhd XKLS:1023 +1.56% 61 Moat Score is 5 as of Jul. 17, 2026. GuruFocus rates XKLS:1023 with a GF Score™ of 61/100 and a GF Value™ of RM7.29 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,610 Banks companies, CIMB Group Holdings Bhd ranks better than 94.04% on this metric.

CIMB Group Holdings Bhd has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

CIMB Group Holdings Bhd has Narrow Moat: CIMB Group has a solid market position in Southeast Asia with a strong brand and customer base. However, intense competition in the banking sector and limited network effects constrain its moat to a narrow level.

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 CIMB Group Holdings Bhd might have Narrow Moat - Solid narrow moat.

CIMB Group Holdings Bhd  (XKLS:1023) 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

CIMB Group Holdings Bhd Moat Score Related Terms

CIMB Group Holdings Bhd Moat Score Competitor Comparison

For the Banks - Regional subindustry, CIMB Group Holdings Bhd'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.

CIMB Group Holdings Bhd Moat Score vs Banks Industry

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

* The bar in red indicates where CIMB Group Holdings Bhd's Moat Score falls into.


XKLS:1023
61GF Score
CIMB Group Holdings Bhd XKLS:1023
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 5 mean?
CIMB Group Holdings Bhd (XKLS:1023) has a Moat Score of 5 as of Jul. 17, 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, CIMB Group Holdings Bhd ranks #96 out of 1610 companies in the Banks industry, placing it in the top 6%.
Is CIMB Group Holdings Bhd's Moat Score too high?
CIMB Group Holdings Bhd's current Moat Score is 5. Based on the distribution chart, CIMB Group Holdings Bhd ranks #96 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CIMB Group Holdings Bhd has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CIMB Group Holdings Bhd's Moat Score compare to competitors?
According to the Banks industry distribution chart, CIMB Group Holdings Bhd ranks #96 out of 1610 companies for Moat Score. This places CIMB Group Holdings Bhd in the top 6% 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. CIMB Group Holdings Bhd's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIMB Group Holdings Bhd stock overvalued right now?
Based on GuruFocus' analysis, CIMB Group Holdings Bhd (XKLS:1023) is currently considered Fairly Valued. The stock's GF Value™ is RM7.29, compared to a current price of RM7.82 — trading 7.3% above its estimated fair value. The current Moat Score is 5. CIMB Group Holdings Bhd's overall GF Score™ is 61/100 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 CIMB Group Holdings Bhd (XKLS:1023), the current Moat Score is 5 as of Jul. 17, 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 CIMB Group Holdings Bhd (XKLS:1023) Overvalued in 2026?

Based on GuruFocus' analysis, CIMB Group Holdings Bhd stock appears to be overvalued. The current stock price of RM7.82 is trading 7.3% above its estimated GF Value™ of RM7.29. GuruFocus considers CIMB Group Holdings Bhd to be Fairly Valued.

Key valuation signals for XKLS:1023:

  • Moat Score: 5
  • GF Value™: RM7.29 vs. price of RM7.82 (7.3% above fair value)
  • GF Score™: 61/100 with 6 warning signs

No single metric tells the full story. See the XKLS:1023 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

CIMB Group Holdings Bhd Business Description

Other Exchanges CIMDF:USA
Address Jalan Stesen Sentral 2, Level 13, Menara CIMB, Kuala Lumpur Sentral, Kuala Lumpur, SGR, MYS, 50470
CIMB Group Holdings Bhd is a full-service bank based mainly in Malaysia and other Southeast Asian countries. The bank's segment includes Consumer Banking, Commercial Banking, Wholesale Banking, and CIMB Digital Assets and Group Funding. The majority of the bank's income is derived from net interest income from Consumer Banking. Geographical presence is in Malaysia, Indonesia, Thailand, Singapore, United Kingdom, Hong Kong, China and others.
61GF Score

Get the complete analysis for XKLS:1023

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

RM7.82
Price
RM7.29
GF Value