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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Raize-Instituicao De Pagamentos's annualizedNet Income for the quarter that ended in Dec. 2025 was €0.02 Mil.
Raize-Instituicao De Pagamentos's average Total Assets over the quarter that ended in Dec. 2025 was €6.74 Mil. Therefore, Raize-Instituicao De Pagamentos's annualized ROA % for the quarter that ended in Dec. 2025 was 0.33%.
XLIS:MLRZE'
s ROA % Range Over the Past 10 Years
Min: -9.49 Med: -1.11 Max: 1.87
Current: 0.33
During the past 10 years, Raize-Instituicao De Pagamentos's highest ROA % was 1.87%. The lowest was -9.49%. And the median was -1.11%.
XLIS:MLRZE's ROA % is ranked worse than 72.26% of 548
companies
in the Credit Services industry
Industry Median: 1.93
vs XLIS:MLRZE: 0.33
Raize-Instituicao De Pagamentos (XLIS:MLRZE) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Raize-Instituicao De Pagamentos ROA % Related Terms
Raize-Instituicao De Pagamentos ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Raize-Instituicao De Pagamentos's ROA % distribution charts can be found below:
* The bar in red indicates where Raize-Instituicao De Pagamentos's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Raize-Instituicao De Pagamentos (XLIS:MLRZE) has a ROA % of 0.33% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Raize-Instituicao De Pagamentos and its competitors. According to the industry distribution chart, Raize-Instituicao De Pagamentos ranks #396 out of 548 companies in the Credit Services industry, placing it in the top 72.3%.
Is Raize-Instituicao De Pagamentos' ROA % too high?
Raize-Instituicao De Pagamentos' current ROA % is 0.33%. The Credit Services industry median ROA % is 1.93. Raize-Instituicao De Pagamentos' value of 0.33% is 82.9% below this industry median. Based on the distribution chart, Raize-Instituicao De Pagamentos ranks #396 out of 548 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' ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Raize-Instituicao De Pagamentos ranks #396 out of 548 companies for ROA %. This places Raize-Instituicao De Pagamentos in the lower half of its industry. The industry median ROA % is 1.93. Raize-Instituicao De Pagamentos' value of 0.33% is 82.9% 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Raize-Instituicao De Pagamentos's current ROA % of 0.33% is 82.9% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Raize-Instituicao De Pagamentos and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raize-Instituicao De Pagamentos's current ROA % is 0.33%. 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 ROA % is 0.33% and 82.9% below the Credit Services industry median of 1.93. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current ROA % is 0.33% 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:
ROA %: 0.33%
GF Value™: €0.88 vs. price of €1.55 (76.1% above fair value)
Industry Position: 82.9% below the Credit Services median (#396 of 548)
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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