KCRD (Kindcard) Moat Score: 2/10 (As of Jul. 21, 2026)

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Director of Data and Quant Analytics at GuruFocus
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What is Kindcard Moat Score?

Kindcard KCRD +36.18% Moat Score is 2 as of Jul. 21, 2026. The stock has 5 warning signs investors should review. Among 2,838 Software companies, Kindcard ranks better than 79.56% on this metric.

Kindcard has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Kindcard has No Moat: Kindcard Inc operates in a highly competitive fintech space with minimal market share and no significant network effects or switching costs. It lacks proprietary technology, brand strength, and regulatory advantages, resulting in a very weak competitive position.

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 Kindcard might have No Moat - Very weak/transient advantages.

Kindcard  (OTCPK:KCRD) 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

Kindcard Moat Score Related Terms

KCRD vs OVTZ, VISM, IPSI: Moat Score Comparison

For the Software - Infrastructure subindustry, Kindcard'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.

Kindcard Moat Score vs Software Industry

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

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


Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Kindcard (KCRD) has a Moat Score of 2 as of Jul. 21, 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, Kindcard ranks #580 out of 2838 companies in the Software industry, placing it in the top 20.4%.
Is Kindcard's Moat Score too high?
Kindcard's current Moat Score is 2. Based on the distribution chart, Kindcard ranks #580 out of 2838 companies in the Software industry, which is in the top quartile — a strong position relative to peers.
How does Kindcard's Moat Score compare to OVTZ and VISM?
According to the Software industry distribution chart, Kindcard ranks #580 out of 2838 companies for Moat Score. This places Kindcard in the top 20% 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. Kindcard's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kindcard stock overvalued right now?
Based on GuruFocus' analysis, Kindcard (KCRD) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.03, compared to a current price of $0.03 — trading 11.7% above its estimated fair value. The current Moat Score is 2. 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 Kindcard (KCRD), the current Moat Score is 2 as of Jul. 21, 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.

Kindcard Business Description

Address 1001 Yamato Road, Suite 100, Boca Raton, FL, USA, 33431
Kindcard Inc, through its subsidiaries, is a FinTech and PayTech company that provides traditional payment solutions, as well as alternative Closed-Loop payment solutions, to consumers and businesses across a wide variety of verticals globally. The company offers its services through its proprietary Pay with Deb consumer app and merchant services platform, which operates on a closed-loop system, whereby consumers can purchase Deb Tokens to store in their wallet and use them to make purchases with the Pay with Deb merchant network. In addition, the company offers independent merchants a gift card and loyalty platform, allowing businesses to purchase their proprietary gift card program to promote and sell to their customers, where their customers can also earn points.