Payoneer Global Inc. (PAYO)
Fair ValueFundamental
65
Price
$7.15
Market Cap
$2.43B
Part 1 · What the company is worth
Overview
Payoneer Global Inc. operates as a financial technology company. The company offers customers with a multi-currency account to serve their cross-border accounts receivable and accounts payable needs through payment infrastructure platform. It delivers a suite of services, such as funds management, working capital, multicurrency accounts, and workforce management. It also provides various payment options with minimal integration required, full back-office functions, and customer support. The company serves small and medium-sized businesses worldwide. Payoneer Global Inc. was founded in 2005 and is headquartered in New York, New York.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated with artificial intelligence on September 19, 2026, shared with all users
PayPal is named in Payoneer's own 10-K as a global digital payment platform competing for the same online sellers, freelancers and marketplaces that need to get paid across borders and hold multiple currencies.
Wise offers the same core product to the same customers — multi-currency business accounts, local receiving details and low-cost cross-border transfers for small firms and freelancers — and is listed as a competitor in Payoneer's 10-K.
Airwallex, a private company cited by name in Payoneer's 10-K, sells global collection accounts, FX and payouts to the same internationally active small and mid-sized businesses.
Ant Group, named as a competitor in Payoneer's 10-K, serves Chinese and Asian e-commerce exporters — Payoneer's largest customer base — with cross-border collection and payout accounts through its WorldFirst business.
Stripe, listed among the merchant service providers Payoneer competes with in its 10-K, wins the same merchant and platform payment volume with Stripe Connect payouts to sellers in dozens of countries.
Balance Sheet & Liquidity
Revenue
$855M
Trailing 12 months (through 6/30/2026)
Net Income
$50M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$207M
Total Equity
$704M
Total Liabilities
$8.25B
Current Ratio
1.00
Interest Coverage
-
Debt/EBITDA
0.08
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$6.63
Current Price
$7.15
Margin of Safety
-7.8%
Fair Value Range
$4.31 - $8.96
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
51.07
ROE
10.4%
P/B Ratio
3.71
P/FCF
13.36
Gross Margin
-
ROIC
10.7%
Profitability Radar
Value Creation (Economic Moat)
ROIC
10.7%
WACC
9.9%
ROIC − WACC
+0.8 pp
ROIC is roughly in line with the cost of capital — the company is barely covering its capital cost.
Fundamental Analysis Criteria
Passed (13)
- EPS shows upward trend
- ROIC 10.7%
- P/FCF 13.36
- Operating margin 13.1%
- Positive free cash flow
- CapEx intensity
- Current ratio
- Debt/EBITDA
- Low reliance on intangibles
- ROE 10.0%
- Earnings quality (operating cash flow / net income) 4.42
- Share dilution -1.4%
- Piotroski F-Score 6/9
Failed (8)
- Price CAGR -5.93%
- P/B ratio 3.71
- Debt/equity ratio
- Return on tangible assets
- Price below Graham Number
- DCF valuation (Overvalued)
- Earnings surprise, average -33.6%
- Net margin trend 5.9% vs 13.0%
Unavailable (5)
- Gross margin –
- Dividend payout –
- Interest coverage
- Revenue growth 5Y
- PEG ratio (needs P/E > 0 and growth > 0)
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. John R. Caplan | CEO & Director | 55 |
| Ms. Beatrice Ordonez C.A. | Chief Financial Officer | 52 |
| Ms. Tsafi Erlich Goldman | Chief Legal & Governance Officer and Corporate Secretary | 60 |
| Mr. Itai Perry | Senior VP of Finance & Principal Accounting Officer | - |
| Mr. Oren Ryngler | Chief Product & Technology Officer | - |
| Ms. Michelle Wang | Vice President of Investor Relations | - |
| Mr. Micheal Sheehy | Chief Compliance Officer | - |
| Mr. John Davis | Chief People Officer | - |
| Mr. Kevin Ambrosini | Chief Strategy Officer | - |
| Mr. Adam Cohen | Chief Growth Officer | - |
Audit Risk
5
Board Risk
3
Compensation Risk
3
Shareholder Rights Risk
3
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much PAYO moves, measured on its daily prices.
More volatile than 0% of the tracked stocks (90-day volatility).
- Volatility 30d
- 4.2%
- Volatility 90d
- 5.2%
- Beta vs S&P 500 (1y)
- 0.94Correlation 0.26
- Max drawdown (12m)
- -33.6%
- ATR (14d, % of price)
- 0.37%
Earnings reactions
How PAYO moved around its past quarterly results.
Next earnings release
Nov 5, 2026 · In 12 days · Before the open
EPS estimate: 0.08Revenue estimate: $285M
What usually happens
- Over the last 12 releases the stock moved a median of 13.9% the next day, up or down.
- Next-day moves: up 5, down 7 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Aug 6, 2026 | During the session | 0.06 | -0.01 | -117.0% | 0.0% | -0.1% | 0.0% |
| May 7, 2026 | During the session | 0.05 | 0.06 | +32.5% | +5.6% | +4.1% | +1.4% |
| Feb 26, 2026 | During the session | 0.06 | 0.05 | -15.1% | -8.9% | -18.5% | -8.8% |
| Nov 5, 2025 | During the session | 0.06 | 0.04 | -34.6% | +0.8% | -5.5% | -2.8% |
| Aug 6, 2025 | During the session | n/a | n/a | n/a | +12.0% | +14.2% | +4.3% |
| May 7, 2025 | During the session | n/a | n/a | n/a | -9.7% | -13.6% | +4.6% |
| Feb 27, 2025 | During the session | n/a | n/a | n/a | -15.9% | -14.7% | -18.1% |
| Nov 5, 2024 | During the session | n/a | n/a | n/a | +9.3% | +20.9% | +21.9% |
| Aug 7, 2024 | During the session | n/a | n/a | n/a | +12.4% | +23.2% | +35.2% |
| May 8, 2024 | During the session | n/a | n/a | n/a | +9.6% | +12.6% | +12.3% |
| Feb 28, 2024 | During the session | n/a | n/a | n/a | -17.3% | -19.6% | -18.2% |
| Nov 8, 2023 | During the session | n/a | n/a | n/a | -4.2% | -2.1% | -0.3% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on PAYO and what the price did next.
- 2/25/2026PositivePayoneer joins rush of fintechs bidding for US bank charters
- +1 day
- +3.3%
- +3 days
- -13.9%
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for PAYO.
- 2/26/2026NEUTRALPayoneer (PAYO) Q4 2025 Earnings Call Transcript
The financial community was keenly awaiting the publication of the Payoneer (PAYO) Q4 2025 earnings call transcript. However, detailed information regarding the content of this call has not been made publicly available. This prevents investors from thoroughly analyzing the company's financial performance, future projections, and any operational strategies discussed by management. Earnings conference calls are critical moments for the market, offering transparency and guiding shareholder expectations. The lack of immediate access to this key data leaves market participants awaiting further clarification to assess Payoneer's trajectory and outlook.
- 2/25/2026POSITIVEPayoneer joins rush of fintechs bidding for US bank charters
Payoneer, a prominent digital payments company, is joining the growing cohort of fintech firms vying for a US bank charter. This strategic move, which also sees industry players like Coinbase and Crypto.com (the latter having received conditional approval) in the running, signals an acceleration within the sector towards integrating traditional financial services with innovative digital solutions. For investors, securing a bank charter would represent a significant growth catalyst for Payoneer, enabling the company to broaden its product offerings, enhance its regulatory standing, and attract a wider customer base, thereby bolstering confidence in its business model and its potential for expansion within the US financial market.