A Business at a Glance
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Payoneer Global Inc.
PAYO
$2.7B
Mkt Cap
$7.12
+0.00%
Payoneer Global Inc. (PAYO) has a current P/E ratio of 37.5, compared to its historical median P/E of 30.1. The stock is currently considered Expensive based on its historical valuation range.
Payoneer Global Inc. (PAYO) has a 5-year average return on invested capital (ROIC) of 35.4%. This indicates strong capital allocation and a potential competitive advantage.
Payoneer Global Inc. (PAYO) has a market capitalization of $2.4B. It is classified as a mid-cap stock.
Payoneer Global Inc. (PAYO) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 9.60%.
Based on historical P/E analysis, Payoneer Global Inc. (PAYO) appears expensive. The current P/E of 37.5 is 25% above its historical median of 30.1. The estimated fair value CAGR (P/E method) is 32.3%.
Payoneer Global Inc. (PAYO) operates in the Services-Business Services, Nec industry, within the Industrials sector.
Payoneer Global Inc. (PAYO) reported annual revenue of $1.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
Unless the context otherwise requires, the “Company”, “Payoneer”, “we,” “our,” “us” and similar terms refer to Payoneer Global Inc. Payoneer is a financial technology company purpose-built to enable the world’s small and medium-sized businesses (“SMB(s)”) to grow and operate their businesses around the world by reliably and securely connecting them to the global digital economy. Payoneer was founded in 2005 and in the 20+ years since the Company’s founding, we have built a global financial stack that makes it easier for millions of SMBs and entrepreneurs, particularly in emerging markets, to access global demand and supply, pay and get paid, and manage their cross border and other financial operations needs from a single platform. Payoneer’s core value proposition is that we remove the complexity and barriers of doing business across borders for our customers.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.1B | 1.1B | 978M | 831M | 628M | 473M |
| Net Income | 72M | 73M | 121M | 93M | -12M | -68M |
| EPS | $0.21 | $0.19 | $0.31 | $0.24 | $-0.03 | $-0.33 |
| Free Cash Flow | 199M | 207M | 169M | 151M | 73M | 13M |
| ROIC | 24.2% | 11.0% | 18.6% | 174.2% | -2.3% | -24.5% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 11.71 | 9.94 | 0.03 | 0.04 | 0.04 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 125M | 125M | 149M | 104M | -22M | -30M |
| Operating Margin | 11.7% | 11.8% | 15.2% | 12.5% | -3.5% | -6.4% |
| ROE | 11.0% | 10.2% | 17.4% | 15.4% | -2.3% | -26.4% |
| Shares Outstanding | 338M | 385M | 391M | 389M | 399M | 205M |
| Metric | ||||||||
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | 318M | 346M | 473M | 628M | 831M | 978M | 1.1B | 1.1B |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | 35M | 52M | 81M | 115M | 119M | 135M | 155M | 161M |
| SG&A | 31M | 38M | 64M | 90M | 101M | 113M | 141M | 148M |
| EBIT | 3.6M | -17M | -30M | -22M | 104M | 149M | 125M | 125M |
| Op. Margin | 1.1% | -5.0% | -6.4% | -3.5% | 12.5% | 15.2% | 11.8% | 11.7% |
| Net Income | -12M | -37M | -68M | -12M | 93M | 121M | 73M | 72M |
| Net Margin | -3.8% | -10.8% | -14.3% | -1.9% | 11.2% | 12.4% | 7.0% | 6.8% |
| Non-Recurring | 0 | 0 | 0 | 0 | 4.5M | 0 | 4.9M | 4.9M |
| Returns on Capital | ||||||||
| ROIC | N/A | -70.9% | -24.5% | -2.3% | 174.2% | 18.6% | 11.0% | 24.2% |
| ROE | 110.2% | -394.8% | -26.4% | -2.3% | 15.4% | 17.4% | 10.2% | 11.0% |
| ROA | N/A | -2.0% | -1.5% | -0.2% | 1.3% | 1.6% | 0.9% | 0.8% |
| Cash Flow | ||||||||
| Op. Cash Flow | -14M | 9.5M | 20M | 84M | 159M | 177M | 233M | 232M |
| Free Cash Flow | -23M | 4.5M | 13M | 73M | 151M | 169M | 207M | 199M |
| Owner Earnings | -34M | -19M | -35M | 11M | 66M | 65M | 95M | 89M |
| CapEx | 9.1M | 5.0M | 6.9M | 11M | 8.5M | 8.2M | 27M | 32M |
| Maint. CapEx | 10M | 17M | 18M | 21M | 28M | 47M | 66M | 70M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 10M | 17M | 18M | 21M | 28M | 47M | 66M | 70M |
| CapEx/OCF | N/A | 52.4% | 34.4% | 12.5% | 5.3% | 4.6% | 11.5% | 13.9% |
| Capital Allocation | ||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 55M | 138M | 174M | 231M |
| Buyback Yield | 0.0% | N/A | N/A | N/A | 2.7% | 3.5% | 7.9% | 9.6% |
| Stock-Based Comp | 9.5M | 11M | 37M | 52M | 66M | 65M | 73M | 73M |
| Debt Repayment | 0 | 20M | 44M | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||||
| Net Debt | -55M | -63M | -448M | -521M | -599M | N/A | N/A | -339M |
| Cash & Equiv. | 115M | 103M | 466M | 543M | 617M | 497M | 416M | 339M |
| Long-Term Debt | 60M | 27M | 14M | 16M | 18M | N/A | N/A | N/A |
| Debt/Equity | -11.19 | 1.65 | 0.04 | 0.04 | 0.03 | 9.94 | 11.71 | 0.00 |
| Interest Coverage | 11.7 | -9.2 | -137.3 | -14.9 | 58.6 | 106.5 | N/A | N/A |
| Equity | -5.4M | 24M | 487M | 545M | 664M | 725M | 704M | 659M |
| Total Assets | N/A | 3.7B | 5.1B | 6.6B | 7.3B | 7.9B | 9.0B | 8.6B |
| Total Liabilities | 1.8M | 3.5B | 4.6B | 6.0B | 6.6B | 7.2B | 8.3B | 7.9B |
| Intangibles | N/A | 34M | 38M | 45M | 76M | 102M | 208M | 214M |
| Retained Earnings | N/A | -60M | -94M | -109M | -15M | 106M | 179M | 199M |
| Working Capital | -472K | 130M | 465M | 494M | 567M | -31M | 27M | -38M |
| Current Assets | 1.3M | 3.6B | 5.0B | 6.5B | 7.1B | 7.1B | 8.1B | 7.7B |
| Current Liabilities | 1.8M | 3.4B | 4.5B | 6.0B | 6.5B | 7.1B | 8.1B | 7.8B |
| Per Share Data | ||||||||
| EPS | -0.33 | -0.80 | -0.33 | -0.03 | 0.24 | 0.31 | 0.19 | 0.21 |
| Owner EPS | -0.94 | -0.40 | -0.17 | 0.03 | 0.17 | 0.17 | 0.25 | 0.26 |
| Book Value | -0.15 | 0.52 | 2.38 | 1.37 | 1.71 | 1.85 | 1.83 | 1.95 |
| Cash Flow/Share | -0.39 | 0.20 | 0.10 | 0.21 | 0.41 | 0.45 | 0.61 | 0.42 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 36.4M | 46.7M | 204.9M | 399.0M | 388.9M | 390.8M | 385.2M | 337.8M |
| Valuation | ||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | 22.0 | 32.3 | 30.1 | 34.6 |
| P/FCF | N/A | 107.2 | 106.5 | 28.5 | 13.6 | 23.2 | 10.6 | 12.1 |
| EV/EBIT | N/A | N/A | N/A | N/A | 8.0 | N/A | N/A | 16.5 |
| Price/Book | N/A | 146.3 | 5.0 | 3.8 | 3.1 | 5.4 | 3.1 | 3.6 |
| Price/Sales | N/A | 9.7 | 7.4 | 3.5 | 2.6 | 2.6 | 2.6 | 2.3 |
| FCF Yield | N/A | 0.1% | 0.5% | 3.5% | 7.4% | 4.3% | 9.4% | 8.3% |
| Market Cap | 0 | 3.6B | 2.4B | 2.1B | 2.0B | 3.9B | 2.2B | 2.4B |
| Avg. Price | 0.00 | 9.83 | 9.84 | 5.43 | 5.52 | 6.57 | 7.16 | 7.12 |
| Year-End Price | 0.00 | 10.40 | 6.82 | 5.24 | 5.27 | 10.01 | 5.71 | 7.12 |
Payoneer Global Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Payoneer Global Inc. trades at 37.5x trailing earnings, compared to its 15-year median P/E of 30.1x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 11.9x vs a median of 18.4x. The company's 5-year average ROIC is 35.4%. Total shareholder yield (buybacks) is 9.6%. At current prices, the estimated annualized return to fair value is +91.8%.
Payoneer Global Inc. (PAYO) has a net profit margin of 7.0%. This is a modest margin.
Payoneer Global Inc. (PAYO) generated $207 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Payoneer Global Inc. (PAYO) has a debt-to-equity ratio of 11.71. This indicates higher leverage, which may increase financial risk.
Payoneer Global Inc. (PAYO) reported earnings per share (EPS) of $0.19 in its most recent fiscal year.
Payoneer Global Inc. (PAYO) has a return on equity (ROE) of 10.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 7 years of financial data for Payoneer Global Inc. (PAYO), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Payoneer Global Inc. (PAYO) has a book value per share of $1.83, based on its most recent annual SEC filing.