5.89 USD
-0.11 (-1.83%)
At close: Feb 11, 2026
5.91 USD
+0.02 (+0.34%)
Pre-Market: 2/12/2026, 8:00:01 AM
Taking everything into account, PAYO scores 4 out of 10 in our fundamental rating. PAYO was compared to 96 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.
- Of the past 5 years PAYO 4 years had a positive operating cash flow.
1.2 Ratios
- PAYO has a Return On Assets of 0.88%. This is comparable to the rest of the industry: PAYO outperforms 41.67% of its industry peers.
- With a Return On Equity value of 9.64%, PAYO perfoms like the industry average, outperforming 54.17% of the companies in the same industry.
- PAYO has a Return On Invested Capital of 10.99%. This is amongst the best in the industry. PAYO outperforms 85.42% of its industry peers.
| 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 45.83% of the companies in the same industry.
- PAYO has a Operating Margin (12.06%) which is comparable to the rest of the industry.
- PAYO has a Gross Margin of 84.08%. This is amongst the best in the industry. PAYO outperforms 87.50% 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.
- 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.
2.2 Solvency
- PAYO has an Altman-Z score of 0.39. This is a bad value and indicates that PAYO is not financially healthy and even has some risk of bankruptcy.
- PAYO has a Altman-Z score (0.39) which is comparable to the rest of the industry.
- 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 | 0.39 |
ROIC/WACC1.25
WACC8.81%
2.3 Liquidity
- A Current Ratio of 1.01 indicates that PAYO should not have too much problems paying its short term obligations.
- PAYO has a Current ratio (1.01) which is comparable to the rest of the industry.
- A Quick Ratio of 1.01 indicates that PAYO should not have too much problems paying its short term obligations.
- PAYO has a Quick ratio (1.01) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.01 | ||
| Quick Ratio | 1.01 |
3. Growth
3.1 Past
- The earnings per share for PAYO have decreased strongly by -45.71% in the last year.
- Looking at the last year, PAYO shows a quite strong growth in Revenue. The Revenue has grown by 10.58% in the last year.
- 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
- The Earnings Per Share is expected to grow by 1.35% 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 9.41% on average per year.
EPS Next Y-37.77%
EPS Next 2Y-7.15%
EPS Next 3Y1.35%
EPS Next 5YN/A
Revenue Next Year10.72%
Revenue Next 2Y8.48%
Revenue Next 3Y9.41%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- PAYO is valuated quite expensively with a Price/Earnings ratio of 31.00.
- Based on the Price/Earnings ratio, PAYO is valued a bit more expensive than 67.71% of the companies in the same industry.
- When comparing the Price/Earnings ratio of PAYO to the average of the S&P500 Index (28.18), we can say PAYO is valued inline with the index average.
- The Price/Forward Earnings ratio is 20.71, which indicates a rather expensive current valuation of PAYO.
- Based on the Price/Forward Earnings ratio, PAYO is valued a bit more expensive than 63.54% of the companies in the same industry.
- PAYO's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31 | ||
| Fwd PE | 20.71 |
4.2 Price Multiples
- PAYO's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PAYO is cheaper than 70.83% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, PAYO is valued a bit cheaper than 64.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.81 | ||
| EV/EBITDA | 8.75 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-7.15%
EPS Next 3Y1.35%
5. Dividend
5.1 Amount
- PAYO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
5.89
-0.11 (-1.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/bmo
Earnings (Next)02-26 2026-02-26/amc
Inst Owners93.31%
Inst Owner Change-1.87%
Ins Owners2.48%
Ins Owner Change-2.38%
Market Cap2.10B
Revenue(TTM)1.04B
Net Income(TTM)72.37M
Analysts84.71
Price Target8.64 (46.69%)
Short Float %3.69%
Short Ratio3.4
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)-4.39%
PT rev (3m)-12.61%
EPS NQ rev (1m)1.96%
EPS NQ rev (3m)-4.23%
EPS NY rev (1m)-1.31%
EPS NY rev (3m)-14.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.63%
Revenue NY rev (1m)-0.46%
Revenue NY rev (3m)0.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31 | ||
| Fwd PE | 20.71 | ||
| P/S | 2.02 | ||
| P/FCF | 13.81 | ||
| P/OCF | 9.35 | ||
| P/B | 2.8 | ||
| P/tB | 4.5 | ||
| EV/EBITDA | 8.75 |
EPS(TTM)0.19
EY3.23%
EPS(NY)0.28
Fwd EY4.83%
FCF(TTM)0.43
FCFY7.24%
OCF(TTM)0.63
OCFY10.69%
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 | 0.39 |
F-Score7
WACC8.81%
ROIC/WACC1.25
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-37.77%
EPS Next 2Y-7.15%
EPS Next 3Y1.35%
EPS Next 5YN/A
Revenue 1Y (TTM)10.58%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%9.09%
Revenue Next Year10.72%
Revenue Next 2Y8.48%
Revenue Next 3Y9.41%
Revenue Next 5YN/A
EBIT growth 1Y-14.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year85.59%
EBIT Next 3Y31.57%
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 -37.77% in the next year.