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The historical rank and industry rank for Raize-Instituicao De Pagamentos's Return-on-Tangible-Equity or its related term are showing as below:
XLIS:MLRZE'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -47.73 Med: -12.31 Max: 19.5
Current: 2.35
During the past 10 years, Raize-Instituicao De Pagamentos's highest Return-on-Tangible-Equity was 19.50%. The lowest was -47.73%. And the median was -12.31%.
XLIS:MLRZE's Return-on-Tangible-Equity is ranked worse than 67.74% of 527
companies
in the Credit Services industry
Industry Median: 7.06
vs XLIS:MLRZE: 2.35
Raize-Instituicao De Pagamentos (XLIS:MLRZE) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Raize-Instituicao De Pagamentos Return-on-Tangible-Equity Related Terms
Raize-Instituicao De Pagamentos Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
XLIS:MLRZE vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Raize-Instituicao De Pagamentos's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Raize-Instituicao De Pagamentos's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Raize-Instituicao De Pagamentos's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 2.35% mean?
Raize-Instituicao De Pagamentos (XLIS:MLRZE) has a Return-on-Tangible-Equity of 2.35% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Raize-Instituicao De Pagamentos and its competitors. According to the industry distribution chart, Raize-Instituicao De Pagamentos ranks #357 out of 527 companies in the Credit Services industry, placing it in the top 67.7%.
Is Raize-Instituicao De Pagamentos' Return-on-Tangible-Equity too high?
Raize-Instituicao De Pagamentos' current Return-on-Tangible-Equity is 2.35%. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Raize-Instituicao De Pagamentos' value of 2.35% is 66.7% below this industry median. Based on the distribution chart, Raize-Instituicao De Pagamentos ranks #357 out of 527 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' Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Raize-Instituicao De Pagamentos ranks #357 out of 527 companies for Return-on-Tangible-Equity. This places Raize-Instituicao De Pagamentos in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.06. Raize-Instituicao De Pagamentos' value of 2.35% is 66.7% 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Raize-Instituicao De Pagamentos's current Return-on-Tangible-Equity of 2.35% is 66.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Raize-Instituicao De Pagamentos and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raize-Instituicao De Pagamentos's current Return-on-Tangible-Equity is 2.35%. 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 Return-on-Tangible-Equity is 2.35% and 66.7% below the Credit Services industry median of 7.06. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current Return-on-Tangible-Equity is 2.35% 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 €1.38 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:
Return-on-Tangible-Equity: 2.35%
GF Value™: €0.89 vs. price of €1.38 (55.1% above fair value)
Industry Position: 66.7% below the Credit Services median (#357 of 527)
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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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