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XLIS:MLRZE'
s ROE % Range Over the Past 10 Years
Min: -33.87 Med: -8.93 Max: 15.56
Current: 1.67
During the past 10 years, Raize-Instituicao De Pagamentos's highest ROE % was 15.56%. The lowest was -33.87%. And the median was -8.93%.
XLIS:MLRZE's ROE % is ranked worse than 69.68% of 531
companies
in the Credit Services industry
Industry Median: 6.67
vs XLIS:MLRZE: 1.67
Raize-Instituicao De Pagamentos (XLIS:MLRZE) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Raize-Instituicao De Pagamentos ROE % Related Terms
Raize-Instituicao De Pagamentos ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Raize-Instituicao De Pagamentos's ROE % distribution charts can be found below:
* The bar in red indicates where Raize-Instituicao De Pagamentos's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Raize-Instituicao De Pagamentos (XLIS:MLRZE) has a ROE % of 1.67% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Raize-Instituicao De Pagamentos and its competitors. According to the industry distribution chart, Raize-Instituicao De Pagamentos ranks #370 out of 531 companies in the Credit Services industry, placing it in the top 69.7%.
Is Raize-Instituicao De Pagamentos' ROE % too high?
Raize-Instituicao De Pagamentos' current ROE % is 1.67%. The Credit Services industry median ROE % is 6.67. Raize-Instituicao De Pagamentos' value of 1.67% is 75% below this industry median. Based on the distribution chart, Raize-Instituicao De Pagamentos ranks #370 out of 531 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' ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Raize-Instituicao De Pagamentos ranks #370 out of 531 companies for ROE %. This places Raize-Instituicao De Pagamentos in the lower half of its industry. The industry median ROE % is 6.67. Raize-Instituicao De Pagamentos' value of 1.67% is 75% 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.67, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Raize-Instituicao De Pagamentos's current ROE % of 1.67% is 75% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Raize-Instituicao De Pagamentos and its competitors. For the Credit Services industry, the median ROE % is 6.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Raize-Instituicao De Pagamentos's current ROE % is 1.67%. 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 ROE % is 1.67% and 75% below the Credit Services industry median of 6.67. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current ROE % is 1.67% 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:
ROE %: 1.67%
GF Value™: €0.88 vs. price of €1.55 (76.1% above fair value)
Industry Position: 75% below the Credit Services median (#370 of 531)
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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