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MLRZE.LS$1.40+0.00%
Fair $1.40+0.0%

MLRZE.LS

Raize - Instituição de Pagamentos, S.A.

Financial Services / Credit ServicesLisbon

$1.40

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $1.40Fund rank 31/100 · Data gapFallback financials|
SA 37/D
F-Score: 5/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 31/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 33/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

37/100

D

Piotroski

5/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is -10.2%, below the 5% threshold
Thesis & Journal · MLRZE.LSLocal privado en este navegador · Raize - Instituição de Pagamentos, S.A.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$7M

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-10.2%

↓

Gross Margin

N/A

•

Debt/Equity

0.16

↓
52-Week Range$1
$1$2

TradingView lightweight chart

MLRZE.LS price, volumen y niveles de valoración

Último $1.400Periodo -41.2%
Fair value: $1.400

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2021–2024 · 3 años de histórico normalizado

Revenue CAGR

+6.0%

FCF CAGR

-12.4%

FCF margin

20.2%

FCF / Net income

-8.70x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $1.3M · net income $-30286.4 · FCF $263493.0

2021-FY → 2024-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

-2.3%-8.0% pts

FCF margin

20.2%-15.6% pts
MetricTTM
2024
2023
2022
2021
Income Statement
Revenue$1.3M$1.3M$1.2M$1.3M$1.1M
Net Income$-30286.41$-30286.41$-47978.27$21167.24$61889.95
EPS-0.01-0.01-0.010.000.01
Net Margin-2.3%-2.3%-3.9%1.7%5.7%
Balance Sheet
Debt/Equity0.160.160.270.360.13
Current Ratio18.4018.40———
Cash Flow
Free Cash Flow$263492.99$263492.99$-1.1M$247979.08$392491.30
Returns
ROE-10.2%-10.2%-14.6%5.0%14.7%
Valuation
P/E———210.25104.22
P/B14.2314.238.4810.5015.29
Growth & Yield
Revenue Growth6.3%6.3%-3.8%16.5%—
EPS Growth0.0%0.0%-336.2%-65.8%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +102.9%

Total return

+102.9%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.01 → -0.01

Residual

+102.9%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term+102.9%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.