Business Description
Raize-Instituicao De Pagamentos SA
SIC : 7389
ISIN : PTRIZ0AM0009
Total Employee Number:
11Compare
Compare
Traded in other countries / regions
MLRZE.Portugal IPO Date
2018-07-18Description
Raize-Instituicao de Pagamentos SA is a Portuguese payments institution and the operator of Raize, an online marketplace lending platform focused on small and medium-sized enterprises. Authorized and regulated by the Bank of Portugal, the company facilitates peer-to-peer and investor-funded business loans, connecting SMEs seeking working capital and growth financing with individual and institutional lenders. Its platform handles loan origination, servicing, and payment processing, earning revenue primarily through origination and servicing fees charged on facilitated loans. The company also provides payment services under its payments institution license. Raize serves businesses and investors across Portugal, operating primarily in the domestic market. Its activities span marketplace lending, loan servicing, and regulated payment services.
Financial Strength
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 1185.43 | |||||
Equity-to-Asset | 0.23 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 7/9 | |||||
Beneish M-Score | -2.06 | |||||
WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 7.2 | |||||
3-Year Book Growth Rate | 76.3 |
Momentum Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 88.1 | |||||
9-Day RSI | 74.03 | |||||
14-Day RSI | 65.48 | |||||
3-1 Month Momentum % | 5.8 | |||||
6-1 Month Momentum % | 19.67 | |||||
12-1 Month Momentum % | 100 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Profitability Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 1.4 | |||||
FCF Margin % | 200.99 | |||||
OCF Margin % | 218.11 | |||||
ROE % | 1.67 | |||||
ROA % | 0.33 | |||||
Years of Profitability over Past 10-Year | 3 |
GF Value Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | N/A |
N/A
|
N/A
| |||
PE Ratio without NRI | N/A |
N/A
|
N/A
| |||
Price-to-Owner-Earnings | 128.18 | |||||
PS Ratio | 4.94 | |||||
PB Ratio | 3.34 | |||||
Price-to-Tangible-Book | 4.43 | |||||
Price-to-Free-Cash-Flow | 29.23 | |||||
Price-to-Operating-Cash-Flow | 25.83 | |||||
EV-to-Revenue | -0.34 | |||||
EV-to-FCF | -4.72 | |||||
Price-to-GF-Value | 1.74 | |||||
Price-to-Projected-FCF | 3.97 | |||||
| Price-to-Net-Cash | 14.09 | |||||
FCF Yield % | 3.39 | |||||
Forward Rate of Return (Yacktman) % | 20.33 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Raize-Instituicao De Pagamentos SA Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 1.58 | ||
| EPS (TTM) (€) | 0.005 | ||
| Beta | -0.4911 | ||
| 3-Year Sharpe Ratio | 0.73 | ||
| 3-Year Sortino Ratio | 1.58 | ||
| Volatility % | 45.74 | ||
| 14-Day RSI | 65.48 | ||
| 14-Day ATR (€) | 0.202826 | ||
| 20-Day SMA (€) | 1.426 | ||
| 12-1 Month Momentum % | 100 | ||
| 52-Week Range (€) | 0.71 - 1.56 | ||
| Shares Outstanding (Mil) | 5 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Raize-Instituicao De Pagamentos SA Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Raize-Instituicao De Pagamentos SA Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| No Event Data | ||||
Raize-Instituicao De Pagamentos SA Frequently Asked Questions
What is Raize-Instituicao De Pagamentos SA(XLIS:MLRZE)'s stock price today?
The current price of XLIS:MLRZE is €1.55. The 52 week high of XLIS:MLRZE is €1.56 and 52 week low is €0.71.
When is next earnings date of Raize-Instituicao De Pagamentos SA(XLIS:MLRZE)?
The next earnings date of Raize-Instituicao De Pagamentos SA(XLIS:MLRZE) is .
Does Raize-Instituicao De Pagamentos SA(XLIS:MLRZE) pay dividends? If so, how much?
Raize-Instituicao De Pagamentos SA(XLIS:MLRZE) does not pay dividend.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers