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PAYONEER GLOBAL INC (PAYO) Stock Fundamental Analysis

NASDAQ:PAYO - US70451X1046 - Common Stock

6.95 USD
+0.07 (+1.02%)
Last: 8/29/2025, 8:00:02 PM
6.95 USD
0 (0%)
After Hours: 8/29/2025, 8:00:02 PM
Fundamental Rating

4

Taking everything into account, PAYO scores 4 out of 10 in our fundamental rating. PAYO was compared to 100 industry peers in the Financial Services industry. PAYO has only an average score on both its financial health and profitability. 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

In the past year PAYO was profitable.
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

PAYO has a Return On Assets (1.23%) which is comparable to the rest of the industry.
With a decent Return On Equity value of 12.95%, PAYO is doing good in the industry, outperforming 66.00% of the companies in the same industry.
PAYO has a better Return On Invested Capital (10.95%) than 88.00% of its industry peers.
Industry RankSector Rank
ROA 1.23%
ROE 12.95%
ROIC 10.95%
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 has a Profit Margin (9.81%) which is comparable to the rest of the industry.
The Operating Margin of PAYO (12.35%) is comparable to the rest of the industry.
With an excellent Gross Margin value of 81.16%, PAYO belongs to the best of the industry, outperforming 87.00% of the companies in the same industry.
Industry RankSector Rank
OM 12.35%
PM (TTM) 9.81%
GM 81.16%
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 20 40 60 80

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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.
The number of shares outstanding for PAYO has been increased compared to 1 year ago.
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 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 0.41. This is a bad value and indicates that PAYO is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of PAYO (0.41) 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 0.41
ROIC/WACC1.23
WACC8.88%
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 normal value and indicates that PAYO is financially healthy and should not expect problems in meeting its short term obligations.
PAYO has a Current ratio of 1.00. This is comparable to the rest of the industry: PAYO outperforms 47.00% of its industry peers.
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.
The Quick ratio of PAYO (1.00) 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 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.
Looking at the last year, PAYO shows a quite strong growth in Revenue. The Revenue has grown by 13.02% in the last year.
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)13.02%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%8.81%

3.2 Future

PAYO is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.67% yearly.
Based on estimates for the next years, PAYO will show a quite strong growth in Revenue. The Revenue will grow by 10.12% on average per year.
EPS Next Y-26.85%
EPS Next 2Y-7.15%
EPS Next 3Y1.67%
EPS Next 5YN/A
Revenue Next Year9.69%
Revenue Next 2Y8.67%
Revenue Next 3Y10.12%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past 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

The Price/Earnings ratio is 26.73, which means the current valuation is very expensive for PAYO.
Based on the Price/Earnings ratio, PAYO is valued a bit more expensive than 63.00% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.08, PAYO is valued at the same level.
With a Price/Forward Earnings ratio of 24.43, PAYO is valued on the expensive side.
Based on the Price/Forward Earnings ratio, PAYO is valued a bit more expensive than 69.00% 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 22.72, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 26.73
Fwd PE 24.43
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

68.00% of the companies in the same industry are more expensive than PAYO, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, PAYO is valued a bit cheaper than 69.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.38
EV/EBITDA 10.85
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-7.15%
EPS Next 3Y1.67%

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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 (8/29/2025, 8:00:02 PM)

After market: 6.95 0 (0%)

6.95

+0.07 (+1.02%)

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-1.2%
Ins Owners2.56%
Ins Owner Change-1.79%
Market Cap2.50B
Analysts84.71
Price Target10.02 (44.17%)
Short Float %3.18%
Short Ratio3.56
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)0
Avg EPS beat(2)-23.52%
Min EPS beat(2)-23.93%
Max EPS beat(2)-23.11%
EPS beat(4)1
Avg EPS beat(4)13.92%
Min EPS beat(4)-23.93%
Max EPS beat(4)125.33%
EPS beat(8)4
Avg EPS beat(8)17.69%
EPS beat(12)6
Avg EPS beat(12)7.08%
EPS beat(16)9
Avg EPS beat(16)19.82%
Revenue beat(2)1
Avg Revenue beat(2)-0.09%
Min Revenue beat(2)-1.12%
Max Revenue beat(2)0.94%
Revenue beat(4)3
Avg Revenue beat(4)3.44%
Min Revenue beat(4)-1.12%
Max Revenue beat(4)7.95%
Revenue beat(8)5
Avg Revenue beat(8)2.7%
Revenue beat(12)9
Avg Revenue beat(12)2.96%
Revenue beat(16)13
Avg Revenue beat(16)4.61%
PT rev (1m)0.87%
PT rev (3m)-14.11%
EPS NQ rev (1m)21.64%
EPS NQ rev (3m)-21.92%
EPS NY rev (1m)8.99%
EPS NY rev (3m)1.64%
Revenue NQ rev (1m)7.97%
Revenue NQ rev (3m)-0.94%
Revenue NY rev (1m)5.1%
Revenue NY rev (3m)5.3%
Valuation
Industry RankSector Rank
PE 26.73
Fwd PE 24.43
P/S 2.46
P/FCF 16.38
P/OCF 11.36
P/B 3.25
P/tB 5.12
EV/EBITDA 10.85
EPS(TTM)0.26
EY3.74%
EPS(NY)0.28
Fwd EY4.09%
FCF(TTM)0.42
FCFY6.1%
OCF(TTM)0.61
OCFY8.8%
SpS2.82
BVpS2.14
TBVpS1.36
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.23%
ROE 12.95%
ROCE 13.92%
ROIC 10.95%
ROICexc 24.38%
ROICexgc 80.04%
OM 12.35%
PM (TTM) 9.81%
GM 81.16%
FCFM 15.03%
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 118.25%
Cap/Sales 6.64%
Interest Coverage 250
Cash Conversion 120.64%
Profit Quality 153.14%
Current Ratio 1
Quick Ratio 1
Altman-Z 0.41
F-Score6
WACC8.88%
ROIC/WACC1.23
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-26.85%
EPS Next 2Y-7.15%
EPS Next 3Y1.67%
EPS Next 5YN/A
Revenue 1Y (TTM)13.02%
Revenue growth 3Y27.35%
Revenue growth 5YN/A
Sales Q2Q%8.81%
Revenue Next Year9.69%
Revenue Next 2Y8.67%
Revenue Next 3Y10.12%
Revenue Next 5YN/A
EBIT growth 1Y-10.41%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year67.84%
EBIT Next 3Y29.27%
EBIT Next 5YN/A
FCF growth 1Y82.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y91.66%
OCF growth 3Y106.75%
OCF growth 5YN/A