GoAI
Get started
Payoneer Global Inc. logo

Payoneer Global Inc.

PAYO

NASDAQTechnologySoftware - Infrastructure

Open in GoAI

Latest quote

$7.10

+$0.02 · +0.28%

Aug 21, 3:55 PM ET

PAYO company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

76

Undervalued

Momentum

65

Gaining

Sentiment

54

Mixed

Risk resilience

56

Elevated Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

Payoneer Global Inc. provides a foundational digital platform that empowers global commerce and payment processing for marketplaces, various online platforms, and e-commerce merchants worldwide. The company offers a comprehensive array of solutions, including international payment transfers, business-to-business (B2B) accounts payable and receivable management, multi-currency accounts, both physical and virtual Mastercard options, access to working capital, and specialized services covering merchant support, tax management, compliance, and risk mitigation. This robust platform is built with enterprise-grade security, exceptional stability, and redundancy, integrating modern digital capabilities to unify global financial interactions. A core focus is its international payment offerings, which enable a vast ecosystem of marketplaces and their vendors to process payments in approximately 190 countries and territories by seamlessly integrating with Payoneer's APIs. Established in 2005, the company is headquartered in New York, New York.

Industry
Software - Infrastructure
Sector
Technology
Headquarters
US
CEO
John R. Caplan
Listed since
Oct 16, 2020
Employees
2,540

Market position

Volume
1.01M
0.16× average
Average volume
6.15M
Average daily volume
Market cap
2.4B USD
Beta
0.95
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.69B USD
P/E (TTM)
50.35×
P/B (TTM)
3.67×
P/S (TTM)
2.22×
EV / EBITDA
9.31×
Earnings yield
3.61%
Free cash flow yield
10.18%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
78.00%
Operating margin
10.56%
Net margin
4.65%
Return on equity
10.39%
Return on assets
0.82%
Return on invested capital
8.97%

Financial health

Debt / equity
0.13×
Current ratio
1×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends95%58%21%-16%Gross margin, FY2021: 78.56%Gross margin, FY2022: 82.45%Gross margin, FY2023: 85.29%Gross margin, FY2024: 84.44%Gross margin, FY2025: 78.07%Operating margin, FY2021: -6.38%Operating margin, FY2022: -3.54%Operating margin, FY2023: 12.47%Operating margin, FY2024: 15.24%Operating margin, FY2025: 11.84%Net margin, FY2021: -7.18%Net margin, FY2022: -1.91%Net margin, FY2023: 11.23%Net margin, FY2024: 12.39%Net margin, FY2025: 6.95%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 78.56%. Gross margin FY2022 82.45%. Gross margin FY2023 85.29%. Gross margin FY2024 84.44%. Gross margin FY2025 78.07%. Operating margin FY2021 -6.38%. Operating margin FY2022 -3.54%. Operating margin FY2023 12.47%. Operating margin FY2024 15.24%. Operating margin FY2025 11.84%. Net margin FY2021 -7.18%. Net margin FY2022 -1.91%. Net margin FY2023 11.23%. Net margin FY2024 12.39%. Net margin FY2025 6.95%.

Income trends

Revenue

1.05B USD+7.68%

Operating income

124.67M USD-16.35%

Net income

73.19M USD-39.59%
Income trends across reported periods1.16B USD726.75M USD292.04M USD−142.66M USDRevenue, FY2021: 473.4M USDRevenue, FY2022: 627.62M USDRevenue, FY2023: 831.1M USDRevenue, FY2024: 977.72M USDRevenue, FY2025: 1.05B USDOperating income, FY2021: −30.21M USDOperating income, FY2022: −22.21M USDOperating income, FY2023: 103.61M USDOperating income, FY2024: 149.03M USDOperating income, FY2025: 124.67M USDNet income, FY2021: −33.99M USDNet income, FY2022: −11.97M USDNet income, FY2023: 93.33M USDNet income, FY2024: 121.16M USDNet income, FY2025: 73.19M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 473.4M USD. Revenue FY2022 627.62M USD. Revenue FY2023 831.1M USD. Revenue FY2024 977.72M USD. Revenue FY2025 1.05B USD. Operating income FY2021 −30.21M USD. Operating income FY2022 −22.21M USD. Operating income FY2023 103.61M USD. Operating income FY2024 149.03M USD. Operating income FY2025 124.67M USD. Net income FY2021 −33.99M USD. Net income FY2022 −11.97M USD. Net income FY2023 93.33M USD. Net income FY2024 121.16M USD. Net income FY2025 73.19M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.05B USD977.72M USD831.1M USD627.62M USD473.4M USD
Cost of goods sold230.86M USD152.11M USD122.29M USD110.17M USD101.48M USD
Gross profit821.91M USD825.61M USD708.81M USD517.46M USD371.93M USD
Research and development155.42M USD134.63M USD119.2M USD115.04M USD80.76M USD
Selling, general, and administrative376.56M USD351.43M USD315.69M USD280.88M USD178.73M USD
Operating expenses697.24M USD676.58M USD605.2M USD539.67M USD402.14M USD
Interest income—259.27M USD242.2M USD55.29M USD—
Interest expense———10.13M USD220K USD
Depreciation and amortization65.63M USD8.7M USD8.09M USD8.29M USD7.06M USD
Operating income124.67M USD149.03M USD103.61M USD−22.21M USD−30.21M USD
Net income73.19M USD121.16M USD93.33M USD−11.97M USD−33.99M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
36%
4 beats, 5 misses, 2 met estimates
Average EPS surprise
+15.10%
11 comparable reports
Latest EPS result
0.02
Estimate 0.06 · Miss by 65.28%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.110.080.050.02Q1 '25MissQ2 '25MissQ3 '25MissQ4 '25MetQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 0.05, estimate 0.06, surprise -16.67%, Miss. Q2 2025, reported May 7, 2025: actual 0.05, estimate 0.07, surprise -28.57%, Miss. Q3 2025, reported Aug 6, 2025: actual 0.05, estimate 0.06, surprise -16.67%, Miss. Q4 2025, reported Nov 5, 2025: actual 0.06, estimate 0.06, surprise 0.00%, Met estimate. Q1 2026, reported Feb 26, 2026: actual 0.05, estimate 0.06, surprise -16.67%, Miss. Q2 2026, reported May 7, 2026: actual 0.06, estimate 0.04, surprise +50.00%, Beat. Q3 2026, reported Aug 6, 2026: actual 0.02, estimate 0.058, surprise -65.28%, Miss. Q4 2026, reported Nov 4, 2026: actual —, estimate 0.06, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates296.87M274.53M252.19M229.85MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 261.74M USD, estimate 241.27M USD, surprise +8.48%, Beat. Q2 2025, reported May 7, 2025: actual 246.62M USD, estimate 244.49M USD, surprise +0.87%, Beat. Q3 2025, reported Aug 6, 2025: actual 260.61M USD, estimate 253.19M USD, surprise +2.93%, Beat. Q4 2025, reported Nov 5, 2025: actual 270.85M USD, estimate 263.39M USD, surprise +2.83%, Beat. Q1 2026, reported Feb 26, 2026: actual 274.69M USD, estimate 282.37M USD, surprise -2.72%, Miss. Q2 2026, reported May 7, 2026: actual 261.6M USD, estimate 255.12M USD, surprise +2.54%, Beat. Q3 2026, reported Aug 6, 2026: actual 274.26M USD, estimate 270.98M USD, surprise +1.21%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 285.46M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Recent analyst actions

9 institutions
William BlairdowngradeOutperformMarket Perform
JefferiesmaintainBuy

PAYO peers

NVIDIA Corporation logo

NVDA

NVIDIA Corporation

$214.72

-0.98%

Apple Inc. logo

AAPL

Apple Inc.

$309.35

-0.63%

Microsoft Corporation logo

MSFT

Microsoft Corporation

$483.24

+0.43%

Broadcom Inc. logo

AVGO

Broadcom Inc.

$368.45

+1.21%

SK hynix Inc. logo

SKHY

SK hynix Inc.

$163.41

+0.20%

Micron Technology, Inc. logo

MU

Micron Technology, Inc.

$966.78

-0.77%

ETFs holding PAYO

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
117.52M
Weight
0.10%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
61.46M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
47.75M
Weight
0.06%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
44.2M
Weight
0.02%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Fidelity Enhanced Small Cap ETF logoFidelity Enhanced Small Cap ETFFESM
Market value
36.09M
Weight
0.56%
AUM
6.03B USD
Expense ratio
0.28%
Price / 1D
$47.94+0.80%
Vanguard Morningstar Small-Cap Growth ETF logoVanguard Morningstar Small-Cap Growth ETFVBK
Market value
25.56M
Weight
0.06%
AUM
43.8B USD
Expense ratio
0.05%
Price / 1D
$358.65+0.70%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
22.36M
Weight
0.02%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
State Street SPDR Portfolio S&P 600 Small Cap ETF logoState Street SPDR Portfolio S&P 600 Small Cap ETFSPSM
Market value
18.07M
Weight
0.11%
AUM
17.03B USD
Expense ratio
0.03%
Price / 1D
$57.28+0.61%

Continue in GoAI

Research PAYO

research.disclaimer