5.39 USD
-0.01 (-0.19%)
5.39 USD
0 (0%)
PAYO gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. Both the profitability and the financial health of PAYO get a neutral evaluation. Nothing too spectacular is happening here. PAYO is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year PAYO was profitable.
- In the past year PAYO had a positive cash flow from operations.
- In multiple years PAYO reported negative net income over the last 5 years.
- PAYO had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- PAYO has a Return On Assets (0.88%) which is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 9.64%, PAYO is in line with its industry, outperforming 54.08% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 10.99%, PAYO belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 9.64% | ||
| ROIC | 10.99% |
ROA(3y)0.88%
ROA(5y)0.15%
ROE(3y)9.52%
ROE(5y)4.05%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a Profit Margin value of 6.96%, PAYO perfoms like the industry average, outperforming 46.94% of the companies in the same industry.
- PAYO has a Operating Margin (12.06%) which is in line with its industry peers.
- PAYO has a Gross Margin of 84.08%. This is amongst the best in the industry. PAYO outperforms 86.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.06% | ||
| PM (TTM) | 6.96% | ||
| GM | 84.08% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- PAYO has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- The number of shares outstanding for PAYO has been increased compared to 1 year ago.
- There is no outstanding debt for PAYO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- Based on the Altman-Z score of 0.37, we must say that PAYO is in the distress zone and has some risk of bankruptcy.
- PAYO has a Altman-Z score (0.37) which is in line with its industry peers.
- There is no outstanding debt for PAYO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 0.37 |
ROIC/WACC1.24
WACC8.89%
2.3 Liquidity
- PAYO has a Current Ratio of 1.01. This is a normal value and indicates that PAYO is financially healthy and should not expect problems in meeting its short term obligations.
- Looking at the Current ratio, with a value of 1.01, PAYO is in line with its industry, outperforming 46.94% of the companies in the same industry.
- PAYO has a Quick Ratio of 1.01. This is a normal value and indicates that PAYO is financially healthy and should not expect problems in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 1.01, PAYO is in line with its industry, outperforming 47.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
- PAYO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -45.71%.
- The Revenue has grown by 10.58% in the past year. This is quite good.
- The Revenue has been growing by 27.35% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-45.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-63.64%
Revenue 1Y (TTM)10.58%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%9.09%
3.2 Future
- Based on estimates for the next years, PAYO will show a small growth in Earnings Per Share. The EPS will grow by 0.74% on average per year.
- PAYO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.41% yearly.
EPS Next Y-36.95%
EPS Next 2Y-5.14%
EPS Next 3Y0.74%
EPS Next 5YN/A
Revenue Next Year11.23%
Revenue Next 2Y9.32%
Revenue Next 3Y9.41%
Revenue Next 5YN/A
3.3 Evolution
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 28.37, the valuation of PAYO can be described as expensive.
- PAYO's Price/Earnings ratio is a bit more expensive when compared to the industry. PAYO is more expensive than 66.33% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, PAYO is valued at the same level.
- Based on the Price/Forward Earnings ratio of 18.15, the valuation of PAYO can be described as rather expensive.
- Based on the Price/Forward Earnings ratio, PAYO is valued a bit more expensive than the industry average as 60.20% of the companies are valued more cheaply.
- PAYO's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.37 | ||
| Fwd PE | 18.15 |
4.2 Price Multiples
- PAYO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PAYO is cheaper than 74.49% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, PAYO is valued a bit cheaper than the industry average as 70.41% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.64 | ||
| EV/EBITDA | 7.81 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.14%
EPS Next 3Y0.74%
5. Dividend
5.1 Amount
- PAYO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
5.39
-0.01 (-0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/bmo
Earnings (Next)02-25 2026-02-25/amc
Inst Owners93.31%
Inst Owner Change-0.22%
Ins Owners2.48%
Ins Owner Change-2.36%
Market Cap1.92B
Revenue(TTM)1.04B
Net Income(TTM)72.37M
Analysts84.71
Price Target8.75 (62.34%)
Short Float %3.18%
Short Ratio3.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-28.87%
Min EPS beat(2)-34.64%
Max EPS beat(2)-23.11%
EPS beat(4)0
Avg EPS beat(4)-26.07%
Min EPS beat(4)-34.64%
Max EPS beat(4)-22.6%
EPS beat(8)4
Avg EPS beat(8)18.93%
EPS beat(12)6
Avg EPS beat(12)26.02%
EPS beat(16)8
Avg EPS beat(16)11.4%
Revenue beat(2)2
Avg Revenue beat(2)0.88%
Min Revenue beat(2)0.82%
Max Revenue beat(2)0.94%
Revenue beat(4)3
Avg Revenue beat(4)1.66%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)5.98%
Revenue beat(8)6
Avg Revenue beat(8)3.11%
Revenue beat(12)9
Avg Revenue beat(12)2.66%
Revenue beat(16)13
Avg Revenue beat(16)4.14%
PT rev (1m)-1.85%
PT rev (3m)-9.12%
EPS NQ rev (1m)-4.31%
EPS NQ rev (3m)-13.56%
EPS NY rev (1m)0%
EPS NY rev (3m)-13.8%
Revenue NQ rev (1m)-0.63%
Revenue NQ rev (3m)1.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.37 | ||
| Fwd PE | 18.15 | ||
| P/S | 1.85 | ||
| P/FCF | 12.64 | ||
| P/OCF | 8.56 | ||
| P/B | 2.56 | ||
| P/tB | 4.12 | ||
| EV/EBITDA | 7.81 |
EPS(TTM)0.19
EY3.53%
EPS(NY)0.3
Fwd EY5.51%
FCF(TTM)0.43
FCFY7.91%
OCF(TTM)0.63
OCFY11.68%
SpS2.92
BVpS2.11
TBVpS1.31
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.88% | ||
| ROE | 9.64% | ||
| ROCE | 13.98% | ||
| ROIC | 10.99% | ||
| ROICexc | 23.61% | ||
| ROICexgc | 73.58% | ||
| OM | 12.06% | ||
| PM (TTM) | 6.96% | ||
| GM | 84.08% | ||
| FCFM | 14.62% |
ROA(3y)0.88%
ROA(5y)0.15%
ROE(3y)9.52%
ROE(5y)4.05%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 121.25% | ||
| Cap/Sales | 6.97% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 121.24% | ||
| Profit Quality | 210.05% | ||
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 | ||
| Altman-Z | 0.37 |
F-Score7
WACC8.89%
ROIC/WACC1.24
Cap/Depr(3y)145.91%
Cap/Depr(5y)N/A
Cap/Sales(3y)5.51%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-45.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-63.64%
EPS Next Y-36.95%
EPS Next 2Y-5.14%
EPS Next 3Y0.74%
EPS Next 5YN/A
Revenue 1Y (TTM)10.58%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%9.09%
Revenue Next Year11.23%
Revenue Next 2Y9.32%
Revenue Next 3Y9.41%
Revenue Next 5YN/A
EBIT growth 1Y-14.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year85.49%
EBIT Next 3Y31.4%
EBIT Next 5YN/A
FCF growth 1Y52.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y59.19%
OCF growth 3Y106.75%
OCF growth 5YN/A
PAYONEER GLOBAL INC / PAYO FAQ
Can you provide the ChartMill fundamental rating for PAYONEER GLOBAL INC?
ChartMill assigns a fundamental rating of 4 / 10 to PAYO.
What is the valuation status for PAYO stock?
ChartMill assigns a valuation rating of 2 / 10 to PAYONEER GLOBAL INC (PAYO). This can be considered as Overvalued.
Can you provide the profitability details for PAYONEER GLOBAL INC?
PAYONEER GLOBAL INC (PAYO) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for PAYO stock?
The Earnings per Share (EPS) of PAYONEER GLOBAL INC (PAYO) is expected to decline by -36.95% in the next year.