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PAYONEER GLOBAL INC (PAYO) Stock Fundamental Analysis

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

6.64  -0.35 (-5.01%)

After market: 6.63 -0.01 (-0.15%)

Fundamental Rating

4

Taking everything into account, PAYO scores 4 out of 10 in our fundamental rating. PAYO was compared to 101 industry peers in the Financial Services industry. PAYO scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PAYO is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
The reported net income has been mixed in the past 5 years: PAYO reported negative net income in multiple years.
Of the past 5 years PAYO 4 years had a positive operating cash flow.
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

The Return On Assets of PAYO (1.49%) is comparable to the rest of the industry.
PAYO has a Return On Equity of 15.02%. This is in the better half of the industry: PAYO outperforms 72.28% of its industry peers.
Looking at the Return On Invested Capital, with a value of 13.62%, PAYO belongs to the top of the industry, outperforming 89.11% of the companies in the same industry.
Industry RankSector Rank
ROA 1.49%
ROE 15.02%
ROIC 13.62%
ROA(3y)0.88%
ROA(5y)0.15%
ROE(3y)9.52%
ROE(5y)4.05%
ROIC(3y)N/A
ROIC(5y)N/A
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

The Profit Margin of PAYO (11.32%) is comparable to the rest of the industry.
Looking at the Operating Margin, with a value of 14.24%, PAYO is in line with its industry, outperforming 50.49% of the companies in the same industry.
Industry RankSector Rank
OM 14.24%
PM (TTM) 11.32%
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

The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so PAYO is still 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

PAYO has an Altman-Z score of 0.44. 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 (0.44) which is in line with its industry peers.
PAYO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 0.44
ROIC/WACC1.53
WACC8.92%
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

A Current Ratio of 1.00 indicates that PAYO may have some problems paying its short term obligations.
With a Current ratio value of 1.00, PAYO perfoms like the industry average, outperforming 45.54% of the companies in the same industry.
A Quick Ratio of 1.00 indicates that PAYO may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.00, PAYO is in line with its industry, outperforming 46.53% of the companies in the same industry.
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 -3.70% in the last year.
The Revenue has grown by 17.64% in the past year. This is quite good.
PAYO shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 27.35% yearly.
EPS 1Y (TTM)-3.7%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-44.44%
Revenue 1Y (TTM)17.64%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%8.81%

3.2 Future

The Earnings Per Share is expected to grow by 2.66% on average over the next years.
PAYO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.23% yearly.
EPS Next Y-32.88%
EPS Next 2Y-12.6%
EPS Next 3Y2.66%
EPS Next 5YN/A
Revenue Next Year4.99%
Revenue Next 2Y5.42%
Revenue Next 3Y8.23%
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

A Price/Earnings ratio of 25.54 indicates a quite expensive valuation of PAYO.
PAYO's Price/Earnings ratio is a bit more expensive when compared to the industry. PAYO is more expensive than 64.36% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.48. PAYO is around the same levels.
PAYO is valuated quite expensively with a Price/Forward Earnings ratio of 26.34.
Based on the Price/Forward Earnings ratio, PAYO is valued a bit more expensive than 71.29% of the companies in the same industry.
PAYO is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 34.04, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 25.54
Fwd PE 26.34
PAYO Price Earnings VS Forward Price EarningsPAYO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, PAYO is valued a bit cheaper than 67.33% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, PAYO is valued a bit cheaper than 62.38% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.12
EV/EBITDA 10.32
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-12.6%
EPS Next 3Y2.66%

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0

5. Dividend

5.1 Amount

No dividends for PAYO!.
Industry RankSector Rank
Dividend Yield N/A

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PAYONEER GLOBAL INC

NASDAQ:PAYO (8/8/2025, 8:00:02 PM)

After market: 6.63 -0.01 (-0.15%)

6.64

-0.35 (-5.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)11-03 2025-11-03/bmo
Inst Owners91.73%
Inst Owner Change-0.16%
Ins Owners2.56%
Ins Owner Change4.38%
Market Cap2.40B
Analysts84.71
Price Target9.74 (46.69%)
Short Float %3.07%
Short Ratio4.03
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)0
Avg EPS beat(2)-23.26%
Min EPS beat(2)-23.93%
Max EPS beat(2)-22.6%
EPS beat(4)2
Avg EPS beat(4)36.72%
Min EPS beat(4)-23.93%
Max EPS beat(4)125.33%
EPS beat(8)5
Avg EPS beat(8)45.68%
EPS beat(12)7
Avg EPS beat(12)18.78%
EPS beat(16)9
Avg EPS beat(16)-74.3%
Revenue beat(2)1
Avg Revenue beat(2)2.43%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)5.98%
Revenue beat(4)3
Avg Revenue beat(4)4.52%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)7.95%
Revenue beat(8)5
Avg Revenue beat(8)2.94%
Revenue beat(12)9
Avg Revenue beat(12)3.79%
Revenue beat(16)13
Avg Revenue beat(16)4.91%
PT rev (1m)2.51%
PT rev (3m)-14.85%
EPS NQ rev (1m)-0.84%
EPS NQ rev (3m)-7.46%
EPS NY rev (1m)0%
EPS NY rev (3m)-20.88%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)0.59%
Revenue NY rev (3m)-3.75%
Valuation
Industry RankSector Rank
PE 25.54
Fwd PE 26.34
P/S 2.41
P/FCF 19.12
P/OCF 12.56
P/B 3.2
P/tB 4.23
EV/EBITDA 10.32
EPS(TTM)0.26
EY3.92%
EPS(NY)0.25
Fwd EY3.8%
FCF(TTM)0.35
FCFY5.23%
OCF(TTM)0.53
OCFY7.96%
SpS2.75
BVpS2.08
TBVpS1.57
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.49%
ROE 15.02%
ROCE 17.31%
ROIC 13.62%
ROICexc 37.81%
ROICexgc 99.09%
OM 14.24%
PM (TTM) 11.32%
GM N/A
FCFM 12.61%
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-Score6
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 125.32%
Cap/Sales 6.58%
Interest Coverage 250
Cash Conversion 98.47%
Profit Quality 111.4%
Current Ratio 1
Quick Ratio 1
Altman-Z 0.44
F-Score6
WACC8.92%
ROIC/WACC1.53
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)-3.7%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-44.44%
EPS Next Y-32.88%
EPS Next 2Y-12.6%
EPS Next 3Y2.66%
EPS Next 5YN/A
Revenue 1Y (TTM)17.64%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%8.81%
Revenue Next Year4.99%
Revenue Next 2Y5.42%
Revenue Next 3Y8.23%
Revenue Next 5YN/A
EBIT growth 1Y11.43%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year67.84%
EBIT Next 3Y29.27%
EBIT Next 5YN/A
FCF growth 1Y133.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y123.55%
OCF growth 3Y106.75%
OCF growth 5YN/A