DLocal (FRA:86G) Moat Score: 6/10 (As of Jul. 11, 2026)


FRA:86G DLocal Ltd FRA:86G
75 GF Score
Price €13.00
GF Value €16.85
Valuation Modestly Undervalued
! 4 Warning Signs
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What is DLocal Moat Score?

DLocal FRA:86G 75 Moat Score is 6 as of Jul. 11, 2026. GuruFocus rates FRA:86G with a GF Score™ of 75/100 and a GF Value™ of €16.85 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,835 Software companies, DLocal ranks better than 97.88% on this metric.

DLocal has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

DLocal has Narrow Moat: DLocal possesses a strong narrow moat with its proprietary payment platform and network effects in emerging markets. Its ability to integrate with local payment systems provides a competitive edge, though regulatory challenges and competition persist.

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 DLocal might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

DLocal  (FRA:86G) 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

DLocal Moat Score Related Terms

FRA:86G vs FOUR, BOX, BLSH: Moat Score Comparison

For the Software - Infrastructure subindustry, DLocal'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.

DLocal Moat Score vs Software Industry

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

* The bar in red indicates where DLocal's Moat Score falls into.


FRA:86G
75GF Score
DLocal Ltd FRA:86G
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 6 mean?
DLocal (FRA:86G) has a Moat Score of 6 as of Jul. 11, 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, DLocal ranks #60 out of 2835 companies in the Software industry, placing it in the top 2.1%.
Is DLocal's Moat Score too high?
DLocal's current Moat Score is 6. Based on the distribution chart, DLocal ranks #60 out of 2835 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, DLocal has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does DLocal's Moat Score compare to FOUR and BOX?
According to the Software industry distribution chart, DLocal ranks #60 out of 2835 companies for Moat Score. This places DLocal in the top 2% 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. DLocal's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DLocal stock overvalued right now?
Based on GuruFocus' analysis, DLocal (FRA:86G) is currently considered Modestly Undervalued. The stock's GF Value™ is €16.85, compared to a current price of €13.00 — trading 22.8% below its estimated fair value. The current Moat Score is 6. DLocal's overall GF Score™ is 75/100 with 4 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 DLocal (FRA:86G), the current Moat Score is 6 as of Jul. 11, 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 DLocal (FRA:86G) Overvalued in 2026?

Based on GuruFocus' analysis, DLocal stock appears to be undervalued. The current stock price of €13.00 is trading 22.8% below its estimated GF Value™ of €16.85. GuruFocus considers DLocal to be Modestly Undervalued.

Key valuation signals for FRA:86G:

  • Moat Score: 6
  • GF Value™: €16.85 vs. price of €13.00 (22.8% below fair value)
  • GF Score™: 75/100 with 4 warning signs

No single metric tells the full story. See the FRA:86G stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

DLocal Business Description

Other Exchanges DLO:USADLON:Mexico
Address Boundary Hall, Cricket Square, PO Box 1093, Grand Cayman, CYM, KY1-1102
DLocal Ltd is focused on making the complex simple, redefining the online payment experience in emerging markets. Through its technology platform, One dLocal, the company enables world-wide enterprise merchants to get paid (pay-in) and to make payments (pay-out) online in a safe and efficient manner. The company earns revenue from fees charged to merchants in connection with payment processing services for cross-border and local payment transactions. The company operates in a single operating segment, which is payment processing. The company's geographical segments include Latin America and Non-Latin America, with a majority of its revenue being generated from Brazil in the Latin America region.
75GF Score

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

€13.00
Price
€16.85
GF Value