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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Raize-Instituicao De Pagamentos's share price is €1.38.
Raize-Instituicao De Pagamentos's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €0.31. Hence, Raize-Instituicao De Pagamentos's PS Ratio for today is 4.39.
Warning Sign:
Raize-Instituicao De Pagamentos SA stock PS Ratio (=4.94) is close to 3-year high of 4.97.
The historical rank and industry rank for Raize-Instituicao De Pagamentos's PS Ratio or its related term are showing as below:
XLIS:MLRZE'
s PS Ratio Range Over the Past 10 Years
Min: 2.07 Med: 4.57 Max: 41.85
Current: 4.87
During the past 10 years, Raize-Instituicao De Pagamentos's highest PS Ratio was 41.85. The lowest was 2.07. And the median was 4.57.
XLIS:MLRZE's PS Ratio is ranked worse than 67.37% of 524
companies
in the Credit Services industry
Industry Median: 2.855
vs XLIS:MLRZE: 4.87
During the past 10 years, Raize-Instituicao De Pagamentos's highest 3-Year average Revenue per Share Growth Rate was 81.70% per year. The lowest was 6.00% per year. And the median was 30.80% per year.
Raize-Instituicao De Pagamentos (XLIS:MLRZE) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Raize-Instituicao De Pagamentos PS Ratio Related Terms
Raize-Instituicao De Pagamentos PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Raize-Instituicao De Pagamentos's PS Ratio distribution charts can be found below:
* The bar in red indicates where Raize-Instituicao De Pagamentos's PS Ratio falls into.
Raize-Instituicao De Pagamentos PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Raize-Instituicao De Pagamentos's Share Price of today is €1.38.
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 €0.31.
* 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:
Raize-Instituicao De Pagamentos (XLIS:MLRZE) has a PS Ratio of 4.39 as of Aug. 08, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Raize-Instituicao De Pagamentos and its competitors. This is near median its historical median of 4.57. Over the past decade, Raize-Instituicao De Pagamentos' PS Ratio has ranged from 2.07 to 41.85. According to the industry distribution chart, Raize-Instituicao De Pagamentos ranks #353 out of 524 companies in the Credit Services industry, placing it in the top 67.4%.
Is Raize-Instituicao De Pagamentos' PS Ratio too high?
Raize-Instituicao De Pagamentos' current PS Ratio of 4.39 is near median its 10-year median of 4.57. Over the past 10 years, this metric has ranged from a low of 2.07 to a high of 41.85. The Credit Services industry median PS Ratio is 2.86. Raize-Instituicao De Pagamentos' value of 4.39 is 53.8% above this industry median. Based on the distribution chart, Raize-Instituicao De Pagamentos ranks #353 out of 524 companies in the Credit Services industry, which is below the industry midpoint. 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' PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Raize-Instituicao De Pagamentos ranks #353 out of 524 companies for PS Ratio. This places Raize-Instituicao De Pagamentos in the lower half of its industry. The industry median PS Ratio is 2.86. Raize-Instituicao De Pagamentos' value of 4.39 is 53.8% above this benchmark. Historically, Raize-Instituicao De Pagamentos' own PS Ratio has ranged from 2.07 to 41.85 over the past decade. While the company's 10-year median is 4.57 vs. the industry median of 2.86, 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.86, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Raize-Instituicao De Pagamentos's current PS Ratio of 4.39 is 53.8% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Raize-Instituicao De Pagamentos and its competitors. For the Credit Services industry, the median PS Ratio is 2.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raize-Instituicao De Pagamentos's current PS Ratio is 4.39, which is near median its own 10-year median of 4.57. 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 €0.89, compared to a current price of €1.38 — trading 55.1% above its estimated fair value. The current PS Ratio is 4.39, which is near median its 10-year median of 4.57 and 53.8% above the Credit Services industry median of 2.86. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current PS Ratio is 4.39 as of Aug. 08, 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 €1.38 is trading 55.1% above its estimated GF Value™ of €0.89.
GuruFocus considers Raize-Instituicao De Pagamentos to be Significantly Overvalued.
Key valuation signals for XLIS:MLRZE:
PS Ratio: 4.39 (near median its 10-year median of 4.57)
GF Value™: €0.89 vs. price of €1.38 (55.1% above fair value)
Industry Position: 53.8% above the Credit Services median (#353 of 524)
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 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
Get the complete analysis for XLIS:MLRZE
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