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Raize-Instituicao De PagamentosXLIS:MLRZE 32 PB Ratio is 3.33 as of Jul. 28, 2026, which is 70% below its 10-year median of 11.08. GuruFocus rates XLIS:MLRZE with a GF Score™ of 32/100 and a GF Value™ of €0.88 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 526 Credit Services companies, Raize-Instituicao De Pagamentos ranks worse than 87.26% on this metric.
The historical rank and industry rank for Raize-Instituicao De Pagamentos's PB Ratio or its related term are showing as below:
XLIS:MLRZE'
s PB Ratio Range Over the Past 10 Years
Min: 1.66 Med: 11.08 Max: 20.93
Current: 3.33
During the past 10 years, Raize-Instituicao De Pagamentos's highest PB Ratio was 20.93. The lowest was 1.66. And the median was 11.08.
XLIS:MLRZE's PB Ratio is ranked worse than 87.26% of 526
companies
in the Credit Services industry
Industry Median: 1.06
vs XLIS:MLRZE: 3.33
During the past 12 months, Raize-Instituicao De Pagamentos's average Book Value Per Share Growth Rate was 676.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 76.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 25.20% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Raize-Instituicao De Pagamentos was 76.30% per year. The lowest was -11.40% per year. And the median was -4.20% per year.
Back to Basics: PB Ratio
Raize-Instituicao De Pagamentos (XLIS:MLRZE) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Raize-Instituicao De Pagamentos PB Ratio Related Terms
Raize-Instituicao De Pagamentos PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Raize-Instituicao De Pagamentos's PB Ratio distribution charts can be found below:
* The bar in red indicates where Raize-Instituicao De Pagamentos's PB Ratio falls into.
Raize-Instituicao De Pagamentos PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Raize-Instituicao De Pagamentos (XLIS:MLRZE) has a PB Ratio of 3.33 as of Jul. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Raize-Instituicao De Pagamentos and its competitors. This is 70% below median its historical median of 11.08. Over the past decade, Raize-Instituicao De Pagamentos' PB Ratio has ranged from 1.66 to 20.93. According to the industry distribution chart, Raize-Instituicao De Pagamentos ranks #459 out of 526 companies in the Credit Services industry, placing it in the top 87.3%.
Is Raize-Instituicao De Pagamentos' PB Ratio too high?
Raize-Instituicao De Pagamentos' current PB Ratio of 3.33 is 70% below median its 10-year median of 11.08. Over the past 10 years, this metric has ranged from a low of 1.66 to a high of 20.93. The Credit Services industry median PB Ratio is 1.06. Raize-Instituicao De Pagamentos' value of 3.33 is 214.2% above this industry median. Based on the distribution chart, Raize-Instituicao De Pagamentos ranks #459 out of 526 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' PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Raize-Instituicao De Pagamentos ranks #459 out of 526 companies for PB Ratio. This places Raize-Instituicao De Pagamentos in the lower half of its industry. The industry median PB Ratio is 1.06. Raize-Instituicao De Pagamentos' value of 3.33 is 214.2% above this benchmark. Historically, Raize-Instituicao De Pagamentos' own PB Ratio has ranged from 1.66 to 20.93 over the past decade. While the company's 10-year median is 11.08 vs. the industry median of 1.06, Raize-Instituicao De Pagamentos has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 526 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Raize-Instituicao De Pagamentos's current PB Ratio of 3.33 is 214.2% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Raize-Instituicao De Pagamentos and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raize-Instituicao De Pagamentos's current PB Ratio is 3.33, which is 70% below median its own 10-year median of 11.08. 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 PB Ratio is 3.33, which is 70% below median its 10-year median of 11.08 and 214.2% above the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current PB Ratio is 3.33 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:
PB Ratio: 3.33 (70% below median its 10-year median of 11.08)
GF Value™: €0.88 vs. price of €1.55 (76.1% above fair value)
Industry Position: 214.2% above the Credit Services median (#459 of 526)
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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