GMO Payment Gateway (FRA:3RH) Moat Score: 5/10 (As of Jul. 03, 2026)


FRA:3RH GMO Payment Gateway Inc FRA:3RH
94 GF Score
Price €49.60
GF Value €55.11
! 3 Warning Signs
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What is GMO Payment Gateway Moat Score?

GMO Payment Gateway FRA:3RH +5.53% 94 Moat Score is 5 as of Jul. 03, 2026. GuruFocus rates FRA:3RH with a GF Score™ of 94/100 and a GF Value™ of €55.11. The stock has 3 warning signs investors should review. Among 2,844 Software companies, GMO Payment Gateway ranks better than 94.8% on this metric.

GMO Payment Gateway has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

GMO Payment Gateway has Narrow Moat: GMO Payment Gateway Inc has a solid market position with some network effects and customer switching costs. However, it lacks the regulatory barriers and brand strength needed for a stronger moat.

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 GMO Payment Gateway might have Narrow Moat - Solid narrow moat.

GMO Payment Gateway  (FRA:3RH) 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

GMO Payment Gateway Moat Score Related Terms

FRA:3RH vs MSFT, ORCL, PLTR: Moat Score Comparison

For the Software - Infrastructure subindustry, GMO Payment Gateway'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.

GMO Payment Gateway Moat Score vs Software Industry

For the Software industry and Technology sector, GMO Payment Gateway's Moat Score distribution charts can be found below:

* The bar in red indicates where GMO Payment Gateway's Moat Score falls into.


FRA:3RH
94GF Score
GMO Payment Gateway Inc FRA:3RH
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?
GMO Payment Gateway (FRA:3RH) has a Moat Score of 5 as of Jul. 03, 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, GMO Payment Gateway ranks #148 out of 2844 companies in the Software industry, placing it in the top 5.2%.
Is GMO Payment Gateway's Moat Score too high?
GMO Payment Gateway's current Moat Score is 5. Based on the distribution chart, GMO Payment Gateway ranks #148 out of 2844 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, GMO Payment Gateway has a GF Score™ of 94/100, reflecting its overall financial health beyond just this single metric.
How does GMO Payment Gateway's Moat Score compare to MSFT and ORCL?
According to the Software industry distribution chart, GMO Payment Gateway ranks #148 out of 2844 companies for Moat Score. This places GMO Payment Gateway in the top 5% 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 Software company?
A good Moat Score depends on the Software 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. GMO Payment Gateway'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 GMO Payment Gateway stock overvalued right now?
GMO Payment Gateway (FRA:3RH) has a current Moat Score of 5. The stock's GF Value™ is €55.11, compared to a current price of €49.60 — trading 10% below its estimated fair value. The current Moat Score is 5. GMO Payment Gateway's overall GF Score™ is 94/100 with 3 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 GMO Payment Gateway (FRA:3RH), the current Moat Score is 5 as of Jul. 03, 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 GMO Payment Gateway (FRA:3RH) Overvalued in 2026?

Based on GuruFocus' analysis, GMO Payment Gateway stock appears to be undervalued. The current stock price of €49.60 is trading 10% below its estimated GF Value™ of €55.11.

Key valuation signals for FRA:3RH:

  • Moat Score: 5
  • GF Value™: €55.11 vs. price of €49.60 (10% below fair value)
  • GF Score™: 94/100 with 3 warning signs

No single metric tells the full story. See the FRA:3RH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

GMO Payment Gateway Business Description

Other Exchanges 3769:Japan
Address 1-2-3 Dogenzaka, Shibuya-ku, Tokyo, JPN, 150-0043
GMO Payment Gateway is a major Japanese provider of cashless and online payment infrastructure, serving many sectors including digital content and telecommunications, utilities, retail and hospitality, financial services, healthcare, and education. It serves a wide array of clients, from government agencies and municipalities to enterprises and merchants, across online and offline channels, including e-commerce platforms, physical stores, and unattended machines. Its services encompass payment processing, settlement solutions, and ancillary offerings such as early or deferred settlement services, transaction lending, buy now, pay later, online advertising, and internet security. GMO is expanding into adjacent financial technology operations, and gradually across Asia and North America.
94GF Score

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

€49.60
Price
€55.11
GF Value