Raize - Instituição de Pagamentos, S.A (MLRZE) Fair Value & Analysis
Financial Services · PT · Market cap €7.0M
Fair value as of: Jul 27, 2026
From 4 valuation models · updated 14 days ago
Share price −1.4% over the past month.
A solid business, but screening 65% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (€0.4800). The favourable scenario is already priced in.
- 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 (€0.4700 to €0.4800), unusually little disagreement for a valuation.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
60‑month range €0.5300 – €1.50 · fair‑value band €0.4700 – €0.4800 · the €1.38 price screens above the €0.4800 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Raize - Instituição de Pagamentos, S.A (MLRZE) currently trades at €1.38, while our model-based Fair Value estimate is €0.4800, implying the stock looks roughly 65.2% overvalued today. The Quality Score stands at 61/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Raize - Instituição de Pagamentos, S.A generated revenue of €1.5M at a net margin of 1.5%. It earns a return on equity of 1.7%. Fundamentals as of Jul 27, 2026
Our scenario range runs from €0.4700 (bear case) to €0.4800 (bull case); at €1.38, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 8% below its 52-week high and 116% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -65%, MLRZE screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Growth DCF (€1.16) versus Asset-Based (€0.0400). Highest evidence: Growth DCF (72).
Notify me when MLRZE reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 68 · Market factors (momentum, volatility) 79
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2020 – FY2024 · reported fiscal years
Raize - Instituição de Pagamentos, S.A reported revenue of €1.3M in FY2024 versus €561K in FY2020, a compound +23.4%/yr. Reported net income was −€30.3K in FY2024.
MLRZE screens 65% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 331 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
Compare Raize - Instituição de Pagamentos, S.A with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Raize - Instituição de Pagamentos, S.A (MLRZE) overvalued or undervalued?
What is the fair value of MLRZE?
What is the quality score of MLRZE?
What is the revenue of Raize - Instituição de Pagamentos, S.A (MLRZE)?
What is the net profit margin of MLRZE?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Raize - Instituição de Pagamentos, S.A and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.