PAYONEER GLOBAL INC (PAYO) Fundamental Analysis & Valuation

NASDAQ:PAYO • US70451X1046

Current stock price

4.455 USD
-0.09 (-2.09%)
Last:

This PAYO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PAYO Profitability Analysis

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 each 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 2025 0 50M 100M 150M 200M

1.2 Ratios

  • PAYO's Return On Assets of 0.82% is on the low side compared to the rest of the industry. PAYO is outperformed by 62.24% of its industry peers.
  • The Return On Equity of PAYO (10.39%) is comparable to the rest of the industry.
  • PAYO's Return On Invested Capital of 10.89% is amongst the best of the industry. PAYO outperforms 85.71% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PAYO is above the industry average of 8.22%.
Industry RankSector Rank
ROA 0.82%
ROE 10.39%
ROIC 10.89%
ROA(3y)1.21%
ROA(5y)0.56%
ROE(3y)13.72%
ROE(5y)6.4%
ROIC(3y)11.86%
ROIC(5y)N/A
PAYO Yearly ROA, ROE, ROICPAYO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2025 0 5 -5 10 15

1.3 Margins

  • PAYO's Profit Margin of 6.95% is in line compared to the rest of the industry. PAYO outperforms 45.92% of its industry peers.
  • PAYO has a Operating Margin (12.02%) which is comparable to the rest of the industry.
  • PAYO's Gross Margin of 84.30% is amongst the best of the industry. PAYO outperforms 87.76% of its industry peers.
Industry RankSector Rank
OM 12.02%
PM (TTM) 6.95%
GM 84.3%
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 2025 0 20 40 60 80

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6

2. PAYO Health Analysis

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.
  • The number of shares outstanding for PAYO has been reduced compared to 1 year ago.
  • Compared to 5 years ago, PAYO has more shares outstanding
  • PAYO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PAYO Yearly Shares OutstandingPAYO Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 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 2025 2B 4B 6B 8B

2.2 Solvency

  • PAYO has an Altman-Z score of 0.31. This is a bad value and indicates that PAYO is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 0.31, PAYO perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • 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 0.31
ROIC/WACC1.22
WACC8.9%
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 2025 0 200M 400M 600M

2.3 Liquidity

  • A Current Ratio of 1.00 indicates that PAYO should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.00, PAYO perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • PAYO has a Quick Ratio of 1.00. This is a normal value and indicates that PAYO is financially healthy and should not expect problems in meeting its short term obligations.
  • PAYO has a Quick ratio (1.00) which is comparable to the rest of the 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 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PAYO Growth Analysis

3.1 Past

  • The earnings per share for PAYO have decreased strongly by -42.42% in the last year.
  • PAYO shows a small growth in Revenue. In the last year, the Revenue has grown by 7.68%.
  • Measured over the past years, PAYO shows a quite strong growth in Revenue. The Revenue has been growing by 18.82% on average per year.
EPS 1Y (TTM)-42.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)7.68%
Revenue growth 3Y18.82%
Revenue growth 5YN/A
Sales Q2Q%4.95%

3.2 Future

  • The Earnings Per Share is expected to grow by 40.80% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, PAYO will show a quite strong growth in Revenue. The Revenue will grow by 8.81% on average per year.
EPS Next Y41.37%
EPS Next 2Y30.52%
EPS Next 3Y40.8%
EPS Next 5YN/A
Revenue Next Year5.18%
Revenue Next 2Y7.57%
Revenue Next 3Y8.81%
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.
PAYO Yearly Revenue VS EstimatesPAYO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
PAYO Yearly EPS VS EstimatesPAYO Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.2 -0.2 0.4

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5

4. PAYO Valuation Analysis

4.1 Price/Earnings Ratio

  • PAYO is valuated rather expensively with a Price/Earnings ratio of 23.45.
  • 63.27% of the companies in the same industry are cheaper than PAYO, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.73, PAYO is valued at the same level.
  • The Price/Forward Earnings ratio is 16.59, which indicates a correct valuation of PAYO.
  • 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 23.72.
Industry RankSector Rank
PE 23.45
Fwd PE 16.59
PAYO Price Earnings VS Forward Price EarningsPAYO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PAYO is valued cheaper than 88.78% of the companies in the same industry.
  • PAYO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PAYO is cheaper than 74.49% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.54
EV/EBITDA 6
PAYO Per share dataPAYO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

  • PAYO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PAYO's earnings are expected to grow with 40.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.57
PEG (5Y)N/A
EPS Next 2Y30.52%
EPS Next 3Y40.8%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PAYO Dividend Analysis

5.1 Amount

  • PAYO does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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PAYO Fundamentals: All Metrics, Ratios and Statistics

PAYONEER GLOBAL INC

NASDAQ:PAYO (3/20/2026, 3:38:05 PM)

4.455

-0.09 (-2.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)05-05
Inst Owners93.55%
Inst Owner Change-0.48%
Ins Owners3.17%
Ins Owner Change9.76%
Market Cap1.54B
Revenue(TTM)1.05B
Net Income(TTM)73.19M
Analysts84.71
Price Target8.64 (93.94%)
Short Float %4.27%
Short Ratio2.98
Dividend
Industry RankSector 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)-24.9%
Min EPS beat(2)-34.64%
Max EPS beat(2)-15.16%
EPS beat(4)0
Avg EPS beat(4)-24.21%
Min EPS beat(4)-34.64%
Max EPS beat(4)-15.16%
EPS beat(8)3
Avg EPS beat(8)15.56%
EPS beat(12)5
Avg EPS beat(12)21.23%
EPS beat(16)8
Avg EPS beat(16)22.93%
Revenue beat(2)1
Avg Revenue beat(2)-1.9%
Min Revenue beat(2)-4.62%
Max Revenue beat(2)0.82%
Revenue beat(4)2
Avg Revenue beat(4)-0.99%
Min Revenue beat(4)-4.62%
Max Revenue beat(4)0.94%
Revenue beat(8)6
Avg Revenue beat(8)2.62%
Revenue beat(12)8
Avg Revenue beat(12)1.83%
Revenue beat(16)12
Avg Revenue beat(16)3.34%
PT rev (1m)0%
PT rev (3m)-6.16%
EPS NQ rev (1m)-14.4%
EPS NQ rev (3m)-24.28%
EPS NY rev (1m)-5.58%
EPS NY rev (3m)-9.54%
Revenue NQ rev (1m)-2.01%
Revenue NQ rev (3m)-3.57%
Revenue NY rev (1m)-1.04%
Revenue NY rev (3m)-2.57%
Valuation
Industry RankSector Rank
PE 23.45
Fwd PE 16.59
P/S 1.46
P/FCF 10.54
P/OCF 6.58
P/B 2.18
P/tB 3.67
EV/EBITDA 6
EPS(TTM)0.19
EY4.26%
EPS(NY)0.27
Fwd EY6.03%
FCF(TTM)0.42
FCFY9.49%
OCF(TTM)0.68
OCFY15.2%
SpS3.05
BVpS2.04
TBVpS1.21
PEG (NY)0.57
PEG (5Y)N/A
Graham Number2.96
Profitability
Industry RankSector Rank
ROA 0.82%
ROE 10.39%
ROCE 14.5%
ROIC 10.89%
ROICexc 20.78%
ROICexgc 55.42%
OM 12.02%
PM (TTM) 6.95%
GM 84.3%
FCFM 13.85%
ROA(3y)1.21%
ROA(5y)0.56%
ROE(3y)13.72%
ROE(5y)6.4%
ROIC(3y)11.86%
ROIC(5y)N/A
ROICexc(3y)40.4%
ROICexc(5y)N/A
ROICexgc(3y)142.52%
ROICexgc(5y)N/A
ROCE(3y)15.8%
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-Score6
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 133.68%
Cap/Sales 8.33%
Interest Coverage 250
Cash Conversion 121.49%
Profit Quality 199.15%
Current Ratio 1
Quick Ratio 1
Altman-Z 0.31
F-Score6
WACC8.9%
ROIC/WACC1.22
Cap/Depr(3y)144.4%
Cap/Depr(5y)137.5%
Cap/Sales(3y)6.75%
Cap/Sales(5y)5.85%
Profit Quality(3y)138.33%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-42.42%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y41.37%
EPS Next 2Y30.52%
EPS Next 3Y40.8%
EPS Next 5YN/A
Revenue 1Y (TTM)7.68%
Revenue growth 3Y18.82%
Revenue growth 5YN/A
Sales Q2Q%4.95%
Revenue Next Year5.18%
Revenue Next 2Y7.57%
Revenue Next 3Y8.81%
Revenue Next 5YN/A
EBIT growth 1Y-16.27%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year117.2%
EBIT Next 3Y44.67%
EBIT Next 5YN/A
FCF growth 1Y25.08%
FCF growth 3Y38.28%
FCF growth 5YN/A
OCF growth 1Y31.97%
OCF growth 3Y40.63%
OCF growth 5YN/A

PAYONEER GLOBAL INC / PAYO Fundamental Analysis 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 5 / 10 to PAYONEER GLOBAL INC (PAYO). This can be considered as Fairly Valued.


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 grow by 41.37% in the next year.