Raize Servicos de Gestao SA (MLRZE) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Raize Servicos de Gestao SA €0.52, price €1.55, upside -66.5%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range €0.5300 – €1.55 · fair‑value band €0.5000 – €0.5600 · the €1.55 price screens above the €0.5200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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. It also provides business loans, such as working capital and investment, and start up loans; and investment platform.
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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. 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 €1.55, while our model-based Fair Value estimate is €0.5200, implying the stock looks roughly 198.1% overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of €1.26 per share, and 1 of the 4 models we run sit above the €1.55 price.
Bear case: the DCF Models group reads lowest at €0.5400, and 3 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: €0.5000 (bear) to €0.5600 (bull), the price of €1.55 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 61/100 (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 €1.3M in FY2024 versus €561K in FY2020, a compound +23.4%/yr. Reported net income was −€30.3K in FY2024.
Key figures
Market cap €7.8M · P/S ratio 4.57 · EPS (TTM) €−0.0100 · Net margin −2.3% · Return on equity 1.7% · Return on assets 0.1% · Operating margin 0.5% · Revenue (TTM) €1.5M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 118% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −66%, MLRZE screens richer than that median.
Fair Value models
Bear €0.5000Fair Value €0.5200Bull €0.5600
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.73/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+6.3%
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.
+6.0%
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.
+18.1%
Revenue growth 6 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.
+18.3%
’18
’19
’20
’21
’22
’23
’24
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2024 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
+13.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +10.8% a year for the price.
Compare Raize Servicos de Gestao SA with another stock
Price, fair value, quality and upside side by side.
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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 · 331 stocks
Beats the industry median on 1/10 measures
Overall it trails its industry peers.
Valuation
Quality Score67 · Top 25%
Fair Value upside−67% · Bottom 25%
Profitability
Return on equity (TTM)2% · Below median
Return on assets0% · Bottom 25%
Net margin (TTM)1% · Bottom 25%
Operating margin (TTM)1% · Bottom 25%
Growth and dividend
Revenue growth0% · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/B29.60× · Priciest 25%
P/S (TTM)5.76× · Priciest 25%
P/FCF33.5× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 49
FUTURE (revenue growth)0· sector 36
PAST (return on equity)7· sector 32
HEALTH (low debt)0· sector 59
DIVIDEND (yield)0· sector 68
VALUE 0: the price sits above our fair-value range.
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 Sep 23, 2026, our model estimates a fair value of €0.5200 versus a price of €1.55, about −66% upside (overvalued).
What is the fair value of MLRZE?
Our model-based fair value for Raize Servicos de Gestao SA is €0.5200 (as of Sep 23, 2026), built from audited fundamentals. The current price: €1.55.
What is the quality score of MLRZE?
Raize Servicos de Gestao SA has a Quality Score of 61/100. 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 €0.5200 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario €0.5000, optimistic scenario €0.5600. 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 €0.5200, about −66% upside versus a price of €1.55 (overvalued). Cautious scenario €0.5000, optimistic scenario €0.5600. 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 Sep 23, 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 +13.2 % per year for five years (discount rate 11.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +18.1 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of MLRZE use?
Our models discount Raize Servicos de Gestao SA at 11.1 %: a base by market capitalisation (nano), 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 +13.2 % per year a year over ten years, using the same discount rate (11.1 %) 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 +18.1 % a year. The price currently implies +13.2 % per year free-cash-flow growth a 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 +8.4 % a year. That is the yardstick for the growth priced into Raize Servicos de Gestao SA (+13.2 % per year a 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 3.40 %: 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 (11.1 %), 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 €0.5200 per share (as of Sep 23, 2026), against a price of €1.55. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Raize Servicos de Gestao SA stock overvalued or undervalued in 2026?
As of Sep 23, 2026, MLRZE trades above its calculated fair value: price €1.55, fair value €0.5200, a gap of about −66% (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 (€1.55); the fair value is what the company's own numbers justify (€0.5200). For Raize Servicos de Gestao SA the two are €1.03 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 €7.8M (market capitalisation, as of Sep 23, 2026). Per share that is €1.55; our models calculate a fair value of €0.5200 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 €0.5000, base €0.5200, optimistic €0.5600 per share (as of Sep 23, 2026, price €1.55). 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 Sep 23, 2026): return on equity 1.7%. They feed the Quality Score of 61/100, 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 €1.55, at its 52-week high of €1.55 and 118% above the low of €0.7100 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €0.5200 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 Sep 23, 2026: price €1.55, calculated fair value €0.5200 (−66%), Quality Score 61/100, from 4 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 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €0.5200, 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 13.0 % 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 Sep 24, 2026 was €1.55. Our model-based fair value is €0.5200, about −66% upside (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 (€0.5600). 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 (61/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band (€0.5000 to €0.5600), unusually little disagreement for a valuation.
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 €7.8M. 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 4.57 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Raize Servicos de Gestao SA (MLRZE)?
Earnings per share at Raize Servicos de Gestao SA are €−0.0100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Raize Servicos de Gestao SA (MLRZE)?
The net margin of Raize Servicos de Gestao SA is −2.3% (fiscal year 2024). 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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