PAYO - Payoneer Global Inc.

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Apr 1, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	6.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+21%)	4.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	9.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+82%)	8.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+76%)	8.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+62%)	16.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+234%)	19.3% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+287%)	15.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+217%)	18.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+277%)	22.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+344%)	30.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+518%)	39.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+690%)	40.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+704%)	31.8% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+537%)	29.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+491%)	33.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+572%)	36.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+623%)	47.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+840%)	35.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+609%)	41.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+730%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	0.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-0.0% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-66.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-44.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-25.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-37.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	200.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-25.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	300.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	1100.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-66.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—	N/M	93.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	100.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	-4.9% Weak ↑ Weak Improving Year-over-year change in net income	4.5% Caution ↑ Caution Improving Year-over-year change in net income	-66.0% Weak ↓ Weak Declining Year-over-year change in net income	-39.9% Weak ↓ Weak Declining Year-over-year change in net income	-29.0% Weak ↓ Weak Declining Year-over-year change in net income	-32.7% Weak ↓ Weak Declining Year-over-year change in net income	224.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-28.8% Weak Weak Year-over-year change in net income	265.0% Excellent Excellent Year-over-year change in net income	N/M	N/M	930.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-60.7% Weak Weak Year-over-year change in net income	46.3% Excellent Excellent Year-over-year change in net income	N/M	N/M	N/M	-68.5% Weak → Weak Stable Year-over-year change in net income	-47.9% Weak Weak Year-over-year change in net income	-86.4% Weak Weak Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%)	-10.6% Weak Weak Year-over-year change in free cash flow	—	—	—	28.0% Excellent Excellent Year-over-year change in free cash flow	—	—	—	1676.9% Excellent Excellent Year-over-year change in free cash flow	—	—	—	N/M	—	—	—	99.7% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	10.9% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	19.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	20.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	21.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	23.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	26.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	29.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	31.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	33.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	32.0% Excellent Excellent Compound annual revenue growth over 3 years	38.2% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	21.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	23.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	24.5% Excellent Excellent Compound annual revenue growth over 5 years	27.2% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	44.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	71.0% Excellent Excellent Compound annual EPS growth over 3 years	0.0% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Apr 1, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	11.5% Caution → Caution Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	10.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	13.4% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	11.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	11.9% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	11.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	14.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	19.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	16.8% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	11.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	14.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	16.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	7.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	-4.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-139%)	-3.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-127%)	-1.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	-4.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-139%)	-3.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-125%)	-5.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-144%)	-16.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-238%)	-1.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	-10.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-183%)	1.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	-7.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-161%)	—	—	—
Effective Tax Rate (%) (%)	33.0% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.8% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	53.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-88.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.9% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.6% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	43.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.2% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	53.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-301.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-11.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-19.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	43.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-34.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-97.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-16.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	54.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	-51.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	7.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	6.9% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	5.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	7.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	8.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	6.9% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	16.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+109%)	13.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	12.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	12.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	6.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	22.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+175%)	4.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	-5.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-169%)	-16.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-308%)	3.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	14.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	-13.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-270%)	0.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	-11.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-240%)	-3.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-144%)	-11.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-248%)	1.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	-8.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-206%)	—	—	—
FCF Margin (%) (%)	15.9% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	14.7% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	18.2% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	26.1% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	19.9% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	16.1% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	—	—	16.6% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	24.1% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	1.1% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	19.8% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-0.2% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	4.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-17.2% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-11.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	7.6% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—
FCF / Net Income (x)	2.13x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.12x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	3.48x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	3.50x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.38x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	2.32x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	1.31x Good Good Free cash flow relative to reported net income Optimal: > 1x	2.00x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	0.27x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-3.57x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	-0.02x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-0.33x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	4.92x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.93x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	4.29x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Apr 1, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	3.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	9.1% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	4.6% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	3.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	4.6% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	1.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-6.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.3% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.7% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-5.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-9.3% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-45.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.4% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-399.3% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—
Return on Capital (%) (%)	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	5.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	4.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	4.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	4.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	7.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	-1.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-112%)	-5.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-133%)	0.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	3.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	-3.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-126%)	0.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	-2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-117%)	-14.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-196%)	-46.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-408%)	5.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	—	—	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Apr 1, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	—	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.03x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	0.03x Excellent ↑ Excellent Improving 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%)	0.03x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	—	—	—	—	—	—	—	—	—
Net Debt (USD)	$-339.37M	$-415.54M	$-479.45M	$-497.14M	$-524.15M	$-497.47M	$-534.17M	$-575.73M	$-572.75M	$-617.02M	$-574.76M	$-565.41M	$-527.42M	$-543.30M	$-492.19M	$-477.23M	$-451.44M	$-465.93M	$-448.95M	$-498.71M	$-104.68M	$-102.99M	$-131.21M	$-114.98M	—	$-114.90M	—
Debt / EBITDA (x)	—	—	—	—	—	—	—	—	0.30x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	0.43x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.40x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.81x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	19.78x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.98x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-7.57x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Apr 1, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$0.76	—	$0.74	$0.71	$0.68	—	$0.69	$0.67	$0.64	—	$0.58	$0.57	$0.53	—	$0.45	$0.43	$0.40	—	$0.36	—	$1.83	—	$1.78	—	—	—	—
Basic EPS, GAAP (USD)	$0.06	$0.05	$0.04	$0.05	$0.06	$0.05	$0.12	$0.09	$0.08	$0.08	$0.04	$0.12	$0.02	$-0.02	$-0.08	$0.01	$0.06	$-0.02	$0.00	—	$-0.16	$-0.30	$-0.05	—	—	—	—
Free Cash Flow per Share (USD)	$0.12	—	$0.13	$0.18	$0.13	—	—	—	$0.11	—	—	—	$0.01	—	—	—	$-0.00	—	—	—	$-0.31	—	$0.14	—	—	—	—
Book Value per Share (USD)	$1.95	$2.02	$2.09	$2.13	$2.07	$2.01	$2.04	$1.90	$1.86	—	$1.78	$1.74	$1.61	—	$1.52	$1.57	$1.52	—	$1.45	$1.42	$0.45	$0.49	$0.61	—	—	—	—
Tangible Book Value per Share (USD)	$1.06	$1.20	$1.30	$1.35	$1.57	$1.51	$1.55	$1.59	$1.57	—	$1.52	$1.53	$1.41	—	$1.35	$1.40	$1.35	—	$1.28	$1.25	$0.45	$0.04	$0.61	—	—	—	—
Basic Weighted Avg Shares (shares)	345.34M	—	368.27M	368.77M	362.98M	—	357.30M	356.32M	359.31M	—	357.43M	365.00M	360.22M	—	349.74M	345.52M	342.32M	—	339.72M	—	54.87M	—	50.93M	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Apr 1, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$-38.40M	$27.20M	$93.08M	$4.36M	$-18.17M	$-31.43M	$-13.30M	$541.46M	$556.00M	—	$550.47M	$550.48M	$532.67M	—	$486.86M	$479.03M	$469.19M	—	$445.48M	$443.60M	—	—	—	—	—	—	—
LT Debt (USD)	—	—	—	—	—	—	—	—	$14.43M	—	$15.80M	$15.64M	$17.12M	—	$15.75M	$14.77M	$14.30M	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$659.08M	$704.43M	$750.49M	$770.90M	$750.73M	$724.79M	$727.87M	$669.38M	$661.54M	$664.27M	$637.97M	$625.95M	$576.85M	$545.26M	$532.65M	$542.93M	$521.96M	$487.07M	$491.92M	$481.78M	$24.44M	$24.30M	$30.82M	$2.17M	$5.09M	$-5.36M	$-16.46M

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Apr 1, 2021 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$261.60M	$274.69M	$270.85M	$260.61M	$246.62M	$261.74M	$248.27M	$239.52M	$228.18M	$224.32M	$208.03M	$206.73M	$192.01M	$183.56M	$158.92M	$148.19M	$136.96M	$139.22M	$122.65M	$110.93M	$100.61M	$94.71M	$90.54M	$78.39M	—	—	—
Depreciation Expense (USD)	$18.92M	$19.54M	$16.14M	$15.55M	$14.39M	$13.67M	$13.51M	$10.71M	$9.41M	$8.75M	$7.12M	$5.91M	$6.04M	$5.33M	$5.90M	$5.17M	$4.46M	$4.53M	$4.43M	$4.35M	$4.68M	$4.53M	$4.27M	$4.13M	—	—	—
Net Income, GAAP (USD)	$19.57M	$19.01M	$14.12M	$19.48M	$20.58M	$18.19M	$41.57M	$32.42M	$28.97M	$27.02M	$12.82M	$45.55M	$7.94M	$-10.15M	$-26.45M	$4.42M	$20.21M	$-18.90M	$837.00K	$-12.41M	$-3.51M	$-11.21M	$1.61M	$-6.66M	—	—	—
Operating Cash Flow (USD)	$51.83M	$54.91M	$54.18M	$70.69M	$53.72M	$45.89M	—	—	$39.51M	$58.16M	—	—	$3.90M	$39.63M	—	—	$2.37M	$9.23M	—	—	$-16.47M	$-9.35M	$7.59M	—	—	—	—

Payoneer Global Inc.

Analytical Summary

27-Year Financial Trajectory

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