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Raize - Instituição de Pagamentos, S.A (MLRZE) Fair Value & Analysis

Financial Services · PT · Market cap €7.0M

Price€1.38
Fair Value€0.4800
Upside-65.2%
Quality92/100
Evidence: Medium Range €0.4700 – €0.4800

Fair value as of: Jun 26, 2026

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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. We read business quality at 92/100 (high 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).

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. 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.

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Frequently asked questions

Is Raize - Instituição de Pagamentos, S.A (MLRZE) undervalued?
As of Jun 26, 2026, our model estimates a fair value of €0.4800 versus a price of €1.38 — about −65% (overvalued). Model-based estimate, not financial advice.
What is the fair value of MLRZE?
Our 21-model fair value for Raize - Instituição de Pagamentos, S.A is €0.4800 (as of Jun 26, 2026), built from audited fundamentals. The current price is €1.38.
What is the quality score of MLRZE?
Raize - Instituição de Pagamentos, S.A has a Quality Score of 92/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.