Raize-Instituicao De Pagamentos (XLIS:MLRZE) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XLIS:MLRZE Raize-Instituicao De Pagamentos SA XLIS:MLRZE
29 GF Score
Price €1.34
GF Value €0.89
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Raize-Instituicao De Pagamentos Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Raize-Instituicao De Pagamentos Quality Rank Related Terms

XLIS:MLRZE
29GF Score
Raize-Instituicao De Pagamentos SA XLIS:MLRZE
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 €1.34 is trading 50.6% above its estimated GF Value™ of €0.89. GuruFocus considers Raize-Instituicao De Pagamentos to be Significantly Overvalued.

Key valuation signals for XLIS:MLRZE:

  • Quality Rank:
  • GF Value™: €0.89 vs. price of €1.34 (50.6% above fair value)
  • GF Score™: 29/100 with 3 warning signs

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

Address Rua Tierno Galvan, Amoreiras, Tower 3, 17th floor, Lisbon, PRT, 1070-274
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.
29GF Score

Get the complete analysis for XLIS:MLRZE

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.34
Price
€0.89
GF Value