PAGS (PagSeguro Digital) Moat Score: 6/10 (As of Jun. 26, 2026)


PAGS PagSeguro Digital Ltd PAGS
88 GF Score
Price $9.07
GF Value $11.95
Valuation Modestly Undervalued
! 4 Warning Signs
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What is PagSeguro Digital Moat Score?

PagSeguro Digital PAGS +3.78% 88 Moat Score is 6 as of Jun. 26, 2026. GuruFocus rates PAGS with a GF Score™ of 88/100 and a GF Value™ of $11.95 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,848 Software companies, PagSeguro Digital ranks better than 97.89% on this metric.

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

PagSeguro Digital has Narrow Moat: PagSeguro Digital has a strong narrow moat with significant customer switching costs and a robust brand in the Brazilian payments market. It benefits from network effects and consistent innovation, but faces intense competition, limiting its market leadership and pricing power.

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

PagSeguro Digital  (NYSE:PAGS) 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

PagSeguro Digital Moat Score Related Terms

PAGS vs CALX, EEFT, STNE: Moat Score Comparison

For the Software - Infrastructure subindustry, PagSeguro Digital'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.

PagSeguro Digital Moat Score vs Software Industry

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

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


PAGS
88GF Score
PagSeguro Digital Ltd PAGS
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?
PagSeguro Digital (PAGS) has a Moat Score of 6 as of Jun. 26, 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, PagSeguro Digital ranks #60 out of 2848 companies in the Software industry, placing it in the top 2.1%.
Is PagSeguro Digital's Moat Score too high?
PagSeguro Digital's current Moat Score is 6. Based on the distribution chart, PagSeguro Digital ranks #60 out of 2848 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PagSeguro Digital has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PagSeguro Digital's Moat Score compare to CALX and EEFT?
According to the Software industry distribution chart, PagSeguro Digital ranks #60 out of 2848 companies for Moat Score. This places PagSeguro Digital 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. PagSeguro Digital'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 PagSeguro Digital stock overvalued right now?
Based on GuruFocus' analysis, PagSeguro Digital (PAGS) is currently considered Modestly Undervalued. The stock's GF Value™ is $11.95, compared to a current price of $9.07 — trading 24.1% below its estimated fair value. The current Moat Score is 6. PagSeguro Digital's overall GF Score™ is 88/100 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 PagSeguro Digital (PAGS), the current Moat Score is 6 as of Jun. 26, 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 PagSeguro Digital (PAGS) Overvalued in 2026?

Based on GuruFocus' analysis, PagSeguro Digital stock appears to be undervalued. The current stock price of $9.07 is trading 24.1% below its estimated GF Value™ of $11.95. GuruFocus considers PagSeguro Digital to be Modestly Undervalued.

Key valuation signals for PAGS:

  • Moat Score: 6
  • GF Value™: $11.95 vs. price of $9.07 (24.1% below fair value)
  • GF Score™: 88/100 with 4 warning signs

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

PagSeguro Digital Business Description

Other Exchanges 1JY:GermanyPAGS34:Brazil
Address Cricket Square, Hutchins Drive, P.O. Box 2681, Grand Cayman, CYM, KY1-1111
PagSeguro Digital Ltd is a Brazilian-based company that acts as a provider of financial technology solutions focused on Micro-Merchants, Small Companies and Medium-Sized Companies (SMEs), in Brazil. The company provides a range of solutions and tools such as cash-in and cash-out options and provides access to working capital to help to manage its cash flow. It delivers an end-to-end digital ecosystem to address day-to-day financial needs, including receiving and spending funds and managing and growing businesses for clients. The company also offers the Free PagSeguro Digital Account delivering Cash-In Solutions, Online and In-Person Payment Tools, Online Payment Tools; and Web Check Outs offer tokenization, handling of shipping information, and others.
88GF Score

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

$9.07
Price
$11.95
GF Value