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PAYONEER GLOBAL INC (PAYO) Stock Fundamental Analysis

NASDAQ:PAYO - Nasdaq - US70451X1046 - Common Stock - Currency: USD

6.63  +0.3 (+4.74%)

After market: 6.64 +0.01 (+0.15%)

Fundamental Rating

4

Overall PAYO gets a fundamental rating of 4 out of 10. We evaluated PAYO against 101 industry peers in the Financial Services industry. PAYO has an average financial health and profitability rating. While showing a medium growth rate, PAYO is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

PAYO had positive earnings in the past year.
PAYO had a positive operating cash flow in the past year.
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.
PAYO Yearly Net Income VS EBIT VS OCF VS FCFPAYO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 50M 100M 150M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.53%, PAYO is in line with its industry, outperforming 50.49% of the companies in the same industry.
Looking at the Return On Equity, with a value of 16.72%, PAYO belongs to the top of the industry, outperforming 81.19% of the companies in the same industry.
PAYO's Return On Invested Capital of 14.87% is amongst the best of the industry. PAYO outperforms 91.09% of its industry peers.
Industry RankSector Rank
ROA 1.53%
ROE 16.72%
ROIC 14.87%
ROA(3y)0.88%
ROA(5y)0.15%
ROE(3y)9.52%
ROE(5y)4.05%
ROIC(3y)N/A
ROIC(5y)N/A
PAYO Yearly ROA, ROE, ROICPAYO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 5 -5 10 15

1.3 Margins

PAYO's Profit Margin of 12.39% is in line compared to the rest of the industry. PAYO outperforms 58.42% of its industry peers.
Looking at the Operating Margin, with a value of 15.46%, PAYO is in line with its industry, outperforming 52.48% of the companies in the same industry.
Industry RankSector Rank
OM 15.46%
PM (TTM) 12.39%
GM N/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
PAYO Yearly Profit, Operating, Gross MarginsPAYO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 5 -5 10 15

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5

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.
PAYO has more shares outstanding than it did 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.
PAYO Yearly Shares OutstandingPAYO Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 100M 200M 300M
PAYO Yearly Total Debt VS Total AssetsPAYO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

Based on the Altman-Z score of 0.40, we must say that PAYO is in the distress zone and has some risk of bankruptcy.
PAYO has a Altman-Z score (0.40) 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 0.4
ROIC/WACC1.54
WACC9.64%
PAYO Yearly LT Debt VS Equity VS FCFPAYO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

PAYO has a Current Ratio of 1.00. This is a bad value and indicates that PAYO is not financially healthy enough and could expect problems in meeting its short term obligations.
PAYO has a Current ratio (1.00) which is in line with its industry peers.
A Quick Ratio of 1.00 indicates that PAYO may have some problems paying its short term obligations.
PAYO's Quick ratio of 1.00 is in line compared to the rest of the industry. PAYO outperforms 50.49% of its industry peers.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
PAYO Yearly Current Assets VS Current LiabilitesPAYO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2B 4B 6B

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5

3. Growth

3.1 Past

The earnings per share for PAYO have decreased by 0.00% in the last year.
The Revenue has grown by 17.64% 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)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-37.5%
Revenue 1Y (TTM)17.64%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%8.08%

3.2 Future

The Earnings Per Share is expected to grow by 2.66% on average over the next years.
Based on estimates for the next years, PAYO will show a quite strong growth in Revenue. The Revenue will grow by 9.70% on average per year.
EPS Next Y-15.17%
EPS Next 2Y-0.74%
EPS Next 3Y2.66%
EPS Next 5YN/A
Revenue Next Year6.21%
Revenue Next 2Y7.24%
Revenue Next 3Y9.7%
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.
PAYO Yearly Revenue VS EstimatesPAYO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
PAYO Yearly EPS VS EstimatesPAYO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.1 -0.1 0.2 -0.2 0.3

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2

4. Valuation

4.1 Price/Earnings Ratio

PAYO is valuated rather expensively with a Price/Earnings ratio of 22.10.
Based on the Price/Earnings ratio, PAYO is valued a bit more expensive than the industry average as 61.39% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 24.21. PAYO is around the same levels.
PAYO is valuated rather expensively with a Price/Forward Earnings ratio of 20.39.
Based on the Price/Forward Earnings ratio, PAYO is valued a bit more expensive than 63.37% of the companies in the same industry.
PAYO is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 20.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 22.1
Fwd PE 20.39
PAYO Price Earnings VS Forward Price EarningsPAYO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, PAYO is valued a bit cheaper than 68.32% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAYO indicates a somewhat cheap valuation: PAYO is cheaper than 62.38% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 20.61
EV/EBITDA 9.6
PAYO Per share dataPAYO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-0.74%
EPS Next 3Y2.66%

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0

5. Dividend

5.1 Amount

PAYO does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PAYONEER GLOBAL INC

NASDAQ:PAYO (5/9/2025, 8:15:10 PM)

After market: 6.64 +0.01 (+0.15%)

6.63

+0.3 (+4.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07/bmo
Earnings (Next)08-05 2025-08-05/bmo
Inst Owners92.33%
Inst Owner Change-2.13%
Ins Owners4.08%
Ins Owner Change-1.88%
Market Cap2.40B
Analysts82.5
Price Target11.67 (76.02%)
Short Float %5.46%
Short Ratio4.56
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)1
Avg EPS beat(2)51.37%
Min EPS beat(2)-22.6%
Max EPS beat(2)125.33%
EPS beat(4)3
Avg EPS beat(4)55.33%
Min EPS beat(4)-22.6%
Max EPS beat(4)125.33%
EPS beat(8)5
Avg EPS beat(8)43.95%
EPS beat(12)8
Avg EPS beat(12)38.65%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)6.96%
Min Revenue beat(2)5.98%
Max Revenue beat(2)7.95%
Revenue beat(4)4
Avg Revenue beat(4)6.23%
Min Revenue beat(4)5.27%
Max Revenue beat(4)7.95%
Revenue beat(8)6
Avg Revenue beat(8)3.25%
Revenue beat(12)10
Avg Revenue beat(12)4.79%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-3.68%
PT rev (3m)-4.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.36%
EPS NY rev (1m)-0.81%
EPS NY rev (3m)-18.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)-2.63%
Revenue NY rev (3m)-1.7%
Valuation
Industry RankSector Rank
PE 22.1
Fwd PE 20.39
P/S 2.46
P/FCF 20.61
P/OCF 13.58
P/B 3.31
P/tB 4.41
EV/EBITDA 9.6
EPS(TTM)0.3
EY4.52%
EPS(NY)0.33
Fwd EY4.9%
FCF(TTM)0.32
FCFY4.85%
OCF(TTM)0.49
OCFY7.36%
SpS2.7
BVpS2
TBVpS1.5
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.53%
ROE 16.72%
ROCE 18.91%
ROIC 14.87%
ROICexc 39.39%
ROICexgc 97.72%
OM 15.46%
PM (TTM) 12.39%
GM N/A
FCFM 11.92%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 127.69%
Cap/Sales 6.18%
Interest Coverage 108.05
Cash Conversion 89.15%
Profit Quality 96.18%
Current Ratio 1
Quick Ratio 1
Altman-Z 0.4
F-Score8
WACC9.64%
ROIC/WACC1.54
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)0%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-37.5%
EPS Next Y-15.17%
EPS Next 2Y-0.74%
EPS Next 3Y2.66%
EPS Next 5YN/A
Revenue 1Y (TTM)17.64%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%8.08%
Revenue Next Year6.21%
Revenue Next 2Y7.24%
Revenue Next 3Y9.7%
Revenue Next 5YN/A
EBIT growth 1Y45.49%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year78.55%
EBIT Next 3Y32.43%
EBIT Next 5YN/A
FCF growth 1Y4.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y10.93%
OCF growth 3Y106.75%
OCF growth 5YN/A