Raize-Instituicao De Pagamentos (XLIS:MLRZE) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

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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 ROC (Joel Greenblatt) %?

Raize-Instituicao De Pagamentos XLIS:MLRZE 29 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates XLIS:MLRZE with a GF Score™ of 29/100 and a GF Value™ of €0.89 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 417 Credit Services companies, Raize-Instituicao De Pagamentos ranks worse than 239807.91% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

XLIS:MLRZE
29GF Score
Raize-Instituicao De Pagamentos SA XLIS:MLRZE
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Raize-Instituicao De Pagamentos (XLIS:MLRZE) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Raize-Instituicao De Pagamentos and its competitors. According to the industry distribution chart, Raize-Instituicao De Pagamentos ranks #999999 out of 417 companies in the Credit Services industry.
Is Raize-Instituicao De Pagamentos' ROC (Joel Greenblatt) % too high?
Raize-Instituicao De Pagamentos' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Raize-Instituicao De Pagamentos ranks #999999 out of 417 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 29/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Raize-Instituicao De Pagamentos' ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Raize-Instituicao De Pagamentos ranks #999999 out of 417 companies for ROC (Joel Greenblatt) %. This places Raize-Instituicao De Pagamentos in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 27.73. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 27.73, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Raize-Instituicao De Pagamentos and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 27.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raize-Instituicao De Pagamentos's current ROC (Joel Greenblatt) % is %. 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 €1.34 — trading 50.6% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Raize-Instituicao De Pagamentos' overall GF Score™ is 29/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current ROC (Joel Greenblatt) % is % 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 €1.34 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:

  • ROC (Joel Greenblatt) %: %
  • 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.34
Price
€0.89
GF Value