(PAYO) Payoneer Global - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US70451X1046
Stock: Multi-Currency Account, Payment Infrastructure, Working Capital
Total Rating 22
Risk 66
Buy Signal 0.01
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 51.6% |
| Relative Tail Risk | -15.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.91 |
| Alpha | -64.30 |
| Character TTM | |
|---|---|
| Beta | 1.519 |
| Beta Downside | 1.722 |
| Drawdowns 3y | |
|---|---|
| Max DD | 52.40% |
| CAGR/Max DD | 0.08 |
Description: PAYO Payoneer Global January 13, 2026
Payoneer Global Inc. (NASDAQ: PAYO) is a New York-based fintech that provides a multi-currency platform enabling small and medium-sized enterprises (SMEs) to manage accounts receivable and payable across roughly 190 countries, offering services such as funds management, working-capital solutions, and low-integration payment options with full back-office support.
Key recent metrics include FY 2023 revenue of approximately $1.2 billion, up about 15 % year-over-year, and a gross transaction volume (GTV) exceeding $30 billion, reflecting the accelerating growth of cross-border e-commerce and the broader shift toward digital-first payment solutions among SMBs. A primary sector driver is the increasing adoption of online marketplaces, which fuels demand for fast, low-cost multi-currency payouts.
For a deeper quantitative assessment, see the Payoneer profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 72.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.22 > 1.0 |
| NWC/Revenue: 8.95% < 20% (prev -1.41%; Δ 10.37% < -1%) |
| CFO/TA 0.03 > 3% & CFO 224.5m > Net Income 72.4m |
| Net Debt (-425.0m) to EBITDA (168.7m): -2.52 < 3 |
| Current Ratio: 1.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (377.6m) vs 12m ago 0.89% < -2% |
| Gross Margin: 84.08% > 18% (prev 0.85%; Δ 8324 % > 0.5%) |
| Asset Turnover: 13.63% > 50% (prev 13.34%; Δ 0.30% > 0%) |
| Interest Coverage Ratio: 11.37 > 6 (EBITDA TTM 168.7m / Interest Expense TTM 10.6m) |
Altman Z'' 0.27
| A: 0.01 (Total Current Assets 7.40b - Total Current Liabilities 7.31b) / Total Assets 8.21b |
| B: 0.02 (Retained Earnings 160.1m / Total Assets 8.21b) |
| C: 0.02 (EBIT TTM 120.4m / Avg Total Assets 7.63b) |
| D: 0.02 (Book Value of Equity 163.0m / Total Liabilities 7.45b) |
| Altman-Z'' Score: 0.27 = B |
Beneish M -3.17
| DSRI: 0.87 (Receivables 89.4m/92.6m, Revenue 1.04b/940.3m) |
| GMI: 1.01 (GM 84.08% / 84.55%) |
| AQI: 0.82 (AQ_t 0.09 / AQ_t-1 0.11) |
| SGI: 1.11 (Revenue 1.04b / 940.3m) |
| TATA: -0.02 (NI 72.4m - CFO 224.5m) / TA 8.21b) |
| Beneish M-Score: -3.17 (Cap -4..+1) = AA |
What is the price of PAYO shares?
As of February 08, 2026, the stock is trading at USD 6.33 with a total of 5,152,439 shares traded.
Over the past week, the price has changed by -0.94%, over one month by +15.72%, over three months by +20.11% and over the past year by -41.39%.
Over the past week, the price has changed by -0.94%, over one month by +15.72%, over three months by +20.11% and over the past year by -41.39%.
Is PAYO a buy, sell or hold?
Payoneer Global has received a consensus analysts rating of 4.44.
Therefore, it is recommended to buy PAYO.
- StrongBuy: 5
- Buy: 3
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the PAYO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 8.4 | 32.4% |
| Analysts Target Price | 8.4 | 32.4% |
| ValueRay Target Price | 5.9 | -7.3% |
PAYO Fundamental Data Overview February 03, 2026
P/E Trailing = 35.5
P/S = 2.2142
P/B = 3.0539
Revenue TTM = 1.04b USD
EBIT TTM = 120.4m USD
EBITDA TTM = 168.7m USD
Long Term Debt = 54.4m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 6.55m USD (from shortTermDebt, last quarter)
Debt = 54.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -425.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.88b USD (2.30b + Debt 54.4m - CCE 479.4m)
Interest Coverage Ratio = 11.37 (Ebit TTM 120.4m / Interest Expense TTM 10.6m)
EV/FCF = 11.31x (Enterprise Value 1.88b / FCF TTM 165.9m)
FCF Yield = 8.84% (FCF TTM 165.9m / Enterprise Value 1.88b)
FCF Margin = 15.96% (FCF TTM 165.9m / Revenue TTM 1.04b)
Net Margin = 6.96% (Net Income TTM 72.4m / Revenue TTM 1.04b)
Gross Margin = 84.08% ((Revenue TTM 1.04b - Cost of Revenue TTM 165.5m) / Revenue TTM)
Gross Margin QoQ = 84.31% (prev 84.43%)
Tobins Q-Ratio = 0.23 (Enterprise Value 1.88b / Total Assets 8.21b)
Interest Expense / Debt = 10.72% (Interest Expense 5.84m / Debt 54.4m)
Taxrate = 13.13% (18.3m / 139.5m)
NOPAT = 104.6m (EBIT 120.4m * (1 - 13.13%))
Current Ratio = 1.01 (Total Current Assets 7.40b / Total Current Liabilities 7.31b)
Debt / Equity = 0.07 (Debt 54.4m / totalStockholderEquity, last quarter 750.5m)
Debt / EBITDA = -2.52 (Net Debt -425.0m / EBITDA 168.7m)
Debt / FCF = -2.56 (Net Debt -425.0m / FCF TTM 165.9m)
Total Stockholder Equity = 749.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.95% (Net Income 72.4m / Total Assets 8.21b)
RoE = 9.66% (Net Income TTM 72.4m / Total Stockholder Equity 749.2m)
RoCE = 14.98% (EBIT 120.4m / Capital Employed (Equity 749.2m + L.T.Debt 54.4m))
RoIC = 13.96% (NOPAT 104.6m / Invested Capital 749.2m)
WACC = 11.46% (E(2.30b)/V(2.36b) * Re(11.51%) + D(54.4m)/V(2.36b) * Rd(10.72%) * (1-Tc(0.13)))
Discount Rate = 11.51% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.30%
[DCF Debug] Terminal Value 70.86% ; FCFF base≈150.3m ; Y1≈185.5m ; Y5≈315.9m
Fair Price DCF = 9.93 (EV 3.12b - Net Debt -425.0m = Equity 3.54b / Shares 356.4m; r=11.46% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 31.87 | EPS CAGR: -13.22% | SUE: -2.13 | # QB: 0
Revenue Correlation: 96.22 | Revenue CAGR: 19.42% | SUE: 0.82 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.07 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=0.29 | Chg30d=-0.005 | Revisions Net=+2 | Growth EPS=+39.2% | Growth Revenue=+6.5%
P/S = 2.2142
P/B = 3.0539
Revenue TTM = 1.04b USD
EBIT TTM = 120.4m USD
EBITDA TTM = 168.7m USD
Long Term Debt = 54.4m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 6.55m USD (from shortTermDebt, last quarter)
Debt = 54.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -425.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.88b USD (2.30b + Debt 54.4m - CCE 479.4m)
Interest Coverage Ratio = 11.37 (Ebit TTM 120.4m / Interest Expense TTM 10.6m)
EV/FCF = 11.31x (Enterprise Value 1.88b / FCF TTM 165.9m)
FCF Yield = 8.84% (FCF TTM 165.9m / Enterprise Value 1.88b)
FCF Margin = 15.96% (FCF TTM 165.9m / Revenue TTM 1.04b)
Net Margin = 6.96% (Net Income TTM 72.4m / Revenue TTM 1.04b)
Gross Margin = 84.08% ((Revenue TTM 1.04b - Cost of Revenue TTM 165.5m) / Revenue TTM)
Gross Margin QoQ = 84.31% (prev 84.43%)
Tobins Q-Ratio = 0.23 (Enterprise Value 1.88b / Total Assets 8.21b)
Interest Expense / Debt = 10.72% (Interest Expense 5.84m / Debt 54.4m)
Taxrate = 13.13% (18.3m / 139.5m)
NOPAT = 104.6m (EBIT 120.4m * (1 - 13.13%))
Current Ratio = 1.01 (Total Current Assets 7.40b / Total Current Liabilities 7.31b)
Debt / Equity = 0.07 (Debt 54.4m / totalStockholderEquity, last quarter 750.5m)
Debt / EBITDA = -2.52 (Net Debt -425.0m / EBITDA 168.7m)
Debt / FCF = -2.56 (Net Debt -425.0m / FCF TTM 165.9m)
Total Stockholder Equity = 749.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.95% (Net Income 72.4m / Total Assets 8.21b)
RoE = 9.66% (Net Income TTM 72.4m / Total Stockholder Equity 749.2m)
RoCE = 14.98% (EBIT 120.4m / Capital Employed (Equity 749.2m + L.T.Debt 54.4m))
RoIC = 13.96% (NOPAT 104.6m / Invested Capital 749.2m)
WACC = 11.46% (E(2.30b)/V(2.36b) * Re(11.51%) + D(54.4m)/V(2.36b) * Rd(10.72%) * (1-Tc(0.13)))
Discount Rate = 11.51% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.30%
[DCF Debug] Terminal Value 70.86% ; FCFF base≈150.3m ; Y1≈185.5m ; Y5≈315.9m
Fair Price DCF = 9.93 (EV 3.12b - Net Debt -425.0m = Equity 3.54b / Shares 356.4m; r=11.46% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 31.87 | EPS CAGR: -13.22% | SUE: -2.13 | # QB: 0
Revenue Correlation: 96.22 | Revenue CAGR: 19.42% | SUE: 0.82 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.07 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=2
EPS next Year (2026-12-31): EPS=0.29 | Chg30d=-0.005 | Revisions Net=+2 | Growth EPS=+39.2% | Growth Revenue=+6.5%