Raize Servicos de Gestao SA (MLRZE) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Raize Servicos de Gestao SA stock €0.82, price €1.44, that is 43.1% below the price, quality 53 out of 100. Rating: strongly overvalued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range €0.5300 – €1.55 · fair‑value band €0.7300 – €0.9200 · the €1.44 price screens above the €0.8200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 7, 2026.
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Raize - Instituição de Pagamentos, S.A. operates as a payment institution in Portugal. The company offers service platform that monitors transfers, payments, and receipts of customer funds.
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It also provides business loans, such as working capital and investment, and start up loans; and investment platform. In addition, the company manages crowdfunding platforms; provides life and non-life insurance brokerage; and develops technological procedures.
Raize - Instituição de Pagamentos, S.A. was incorporated in 2013 and is headquartered in Lisbon, Portugal.
Stock analysis
Raize Servicos de Gestao SA (MLRZE) currently trades at €1.44, while our model-based Fair Value estimate is €0.8200, 43% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of €1.66 per share, and 1 of the 10 models we run sit above the €1.44 price.
Bear case: the Earnings-Based group reads lowest at €0.1350, and 9 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: €0.7300 (bear) to €0.9200 (bull), the price of €1.44 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Raize Servicos de Gestao SA reported revenue of €1.6M in FY2025 versus €1.1M in FY2021, a compound +9.4%/yr. Reported net income was €22.4K in FY2025, compounding −22.4%/yr from FY2021.
Key figures
Market cap €7.2M Micro · P/S ratio 4.67 · Net margin 1.5% · Return on equity 1.7% · Return on assets 0.1% · Operating margin 0.5% · Revenue (TTM) €1.5M · Free cash flow €263K.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 23 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 100% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at −43%, MLRZE screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (€0.0600 to €1.88). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear€0.7300Fair Value €0.8200Bull€0.9200
Price €1.44 · Downside -43.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.90/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+20.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.8%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.6%
’18
’19
’20
’21
’22
’23
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’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−18.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−18.4%
Dividend (yield on the price)0.0%
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
The company could shrink this much every year for the next five years and today's price would still be justified.
Compare Raize Servicos de Gestao SA with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 0/10 measures
Overall it trails its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside−43.1% · Bottom 25%
Profitability
Return on equity (12 months)1.7% · Bottom 25%
Return on assets0.2% · Bottom 25%
Net margin (12 months)1.5% · Bottom 25%
Operating margin (12 months)0.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)0.0% · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Raize Servicos de Gestao SA Fair Value". https://www.fairvalue-calculator.com/stock/MLRZE
Frequently asked questions
Is Raize Servicos de Gestao SA (MLRZE) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of €0.8200 versus a price of €1.44, about 43% lower (overvalued).
What is the fair value of MLRZE?
Our model-based fair value for Raize Servicos de Gestao SA is €0.8200 (as of Nov 7, 2026), built from audited fundamentals. The current price: €1.44.
What is the quality score of MLRZE?
Raize Servicos de Gestao SA has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Raize Servicos de Gestao SA (MLRZE)?
Our model-based price target is the fair value of €0.8200 (as of Nov 7, 2026) from 10 valuation models. Cautious scenario €0.7300, optimistic scenario €0.9200. It is a calculation from audited fundamentals, not an analyst target.
What is the Raize Servicos de Gestao SA stock forecast for 2026?
Our models put fair value at €0.8200, about 43% lower versus a price of €1.44 (overvalued). Cautious scenario €0.7300, optimistic scenario €0.9200. The calculation is refreshed regularly with new filings.
What is the revenue of Raize Servicos de Gestao SA (MLRZE)?
Raize Servicos de Gestao SA reported trailing-twelve-month revenue of about €1.5M (latest available figure, as of Nov 7, 2026).
What growth is priced into Raize Servicos de Gestao SA (MLRZE)?
For today's price to be fair in a discounted-cash-flow model, Raize Servicos de Gestao SA would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +22.8 % per year. As of Nov 7, 2026.
What discount rate (WACC) does the fair value of MLRZE use?
Our models discount Raize Servicos de Gestao SA at 9.7 %: a base by market capitalisation (nano), damped by beta 0.03, country premium for Portugal. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Raize Servicos de Gestao SA that is less than minus 40 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Raize Servicos de Gestao SA (MLRZE) delivered so far?
Over the past 5 years revenue at Raize Servicos de Gestao SA grew +22.8 % a year. The price currently implies free-cash-flow growth of less than minus 40 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Raize Servicos de Gestao SA (MLRZE) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Raize Servicos de Gestao SA (less than minus 40 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Raize Servicos de Gestao SA (MLRZE)?
The free-cash-flow yield on the price is 3.66 %: that much free cash flow Raize Servicos de Gestao SA produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Raize Servicos de Gestao SA (MLRZE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Raize Servicos de Gestao SA it is €0.8200 per share (as of Nov 7, 2026), against a price of €1.44. It is the blended result of 10 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Raize Servicos de Gestao SA stock overvalued or undervalued in 2026?
As of Nov 7, 2026, MLRZE trades above its calculated fair value: price €1.44, fair value €0.8200, a gap of about −43% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MLRZE?
No. The price is what the market pays today (€1.44); the fair value is what the company's own numbers justify (€0.8200). For Raize Servicos de Gestao SA the two are €0.6200 per share apart. That gap is exactly why we show both numbers side by side.
How much is Raize Servicos de Gestao SA worth?
The market values Raize Servicos de Gestao SA at about €7.2M (market capitalisation, as of Nov 7, 2026). Per share that is €1.44; our models calculate a fair value of €0.8200 per share.
What do the bullish and bearish scenarios say about MLRZE?
Our models span a range for Raize Servicos de Gestao SA: cautious scenario €0.7300, base €0.8200, optimistic €0.9200 per share (as of Nov 7, 2026, price €1.44). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Raize Servicos de Gestao SA (MLRZE)?
Balance-sheet figures for Raize Servicos de Gestao SA (as of Nov 7, 2026): return on equity 1.7%. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is MLRZE from its 52-week high?
Raize Servicos de Gestao SA trades at €1.44, about 7% below its 52-week high of €1.55 and 100% above the low of €0.7200 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €0.8200 is for.
Which stocks are comparable to Raize Servicos de Gestao SA?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Raize Servicos de Gestao SA stock attractive at the current price?
The data as of Nov 7, 2026: price €1.44, calculated fair value €0.8200 (−43%), Quality Score 53/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MLRZE calculated?
We run Raize Servicos de Gestao SA through 10 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of €0.8200 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Raize Servicos de Gestao SA itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Raize Servicos de Gestao SA (MLRZE)?
The closing price on Nov 6, 2026 was €1.44. Our model-based fair value is €0.8200, about 43% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Raize Servicos de Gestao SA right now?
The price sits above even our optimistic bull case (€0.9200). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Raize Servicos de Gestao SA
How large is the market capitalisation of Raize Servicos de Gestao SA (MLRZE)?
The market capitalisation of Raize Servicos de Gestao SA is €7.2M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Raize Servicos de Gestao SA (MLRZE)?
The price-to-sales ratio of Raize Servicos de Gestao SA is 4.67 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Raize Servicos de Gestao SA (MLRZE)?
The net margin of Raize Servicos de Gestao SA is 1.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Raize Servicos de Gestao SA (MLRZE)?
The return on equity (ROE) of Raize Servicos de Gestao SA is 1.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Raize Servicos de Gestao SA (MLRZE)?
The return on assets (ROA) of Raize Servicos de Gestao SA is 0.1% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Raize Servicos de Gestao SA (MLRZE)?
The operating margin of Raize Servicos de Gestao SA is 0.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
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Nov 7, 2026