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Raize-Instituicao De PagamentosXLIS:MLRZE 32 Shareholder Yield % is 1.26% as of Dec. 2025, which is 45% below its 10-year median of 2.29. 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. Among 495 Credit Services companies, Raize-Instituicao De Pagamentos ranks better than 66.26% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, Raize-Instituicao De Pagamentos's Shareholder Yield % was 1.26%.
Raize-Instituicao De Pagamentos (XLIS:MLRZE) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
Raize-Instituicao De Pagamentos Shareholder Yield % Related Terms
Raize-Instituicao De Pagamentos Shareholder Yield % 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 Shareholder Yield % Chart
XLIS:MLRZE vs V, MA, AXP: Shareholder Yield % Comparison
For the Credit Services subindustry, Raize-Instituicao De Pagamentos's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Raize-Instituicao De Pagamentos's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where Raize-Instituicao De Pagamentos's Shareholder Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
Raize-Instituicao De Pagamentos (XLIS:MLRZE) has a Shareholder Yield % of 1.26% as of Dec. 2025. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Raize-Instituicao De Pagamentos and its competitors. This is 45% below median its historical median of 2.29. According to the industry distribution chart, Raize-Instituicao De Pagamentos ranks #167 out of 495 companies in the Credit Services industry, placing it in the top 33.7%.
Is Raize-Instituicao De Pagamentos' Shareholder Yield % too high?
Raize-Instituicao De Pagamentos' current Shareholder Yield % of 1.26% is 45% below median its 10-year median of 2.29. Based on the distribution chart, Raize-Instituicao De Pagamentos ranks #167 out of 495 companies in the Credit Services industry, which is above 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' Shareholder Yield % compare to V and MA?
According to the Credit Services industry distribution chart, Raize-Instituicao De Pagamentos ranks #167 out of 495 companies for Shareholder Yield %. This puts Raize-Instituicao De Pagamentos in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shareholder Yield % for a Credit Services company?
A good Shareholder Yield % depends on the Credit Services industry context. However, Shareholder Yield % 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Raize-Instituicao De Pagamentos and its competitors. Raize-Instituicao De Pagamentos's current Shareholder Yield % is 1.26%, which is 45% below median its own 10-year median of 2.29. 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 Shareholder Yield % is 1.26%, which is 45% below median its 10-year median of 2.29. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For Raize-Instituicao De Pagamentos (XLIS:MLRZE), the current Shareholder Yield % is 1.26% 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:
Shareholder Yield %: 1.26% (45% below median its 10-year median of 2.29)
GF Value™: €0.88 vs. price of €1.55 (76.1% above fair value)
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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