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This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Raize-Instituicao De Pagamentos's Median PS Value or its related term are showing as below:
XLIS:MLRZE's Price-to-Median-PS-Value is not ranked *
in the Credit Services industry.
Industry Median: 0.93 * Ranked among companies with meaningful Price-to-Median-PS-Value only.
Raize-Instituicao De Pagamentos (XLIS:MLRZE) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Raize-Instituicao De Pagamentos's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
1.55
/
0.00
=
* 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 Median PS Value Related Terms
Raize-Instituicao De Pagamentos Median PS Value 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.
Raize-Instituicao De Pagamentos Median PS Value Chart
XLIS:MLRZE vs V, MA, AXP: Median PS Value Comparison
For the Credit Services subindustry, Raize-Instituicao De Pagamentos's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Raize-Instituicao De Pagamentos's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Raize-Instituicao De Pagamentos's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Raize-Instituicao De Pagamentos's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €0.314.
* 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 Median PS Value of €0.00 as of Jul. 28, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Raize-Instituicao De Pagamentos and its competitors. According to the industry distribution chart, Raize-Instituicao De Pagamentos ranks #999999 out of 287 companies in the Credit Services industry.
Is Raize-Instituicao De Pagamentos' Median PS Value too high?
Raize-Instituicao De Pagamentos' current Median PS Value is €0.00. Based on the distribution chart, Raize-Instituicao De Pagamentos ranks #999999 out of 287 companies in the Credit Services industry, which is in the bottom quartile 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' Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, Raize-Instituicao De Pagamentos ranks #999999 out of 287 companies for Median PS Value. This places Raize-Instituicao De Pagamentos in the lower half of its industry. The industry median Median PS Value is 0.93. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.93, based on 287 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Raize-Instituicao De Pagamentos and its competitors. For the Credit Services industry, the median Median PS Value is 0.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raize-Instituicao De Pagamentos's current Median PS Value is €0.00. 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 Median PS Value is €0.00. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current Median PS Value is €0.00 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:
Median PS Value: €0.00
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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