PYPTF (PayPoint) Moat Score: 5/10 (As of Jun. 29, 2026)


PYPTF PayPoint PLC PYPTF
78 GF Score
Price $7.50
GF Value $9.32
Valuation Modestly Undervalued
! 4 Warning Signs
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What is PayPoint Moat Score?

PayPoint PYPTF 78 Moat Score is 5 as of Jun. 29, 2026. GuruFocus rates PYPTF with a GF Score™ of 78/100 and a GF Value™ of $9.32 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,844 Software companies, PayPoint ranks better than 94.8% on this metric.

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

PayPoint has Narrow Moat: PayPoint PLC has a solid narrow moat due to its strong brand in the UK payment services market and a robust distribution network. However, it faces competition from digital payment solutions, limiting its pricing power and market share sustainability.

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 PayPoint might have Narrow Moat - Solid narrow moat.

PayPoint  (OTCPK:PYPTF) 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

PayPoint Moat Score Related Terms

PYPTF vs MSFT, ORCL, PLTR: Moat Score Comparison

For the Software - Infrastructure subindustry, PayPoint'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.

PayPoint Moat Score vs Software Industry

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

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


PYPTF
78GF Score
PayPoint PLC PYPTF
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?
PayPoint (PYPTF) has a Moat Score of 5 as of Jun. 29, 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, PayPoint ranks #148 out of 2844 companies in the Software industry, placing it in the top 5.2%.
Is PayPoint's Moat Score too high?
PayPoint's current Moat Score is 5. Based on the distribution chart, PayPoint ranks #148 out of 2844 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PayPoint has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPoint's Moat Score compare to MSFT and ORCL?
According to the Software industry distribution chart, PayPoint ranks #148 out of 2844 companies for Moat Score. This places PayPoint 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. PayPoint'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 PayPoint stock overvalued right now?
Based on GuruFocus' analysis, PayPoint (PYPTF) is currently considered Modestly Undervalued. The stock's GF Value™ is $9.32, compared to a current price of $7.50 — trading 19.5% below its estimated fair value. The current Moat Score is 5. PayPoint's overall GF Score™ is 78/100 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 PayPoint (PYPTF), the current Moat Score is 5 as of Jun. 29, 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 PayPoint (PYPTF) Overvalued in 2026?

Based on GuruFocus' analysis, PayPoint stock appears to be undervalued. The current stock price of $7.50 is trading 19.5% below its estimated GF Value™ of $9.32. GuruFocus considers PayPoint to be Modestly Undervalued.

Key valuation signals for PYPTF:

  • Moat Score: 5
  • GF Value™: $9.32 vs. price of $7.50 (19.5% below fair value)
  • GF Score™: 78/100 with 4 warning signs

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

PayPoint Business Description

Other Exchanges PAYl:UKPAY:UK
Address 1 The Boulevard, Shire Park, Welwyn Garden City, Hertfordshire, GBR, AL7 1EL
PayPoint PLC is a United Kingdom-based company that provides consumer transaction services. The company's solutions help clients control household finances, essential payments, and in-store services. The company's operations involve processing high-volume transactions, managing retailers and clients, selling funds, and transmitting data. PayPoint's network covers convenience stores and numerous outlets, where clients can use the company's solutions to make energy meter prepayments, bill payments, benefit payments, mobile phone top-ups, cash withdrawals, and other services. Its operating segments are; PayPoint which derives key revenue, and Love2shop. The company generates the majority of its revenue from the UK.
78GF Score

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

$7.50
Price
$9.32
GF Value