PAYO Stock Analysis: Payoneer Global | NASDAQ
Software - Infrastructure | NASDAQ, USA | Market Cap: 2.396m USD | 12M Return: 4.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 53.8M
EPS Trend: 57.2%
Qual. Beats: 0
Rev. Trend: 97.6%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 5.7 years of data
Average return per month, with how dependable it is below — did the month move the same way every year (high) or randomly (low). Above 60 is a pattern worth trusting; under 40 is noise.
Payoneer Global Inc. (NASDAQ: PAYO) is a U.S.-based financial technology company that provides cross-border payment solutions primarily to small and medium-sized businesses worldwide. Founded in 2005 and headquartered in New York, the company operates a payment infrastructure platform offering multi-currency accounts, funds management, working capital, and workforce management services. It completed its IPO in June 2021 and is classified within the GICS Transaction & Payment Processing Services sub-industry.
Payoneers business model centers on enabling SMBs to manage international accounts receivable and accounts payable through integrated payment tools with minimal integration requirements, back-office functions, and customer support. The company operates within the broader cross-border payments and SMB-focused fintech segment, which has expanded alongside growth in global e-commerce, digital marketplaces, and remote work, serving freelancers, online sellers, and B2B clients across international markets.
- Cross-border SMB payment volume growth accelerates transaction revenue
- Foreign exchange margins compress under rising competition from Wise
- Share repurchase program supports earnings amid working capital expansion
| Net Income: 72.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.62 > 1.0 |
| NWC/Revenue: -3.60% < 20% (prev -1.82%; Δ -1.77% < -1%) |
| CFO/TA 0.03 > 3% & CFO 231.6m > Net Income 72.2m |
| Net Debt (-259.3m) to EBITDA (205.0m): -1.27 < 3 |
| Current Ratio: 1.00 > 1.5 & < 3 |
| Outstanding Shares: last quarter (350.5m) vs 12m ago -8.31% < -2% |
| Gross Margin: 81.31% > 18% (prev 84.19%; Δ -2.88% > 0.5%) |
| Asset Turnover: 13.22% > 50% (prev 13.19%; Δ 0.03% > 0%) |
| Interest Coverage Ratio: 15.06 > 6 (EBIT TTM 122.6m / Interest Expense TTM 8.14m) |
| A: -0.00 (Total Current Assets 7.72b - Total Current Liabilities 7.76b) / Total Assets 8.60b |
| B: 0.02 (Retained Earnings 198.7m / Total Assets 8.60b) |
| C: 0.02 (EBIT TTM 122.6m / Avg Total Assets 8.07b) |
| D: 0.08 (Book Value of Equity 659.1m / Total Liabilities 7.94b) |
| Altman-Z'' = 0.24 = B |
| DSRI: 1.08 (Receivables 82.2m/71.0m, Revenue 1.07b/996.1m) |
| GMI: 1.04 (GM 84.19% / 81.31%) |
| AQI: 0.85 (AQ_t 0.09 / AQ_t-1 0.11) |
| SGI: 1.07 (Revenue 1.07b / 996.1m) |
| TATA: -0.02 (NI 72.2m - CFO 231.6m) / TA 8.60b) |
| Beneish M = -2.97 (Cap -4..+1) = A |
As of June 30, 2026, the stock is trading at USD 7.09 with a total of 5,013,911 shares traded. Over the past week, the price has changed by +1.57%, over one month by +44.04%, over three months by +42.89% and over the past year by +4.55%.
Current recommended Stop Loss: 6.80 (which is 4.1% or 1.5 ATR below the current price).
Payoneer Global has received a consensus analysts rating of 4.44. Therefore, it is recommended to buy PAYO.
- StrongBuy: 5
- Buy: 3
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 7.4 | 4.4% |
P/E Trailing = 35.425
P/S = 2.2441
P/B = 3.6381
Revenue TTM = 1.07b USD
EBIT TTM = 122.6m USD
EBITDA TTM = 205.0m USD
Long Term Debt = 73.2m USD (estimated: total debt 80.0m - short term 6.87m)
Short Term Debt = 6.87m USD (from shortTermDebt, last quarter)
Debt = 80.0m USD (from shortLongTermDebtTotal, last quarter) (leases 80.0m already included)
Net Debt = -259.3m USD (calculated: Debt 80.0m - CCE 339.4m)
Enterprise Value = 2.14b USD (2.40b + Debt 80.0m - CCE 339.4m)
Interest Coverage Ratio = 15.06 (Ebit TTM 122.6m / Interest Expense TTM 8.14m)
EV/FCF = 10.86x (Enterprise Value 2.14b / FCF TTM 196.8m)
FCF Yield = 9.21% (FCF TTM 196.8m / Enterprise Value 2.14b)
FCF Margin = 18.43% (FCF TTM 196.8m / Revenue TTM 1.07b)
Net Margin = 6.76% (Net Income TTM 72.2m / Revenue TTM 1.07b)
Gross Margin = 81.31% ((Revenue TTM 1.07b - Cost of Revenue TTM 199.6m) / Revenue TTM)
Gross Margin QoQ = 79.31% (prev 77.29%)
Tobins Q-Ratio = 0.25 (Enterprise Value 2.14b / Total Assets 8.60b)
Interest Expense / Debt = 10.17% (Interest Expense 8.14m / Debt 80.0m)
Taxrate = 38.32% (44.8m / 117.0m)
NOPAT = 75.6m (EBIT 122.6m * (1 - 38.32%))
Current Ratio = 1.00 (Total Current Assets 7.72b / Total Current Liabilities 7.76b)
Debt / Equity = 0.12 (Debt 80.0m / totalStockholderEquity, last quarter 659.1m)
Debt / EBITDA = -1.27 (Net Debt -259.3m / EBITDA 205.0m)
Debt / FCF = -1.32 (Net Debt -259.3m / FCF TTM 196.8m)
Total Stockholder Equity = 721.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.89% (Net Income 72.2m / Total Assets 8.60b)
RoE = 10.01% (Net Income TTM 72.2m / Total Stockholder Equity 721.2m)
RoCE = 15.43% (EBIT 122.6m / Capital Employed (Equity 721.2m + L.T.Debt 73.2m))
RoIC = 9.58% (NOPAT 75.6m / Invested Capital 789.6m)
WACC = 8.06% (E(2.40b)/V(2.48b) * Re(8.12%) + D(80.0m)/V(2.48b) * Rd(10.17%) * (1-Tc(0.38)))
Discount Rate = 8.12% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -33.33 | Cagr: -3.52%
[DCF] Terminal Value 77.97% ; FCFF base≈168.3m ; Y1≈192.9m ; Y5≈283.9m
[DCF] Fair Price = 13.40 (EV 4.27b - Net Debt -259.3m = Equity 4.53b / Shares 338.2m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 57.17 | EPS CAGR: 57.38% | SUE: 0.55 | # QB: 0
Revenue Correlation: 97.62 | Revenue CAGR: 13.90% | SUE: 0.72 | # QB: 0
EPS next Quarter (2026-09-30): EPS=0.07 | Chg30d=+0.00% | Revisions=+20% | Analysts=1
EPS current Year (2026-12-31): EPS=0.26 | Chg30d=+0.00% | Revisions=-20% | GrowthEPS=-21.5% | GrowthRev=+6.5%
EPS next Year (2027-12-31): EPS=0.37 | Chg30d=+0.00% | Revisions=+20% | GrowthEPS=+44.1% | GrowthRev=+10.2%