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Payoneer Global Inc.

PAYO

$7.11 ▼ -0.02 (-0.28%) at close

8 Visible periods

31 Metrics

Peer-ranked Benchmarks

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Health

Good

Neutral

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Analytical Summary

Payoneer Global Inc. shows mixed fundamentals. Consider comparing against peers in the Industrials sector before making investment decisions.

Market Cap $2.6B

Dividend Yield —

Revenue Growth 7.7% ↘

Op. Margin 11.8% ↘

ROIC 11.2% ↘

FCF / Share $0.57 ↗

Trailing P/E 35.6x

Price / Book 3.5x

FCF Yield 8.1%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.05B

↑ +7.7% —

Net Income Profit after all expenses

$73.19M

↓ -39.6% —

Operating Margin Operating profit as % of sales

11.8%

↓ -22.3% 61th

FCF / Share Free cash flow per share

$0.57

↑ +21.5% —

Long-Term Debt Long-term obligations

$18.41M

↑ +14.1% —

Health Breakdown

Profitability ↑

Returns

Cash Quality

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	7.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+54%)	17.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+253%)	32.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+548%)	32.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+552%)	37.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+640%)	8.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+75%)	—	—
EPS Growth YoY (%)	-41.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	30.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	90.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	58.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-142.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-39.6% Weak ↓ Weak Declining Year-over-year change in net income	29.8% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	64.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-43.1% Weak Weak Year-over-year change in net income	-3699.4% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	21.5% Good ↓ Good Declining Year-over-year change in free cash flow	12.8% Fair ↓ Fair Declining Year-over-year change in free cash flow	97.9% Excellent → Excellent Stable Year-over-year change in free cash flow	226.3% Excellent Excellent Year-over-year change in free cash flow	-32.9% Weak Weak Year-over-year change in free cash flow	N/M	—	—
Revenue CAGR 3Y (%)	18.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	27.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	34.0% Excellent Excellent Compound annual revenue growth over 3 years	25.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	25.0% Excellent Excellent Compound annual revenue growth over 5 years	25.2% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	11.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	12.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-3.5% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-129%)	-6.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-153%)	-5.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-142%)	1.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	—
Effective Tax Rate (%) (%)	36.7% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.6% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	839.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-34.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-54.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	113.1% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	7.0% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	12.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	11.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	-1.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-124%)	-7.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-190%)	-6.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-186%)	-0.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	—
FCF Margin (%) (%)	19.6% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	17.3% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	18.2% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	11.7% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	2.8% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	1.3% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-7.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	2.82x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.39x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.62x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-6.14x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.39x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.19x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	37.54x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	11.2% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	17.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	10.7% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	29.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-8.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-52.6% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	8.9% Fair Fair Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	10.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	16.7% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	14.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	-2.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-115%)	-7.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-147%)	-97.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-751%)	11.7% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.03x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.03x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	1.09x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+56%)	—	—
Interest Coverage (x)	—	106.53x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	58.64x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-15.15x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-15.74x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-9.17x Weak Weak Operating income divided by interest expense Optimal: > 5x	11.71x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-415.54M	$-497.47M	$-598.61M	$-527.16M	$-452.26M	$-76.46M	$-114.90M	—
Debt / EBITDA (x)	—	—	0.14x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-11.90x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.12x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-132.62x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$2.91	$2.73	$2.30	$1.80	$2.33	$7.35	$8.80	—
Basic EPS, GAAP (USD)	$0.20	$0.34	$0.26	$-0.03	$-0.33	$-0.80	$-0.33	—
Free Cash Flow per Share (USD)	$0.57	$0.47	$0.42	$0.21	$0.06	$0.10	$-0.65	—
Book Value per Share (USD)	$2.02	$2.01	$1.86	$1.55	$1.43	$0.50	$-0.15	—
Tangible Book Value per Share (USD)	$1.20	$1.51	$1.59	$1.36	$1.26	$-0.67	$-0.15	—
Basic Weighted Avg Shares (shares)	361.17M	358.35M	361.68M	348.04M	202.88M	47.01M	36.11M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$27.20M	$-31.43M	$566.75M	$493.59M	$464.89M	$129.54M	—	—
LT Debt (USD)	—	—	$18.41M	$16.14M	$13.66M	$26.52M	—	—
Total Equity (USD)	$704.43M	$724.79M	$664.27M	$545.26M	$487.07M	$24.30M	$-5.36M	$-16.46M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$1.05B	$977.72M	$831.10M	$627.62M	$473.40M	$345.59M	$317.75M	—
Depreciation Expense (USD)	$65.62M	$47.30M	$27.81M	$20.86M	$18.00M	$17.09M	$10.34M	—
Net Income, GAAP (USD)	$73.19M	$121.16M	$93.33M	$-11.97M	$-33.99M	$-23.75M	$-625.00K	—
Operating Cash Flow (USD)	$233.49M	$176.93M	$159.49M	$83.96M	$20.02M	$9.53M	$-14.31M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 27 quarters

Payoneer Global Inc.

Analytical Summary

8-Year Financial Trajectory

Health Breakdown

Statement lens

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