PICS (PicS NV) Moat Score: 2/10 (As of Aug. 28, 2026)

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PICS PicS NV PICS
39 GF Score
Price $10.22
! 2 Warning Signs
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What is PicS NV Moat Score?

PicS NV PICS -1.06% 39 Moat Score is 2 as of Aug. 28, 2026. GuruFocus rates PICS with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 2,831 Software companies, PicS NV ranks better than 79.55% on this metric.

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

PicS NV has No Moat: PicS NV lacks significant market leadership, intellectual property, or cost advantages. The company does not exhibit strong brand strength, regulatory barriers, or a superior distribution network, resulting in a 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 PicS NV might have No Moat - Very weak/transient advantages.

PicS NV  (NAS:PICS) 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

PicS NV Moat Score Related Terms

PICS vs PRGS, NN, GCT: Moat Score Comparison

For the Software - Infrastructure subindustry, PicS NV'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.

PicS NV Moat Score vs Software Industry

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

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


PICS
39GF Score
PicS NV PICS
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 2 mean?
PicS NV (PICS) has a Moat Score of 2 as of Aug. 28, 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, PicS NV ranks #579 out of 2831 companies in the Software industry, placing it in the top 20.5%.
Is PicS NV's Moat Score too high?
PicS NV's current Moat Score is 2. Based on the distribution chart, PicS NV ranks #579 out of 2831 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PicS NV has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does PicS NV's Moat Score compare to PRGS and NN?
According to the Software industry distribution chart, PicS NV ranks #579 out of 2831 companies for Moat Score. This places PicS NV in the top 21% 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. PicS NV'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 PicS NV stock overvalued right now?
PicS NV (PICS) has a current Moat Score of 2. The current Moat Score is 2. PicS NV's overall GF Score™ is 39/100 with 2 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 PicS NV (PICS), the current Moat Score is 2 as of Aug. 28, 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.

PicS NV Business Description

Other Exchanges PICSN:Mexico
Address Avenida Manuel Bandeira, 291, Block A, 2nd Floor, Sao Paulo, SP, BRA, 05317-020
PicS NV is a digital payments company. The company operates a peer-to-peer (P2P) transfer platform that enables individuals to send money via mobile devices. It provides digital wallets, instant payments (Pix), P2P transfers, credit cards, loans, investments, insurance, and SMB payment solutions. The company has four reportable segments: Consumer Banking, Small and Medium-Sized Businesses, Audiences and Ecosystem Integration, and Institutional. The majority of the company's revenue is derived from the Consumer Banking segment, which generates revenue from various transaction activities occurring in the digital wallet, such as Pix, peer-to-peer (P2P) transfers, and bill payments.
39GF Score

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

$10.22
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