📊 PAYO Key Takeaways
Is Payoneer Global Inc. (PAYO) a Good Investment?
Payoneer demonstrates strong revenue growth of 29.4% YoY and healthy free cash flow generation of $41.7M with a 15.9% FCF margin, supported by conservative debt levels. However, diluted EPS declined sharply 38.7% YoY despite top-line expansion, and returns on equity and assets remain critically weak at 3% and 0.2% respectively, indicating deteriorating profitability and poor capital efficiency.
Payoneer Global Inc. Key Strengths (PAYO)
- Strong revenue growth of 29.4% year-over-year demonstrating market expansion
- Healthy free cash flow of $41.7M with 15.9% FCF margin exceeding reported net income
- Conservative capital structure with minimal debt (Debt/Equity 0.02x) and only $14.4M long-term debt
- Adequate cash position of $339.4M providing operational flexibility
- Solid operating margin of 11.5% on growing revenue base
PAYO Stock Risks: Payoneer Global Inc. Investment Risks
- Diluted EPS declined 38.7% YoY despite 29.4% revenue growth, signaling severe shareholder value deterioration
- Critically weak return metrics with ROE of 3% and ROA of 0.2%, indicating poor capital efficiency and asset utilization
- Tight liquidity position with current and quick ratios at 1.00x providing minimal working capital buffer
- High liability-to-equity ratio with $7.9B liabilities against only $659.1M equity indicating significant balance sheet leverage
- Absence of gross margin data creates opacity regarding operational profitability of core business units
Key Metrics to Watch
- Earnings per share trend relative to revenue growth to assess profitability trajectory and share dilution impact
- Return on equity and return on assets movements to evaluate capital deployment effectiveness
- Free cash flow sustainability and net margin expansion as indicators of operational efficiency
Payoneer Global Inc. (PAYO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PAYO Profit Margin, ROE & Profitability Analysis
PAYO vs Services Sector: How Payoneer Global Inc. Compares
How Payoneer Global Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Payoneer Global Inc. Stock Overvalued? PAYO Valuation Analysis 2026
Based on fundamental analysis, Payoneer Global Inc. has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Payoneer Global Inc. Balance Sheet: PAYO Debt, Cash & Liquidity
PAYO Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Payoneer Global Inc.'s revenue has grown significantly by 73% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.24 reflects profitable operations.
PAYO Revenue Growth, EPS Growth & YoY Performance
PAYO Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $186.3M | $19.6M | $0.05 |
| Q3 2025 | $180.4M | $14.1M | $0.04 |
| Q2 2025 | $171.2M | $19.5M | $0.05 |
| Q1 2025 | $160.5M | $20.6M | $0.05 |
| Q3 2024 | $145.2M | $12.8M | $0.03 |
| Q2 2024 | $149.1M | $32.4M | $0.09 |
| Q1 2024 | $139.7M | $7.9M | $0.02 |
| Q3 2023 | $143.9M | -$1.8M | $-0.01 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Payoneer Global Inc. Dividends, Buybacks & Capital Allocation
PAYO SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Payoneer Global Inc. (CIK: 0001845815)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PAYO
What is the AI rating for PAYO?
Payoneer Global Inc. (PAYO) has an AI grade of B with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PAYO's key strengths?
Claude: Strong revenue growth of 29.4% year-over-year demonstrating market expansion. Healthy free cash flow of $41.7M with 15.9% FCF margin exceeding reported net income.
What are the risks of investing in PAYO?
Claude: Diluted EPS declined 38.7% YoY despite 29.4% revenue growth, signaling severe shareholder value deterioration. Critically weak return metrics with ROE of 3% and ROA of 0.2%, indicating poor capital efficiency and asset utilization.
What is PAYO's revenue and growth?
Payoneer Global Inc. reported revenue of $261.6M.
Does PAYO pay dividends?
Payoneer Global Inc. does not currently pay dividends.
Where can I find PAYO SEC filings?
Official SEC filings for Payoneer Global Inc. (CIK: 0001845815) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PAYO's EPS?
Payoneer Global Inc. has a diluted EPS of $0.06.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PAYO's fundamental grade?
Based on our AI fundamental analysis in June 2026, Payoneer Global Inc. has a B grade with 62% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PAYO stock overvalued or undervalued?
Valuation metrics for PAYO: ROE of 3.0% (sector avg: 16%), net margin of 7.5% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
What is PAYO's AI grade for 2026?
Our dual AI analysis gives Payoneer Global Inc. a combined B grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PAYO's free cash flow?
Payoneer Global Inc.'s operating cash flow is $51.8M, with capital expenditures of $10.1M. FCF margin is 15.9%.
How does PAYO compare to other Services stocks?
Vs Services sector averages: Net margin 7.5% (avg: 10%), ROE 3.0% (avg: 16%), current ratio 1.00 (avg: 1.5).