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The historical rank and industry rank for Raize-Instituicao De Pagamentos's Net Margin % or its related term are showing as below:
XLIS:MLRZE'
s Net Margin % Range Over the Past 10 Years
Min: -66.32 Med: -3.11 Max: 5.67
Current: 1.4
XLIS:MLRZE's Net Margin % is ranked worse than 76.68% of 536
companies
in the Credit Services industry
Industry Median: 14.89
vs XLIS:MLRZE: 1.40
Raize-Instituicao De Pagamentos (XLIS:MLRZE) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Raize-Instituicao De Pagamentos Net Margin % Related Terms
Raize-Instituicao De Pagamentos Net Margin % 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 Net Margin % Chart
For the Credit Services subindustry, Raize-Instituicao De Pagamentos's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Raize-Instituicao De Pagamentos's Net Margin % distribution charts can be found below:
* The bar in red indicates where Raize-Instituicao De Pagamentos's Net Margin % falls into.
* 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 Net Margin % of 1.40% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Raize-Instituicao De Pagamentos and its competitors. According to the industry distribution chart, Raize-Instituicao De Pagamentos ranks #411 out of 536 companies in the Credit Services industry, placing it in the top 76.7%.
Is Raize-Instituicao De Pagamentos' Net Margin % too high?
Raize-Instituicao De Pagamentos' current Net Margin % is 1.40%. The Credit Services industry median Net Margin % is 14.89. Raize-Instituicao De Pagamentos' value of 1.40% is 90.6% below this industry median. Based on the distribution chart, Raize-Instituicao De Pagamentos ranks #411 out of 536 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' Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Raize-Instituicao De Pagamentos ranks #411 out of 536 companies for Net Margin %. This places Raize-Instituicao De Pagamentos in the lower half of its industry. The industry median Net Margin % is 14.89. Raize-Instituicao De Pagamentos' value of 1.40% is 90.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.89, based on 536 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Raize-Instituicao De Pagamentos's current Net Margin % of 1.40% is 90.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Raize-Instituicao De Pagamentos and its competitors. For the Credit Services industry, the median Net Margin % is 14.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raize-Instituicao De Pagamentos's current Net Margin % is 1.40%. 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 Net Margin % is 1.40% and 90.6% below the Credit Services industry median of 14.89. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current Net Margin % is 1.40% as of Dec. 2025. 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:
Net Margin %: 1.40%
GF Value™: €0.88 vs. price of €1.55 (76.1% above fair value)
Industry Position: 90.6% below the Credit Services median (#411 of 536)
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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