Payoneer Global Inc. PAYO R2K
Technology · Software - Infrastructure · United States
Payoneer Global Inc. operates as a financial technology company. The company offers customers with a multi-currency account to serve their cross-border accounts receivable and accounts payable needs through payment infrastructure platform. It delivers a suite of services, such as funds management, working capital, multicurrency accounts, and workforce management. It also provides various payment options with minimal integration required, full back-office functions, and customer support. The company serves small and medium-sized businesses worldwide. Payoneer Global Inc. was founded in 2005 and is headquartered in New York, New York.
READ MORE ›$5.20
-23.64% 1Y
Market & Price
Market Cap
$1.74B
Current Price
$5.20
High / Low (52W)
$7.42 / $4.27
Beta
1.01
Valuation
Stock P/E
26.00
Industry PE
32.74
Forward P/E
13.88
PEG Ratio
-
Book Value
$1.95
Price to Book
2.67
P/S
1.63
EV/EBITDA
7.27
Dividend Yield
-
Profitability & Returns
ROCE
14.28%
ROE
10.24%
ROA
1.05%
Profit Margin
6.76%
Op Margin
11.48%
EPS (Latest Qtr)
$0.06
EPS (TTM)
$0.20
Balance Sheet & Liquidity
Debt/Equity
0.12
Quick Ratio
0.98
Current Ratio
0.99
Debt
$80.03M
Total Assets
$8.96B
Current Assets
$8.11B
Working Capital
$27.20M
Ownership
Promoter Holding
3.13%
Chg in Prom Hold
-
FII / Inst Holding
92.79%
Chg in FII Hold
-0.03%
Financial Snapshot
Enterprise Value
$1.48B
Total Revenue (TTM)
$1.07B
EBITDA
$203.79M
Free Cash Flow
$-39.31M
Operating Cash Flow
$231.60M
Shares Outstanding
334.78M
Gross Margin
84.91%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
12.79%
Profit 5Y
237.15%
Revenue (YoY)
6.10%
Earnings (YoY)
13.30%
PROS
- Compounding revenue at 12.8% over 5 years.
- Profit CAGR of 237.2% over 5 years.
CONS
- Trading 29.9% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PAYO Payoneer Global Inc. R2K | 5.20 | 26.00 | $1.74B | - | 14.28% | 10.24% | 12.79% | 237.15% |
| 2 | NVDA NVIDIA Corporation NDXSPXAI | 211.14 | 32.38 | $5.11T | 0.47% | 81.14% | 114.29% | 100.05% | 201.80% |
| 3 | AAPL Apple Inc. NDXSPX | 312.06 | 37.73 | $4.58T | 0.35% | 68.72% | 141.47% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXAI | 450.24 | 26.82 | $3.34T | 0.81% | 26.37% | 34.01% | 12.42% | 11.87% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AI | 418.45 | 35.86 | $2.17T | 0.91% | 32.04% | 36.21% | 18.94% | 19.57% |
| 6 | MU Micron Technology, Inc. NDXSPXAI | 971.00 | 45.87 | $1.10T | 0.06% | 14.20% | 39.82% | 6.71% | -0.57% |
| 7 | AMD Advanced Micro Devices, Inc. NDXSPXAI | 516.10 | 172.61 | $841.55B | - | 6.33% | 8.06% | 13.64% | 48.64% |
| 8 | ORCL Oracle Corporation SPXAI | 225.78 | 40.46 | $649.35B | 0.89% | 13.07% | 57.57% | 10.59% | 22.81% |
| 9 | ASML ASML Holding N.V. NDXAI | 1,612.76 | 53.76 | $621.59B | 0.54% | 43.81% | 52.24% | 15.55% | 19.55% |
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Quarterly Results
Figures in USD.
| Metric | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 77.38M | 89.76M | - | 100.08M | 110.28M | 122.01M | - | 136.10M | 144.70M | 143.87M | 139.74M | 149.12M | 145.20M | 160.46M | 171.24M | - | - | 188.65M | 202.28M | 211.32M | 218.92M | 210.06M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 38.06M | 43.12M | 39.35M | 40.57M | 42.48M | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 145.05M | 158.02M | 149.30M | 161.71M | 168.84M | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 217.30M | 230.54M | 234.50M | 245.77M | 231.57M |
| Operating Income | -5.73M | 941.00K | - | -1.15M | -18.36M | -6.51M | - | -6.34M | -2.20M | -5.10M | 15.01M | 33.39M | 29.50M | 38.38M | 46.31M | - | - | -28.65M | -28.26M | -23.18M | -26.85M | -21.52M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 43.71M | 45.63M | 52.49M | 48.47M | 48.94M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.55M | 227.00K | 5.84M | 1.47M | 812.00K |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 27.77M | 29.85M | 30.51M | 27.46M | 29.21M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.19M | 10.37M | 16.39M | 8.45M | 9.64M |
| Net Income | -6.66M | 1.61M | -11.21M | -3.51M | -12.41M | 837.00K | -18.90M | 20.21M | 4.42M | -26.45M | 7.94M | 45.55M | 12.82M | 28.97M | 32.42M | - | - | 20.58M | 19.48M | 14.12M | 19.01M | 19.57M |
| Diluted EPS | - | - | -0.29 | -0.16 | -0.63 | - | -0.06 | 0.06 | 0.01 | -0.08 | 0.02 | 0.12 | 0.03 | 0.08 | 0.09 | 0.11 | - | 0.05 | 0.05 | 0.04 | - | 0.06 |
| R&D Expense | 11.15M | 13.21M | - | 16.65M | 18.54M | 20.10M | - | 25.91M | 26.61M | 29.62M | 29.28M | 28.00M | 26.95M | 32.05M | 27.58M | 34.62M | - | 37.27M | 37.39M | 39.86M | - | 43.33M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 300.53M | 339.59M | - | 572.33M | 600.47M | 720.87M | 821.16M |
| Cost of Revenue | - | - | 101.48M | 110.17M | 122.29M | 152.11M | - |
| Gross Profit | - | - | 371.93M | 462.17M | 478.18M | 568.76M | - |
| Operating Expenses | - | - | - | 649.84M | 727.49M | 828.68M | 928.11M |
| Operating Income | 3.64M | -17.30M | - | -77.51M | -127.03M | -107.81M | -106.95M |
| EBITDA | - | - | - | 32.61M | -99.21M | -60.52M | 190.29M |
| Interest Expense | - | - | - | 10.13M | - | - | 9.08M |
| Pretax Income | - | - | - | 1.62M | 132.54M | 139.47M | 115.59M |
| Tax Provision | - | - | - | 13.59M | 39.20M | 18.31M | 42.40M |
| Net Income | -625.00K | -23.75M | - | -11.97M | 93.33M | 121.16M | 73.19M |
| Diluted EPS | -0.33 | -0.80 | -0.33 | -0.03 | 0.24 | 0.31 | - |
| R&D Expense | 34.77M | 52.30M | 80.76M | 115.04M | 119.20M | 134.63M | 155.42M |
Compounded Sales Growth
| 5 Years: | 12.79% |
| 1 Year: | 6.10% |
Compounded Profit Growth
| 5 Years: | 237.15% |
| 1 Year: | 13.30% |
Stock Price Performance
| 1 Year: | -23.64% |
| 6 Months: | -8.77% |
| 3 Months: | +20.37% |
| 1 Month: | +2.97% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 3.67B | - | 6.59B | 7.28B | 7.93B | 8.96B |
| Current Assets | - | - | - | - | 6.47B | 7.11B | 7.10B | 8.11B |
| Cash & Equivalents | - | 114.90M | 102.99M | - | 543.30M | 617.02M | 497.47M | 415.54M |
| Inventory | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | 12.88M | 7.98M | 11.94M | 10.41M |
| Total Liabilities | - | - | 3.48B | - | 6.05B | 6.62B | 7.21B | 8.25B |
| Current Liabilities | - | - | 3.44B | - | 5.98B | 6.54B | 7.13B | 8.08B |
| Long Term Debt | - | - | 26.52M | 13.66M | 16.14M | 18.41M | - | - |
| Total Debt | - | - | - | - | 31.01M | 43.42M | 21.38M | 72.33M |
| Total Equity | -16.46M | -5.36M | 24.30M | - | 545.26M | 664.27M | 724.79M | 704.43M |
| Shares Outstanding | - | - | - | - | 352.84M | 368.66M | 395.97M | 411.83M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -14.31M | 9.53M | - | 83.96M | 159.49M | 176.93M | 233.49M |
| Investing Cash Flow | -20.58M | -66.85M | - | 5.73M | -44.25M | -1.96B | -218.34M |
| Financing Cash Flow | 353.74M | 1.67B | - | 1.46B | 511.95M | 427.77M | 738.04M |
| Capital Expenditure | -9.15M | -4.99M | - | -28.83M | -47.79M | -60.39M | -87.73M |
| Free Cash Flow | -23.46M | 4.53M | - | 55.13M | 111.70M | 116.53M | 145.76M |
| Net Change in Cash | - | - | - | 1.55B | 627.19M | -1.36B | 753.18M |
| Share Buybacks | - | - | - | - | 55.44M | 137.51M | 173.60M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | 80.8% | 79.6% | 78.9% | - |
| Operating Margin % | 1.2% | -5.1% | - | -13.5% | -21.2% | -15.0% | -13.0% |
| Net Margin % | -0.2% | -7.0% | - | -2.1% | 15.5% | 16.8% | 8.9% |
| ROE % | 11.7% | -97.7% | - | -2.2% | 14.1% | 16.7% | 10.4% |
| ROCE % | - | -7.6% | - | -12.6% | -17.1% | -13.5% | -12.3% |
Shareholding Pattern
Insiders
3.13%
Institutions
92.79%
Public Float
95.79%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 11.94% | 39.97M | $207.87M |
| 2 | Technology Crossover Management VIII, Ltd. | 10.21% | 34.20M | $177.82M |
| 3 | Susquehanna Capital Management, LLC | 6.14% | 20.55M | $106.84M |
| 4 | Vanguard Portfolio Management LLC | 4.40% | 14.73M | $76.60M |
| 5 | BNP Paribas Asset Management Holding S.A. | 4.10% | 13.73M | $71.42M |
| 6 | Vanguard Capital Management LLC | 3.75% | 12.54M | $65.23M |
| 7 | State Street Corporation | 3.27% | 10.93M | $56.85M |
| 8 | Price (T.Rowe) Associates Inc | 2.98% | 9.97M | $51.87M |
| 9 | American Century Companies Inc | 2.28% | 7.65M | $39.77M |
| 10 | Dimensional Fund Advisors LP | 2.25% | 7.54M | $39.23M |
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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