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

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.
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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
32 GF Score
Price €1.55
GF Value €0.88
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Raize-Instituicao De Pagamentos ROC %?

Raize-Instituicao De Pagamentos XLIS:MLRZE 32 ROC % is % as of Dec. 2025. GuruFocus rates XLIS:MLRZE with a GF Score™ of 32/100 and a GF Value™ of €0.88 (Significantly Overvalued). The stock has 3 warning signs investors should review.

ROC %does not apply to banks.

XLIS:MLRZE
32GF Score
Raize-Instituicao De Pagamentos SA XLIS:MLRZE
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Raize-Instituicao De Pagamentos (XLIS:MLRZE) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Raize-Instituicao De Pagamentos and its competitors.
Is Raize-Instituicao De Pagamentos' ROC % too high?
Raize-Instituicao De Pagamentos' current ROC % is %. 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' ROC % compare to V and MA?
Raize-Instituicao De Pagamentos' ROC % of % can be compared against companies in the Credit Services industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 1.98, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Raize-Instituicao De Pagamentos and its competitors. For the Credit Services industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raize-Instituicao De Pagamentos's current ROC % 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 €0.88, compared to a current price of €1.55 — trading 76.1% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current ROC % 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 €1.55 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:

  • ROC %: %
  • GF Value™: €0.88 vs. price of €1.55 (76.1% above fair value)
  • GF Score™: 32/100 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.
32GF Score

Get the complete analysis for XLIS:MLRZE

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

€1.55
Price
€0.88
GF Value