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The historical rank and industry rank for Raize-Instituicao De Pagamentos's EV-to-FCF or its related term are showing as below:
XLIS:MLRZE'
s EV-to-FCF Range Over the Past 10 Years
Min: -37.81 Med: 4.5 Max: 20.37
Current: -2.06
During the past 10 years, the highest EV-to-FCF of Raize-Instituicao De Pagamentos was 20.37. The lowest was -37.81. And the median was 4.50.
XLIS:MLRZE's EV-to-FCF is ranked better than 97.76% of 268
companies
in the Credit Services industry
Industry Median: 13.9
vs XLIS:MLRZE: -2.06
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Raize-Instituicao De Pagamentos (XLIS:MLRZE) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Raize-Instituicao De Pagamentos's PE Ratio (TTM) for today is calculated as:
Raize-Instituicao De Pagamentos's share price for today is €1.55.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Raize-Instituicao De Pagamentos's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.000.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Raize-Instituicao De Pagamentos EV-to-FCF Related Terms
Raize-Instituicao De Pagamentos EV-to-FCF Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Raize-Instituicao De Pagamentos's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
Raize-Instituicao De Pagamentos EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Raize-Instituicao De Pagamentos's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Raize-Instituicao De Pagamentos's EV-to-FCF falls into.
Raize-Instituicao De Pagamentos's current Enterprise Value is €-0.54 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Raize-Instituicao De Pagamentos's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €0.26 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Raize-Instituicao De Pagamentos (XLIS:MLRZE) has a EV-to-FCF of -2.06 as of Jul. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Raize-Instituicao De Pagamentos and its competitors. According to the industry distribution chart, Raize-Instituicao De Pagamentos ranks #6 out of 268 companies in the Credit Services industry, placing it in the top 2.2%.
Is Raize-Instituicao De Pagamentos' EV-to-FCF too high?
Raize-Instituicao De Pagamentos' current EV-to-FCF is -2.06. Based on the distribution chart, Raize-Instituicao De Pagamentos ranks #6 out of 268 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Raize-Instituicao De Pagamentos has a GF Score™ of 32/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Raize-Instituicao De Pagamentos' EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Raize-Instituicao De Pagamentos ranks #6 out of 268 companies for EV-to-FCF. This places Raize-Instituicao De Pagamentos in the top 2% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 13.90. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.90, based on 268 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Raize-Instituicao De Pagamentos and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raize-Instituicao De Pagamentos's current EV-to-FCF is -2.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raize-Instituicao De Pagamentos stock overvalued right now?
Based on GuruFocus' analysis, Raize-Instituicao De Pagamentos (XLIS:MLRZE) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.88, compared to a current price of €1.55 — trading 76.1% above its estimated fair value. The current EV-to-FCF is -2.06. Raize-Instituicao De Pagamentos' overall GF Score™ is 32/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current EV-to-FCF is -2.06 as of Jul. 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.
Is Raize-Instituicao De Pagamentos (XLIS:MLRZE) Overvalued in 2026?
Based on GuruFocus' analysis, Raize-Instituicao De Pagamentos stock appears to be overvalued.
The current stock price of €1.55 is trading 76.1% above its estimated GF Value™ of €0.88.
GuruFocus considers Raize-Instituicao De Pagamentos to be Significantly Overvalued.
Key valuation signals for XLIS:MLRZE:
EV-to-FCF: -2.06
GF Value™: €0.88 vs. price of €1.55 (76.1% above fair value)
No single metric tells the full story. See the XLIS:MLRZE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Raize-Instituicao De Pagamentos Business Description
Raize-Instituicao De Pagamentos SA is a payments institution. The company operates a comprehensive loan servicing platform for companies and individuals and is the owner of a marketplace lender focused on SME lending. The company is authorized and regulated by the Bank of Portugal.
32GF Score
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