Payoneer Global
PAYO
7.16
+0.01
+0.14%
Payoneer Global
US · PAYO
#2654 by market cap
Listed 1970
7.16
+0.01
+0.14%
Live - 5344 symbols - heartbeat 501s ago
· 2026-10-08 07:00
Pre-market
7.15
-0.13%
After-hours
7.15
-0.14%
- Market cap
- 2.43B
- P/E (TTM)i
- 51.14
- P/Bi
- 3.71
- EPSi
- 0.19
- Div yieldi
- 0.00%
- 52W posi
- 99%
Reader sentiment
Are you bullish or bearish on PAYO?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Weak
- Altman Z-Score is 0.29, below the 1.8 "distress zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +7.68% YoY
Margins
- Operating margin
- -13.02%
- Net margin
- 8.91%
Key ratios & quality
- Altman Z-Scorei
- 0.29
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 260.14M | 317.75M | 345.59M | 473.40M | 627.62M | 831.10M | 977.72M | 1.05B |
| Gross profit | -- | -- | -- | -- | -- | -- | -- | -- |
| Selling & admin expenses | 74.55M | 92.04M | 114.48M | 178.73M | 254.57M | 297.58M | 325.10M | 376.56M |
| Research & development | 29.38M | 34.77M | 52.30M | 80.76M | 115.04M | 119.20M | 134.63M | 155.42M |
| Operating profit | -1.93M | 3.64M | -17.30M | -30.21M | -77.51M | -127.03M | -107.82M | -106.95M |
| Pretax profit | -4.10M | 4.17M | -15.28M | -25.24M | 1.62M | 132.54M | 139.47M | 115.59M |
| Tax | 3.09M | 4.71M | 8.32M | 8.71M | 13.59M | 39.20M | 18.31M | 42.40M |
| Net profit | -7.19M | -625.00K | -23.75M | -33.99M | -11.97M | 93.33M | 121.16M | 73.19M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | -0.02 | -0.04 | -0.11 | -0.33 | -0.03 | 0.24 | 0.31 | 0.19 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 246.62M | 260.61M | 270.85M | 274.69M | 261.60M | 274.26M |
| Gross profit | -- | -- | -- | -- | -- | -- |
| Selling & admin expenses | 84.63M | 94.33M | 95.63M | 101.97M | 94.12M | 110.19M |
| Research & development | 37.27M | 37.39M | 39.86M | 40.90M | 43.33M | 46.97M |
| Operating profit | -28.65M | -28.26M | -23.18M | -26.85M | -21.52M | -35.17M |
| Pretax profit | 27.77M | 29.85M | 30.51M | 27.46M | 29.21M | 6.31M |
| Tax | 7.19M | 10.37M | 16.39M | 8.45M | 9.64M | 8.75M |
| Net profit | 20.58M | 19.48M | 14.12M | 19.01M | 19.57M | -2.44M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.05 | 0.05 | 0.04 | 0.05 | 0.06 | -0.01 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | -- | 1.90B | 3.57B | 4.96B | 6.47B | 7.11B | 7.10B | 8.11B |
| Cash & ST investments | -- | 114.90M | 102.99M | 465.93M | 543.30M | 617.02M | 497.47M | 415.54M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | -- | 1.96B | 3.67B | 5.08B | 6.59B | 7.28B | 7.93B | 8.96B |
| Total current liabilities | -- | 1.74B | 3.44B | 4.50B | 5.98B | 6.54B | 7.13B | 8.08B |
| Short-term debt | -- | -- | 13.50M | 9.29M | 8.36M | 7.17M | 5.74M | 7.25M |
| Long-term debt | -- | 60.00M | 26.53M | 13.67M | 16.14M | 18.41M | -- | -- |
| Total liabilities | -- | 1,966,073,000.00 | 3,645,385,000.00 | 4,591,679,000.00 | 6,049,395,000.00 | 6,618,846,000.00 | 7,205,590,000.00 | 8,252,162,000.00 |
| Total equity | -- | -5.36M | 24.30M | 487.07M | 545.26M | 664.27M | 724.79M | 704.43M |
| Retained earnings | -- | -36.32M | -60.07M | -94.05M | -108.53M | -15.20M | 105.97M | 179.16M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 6.71B | 7.21B | 7.40B | 8.11B | 7.72B | 7.96B |
| Cash & ST investments | 524.15M | 497.14M | 479.45M | 415.54M | 339.37M | 346.32M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 7.55B | 8.11B | 8.21B | 8.96B | 8.60B | 8.76B |
| Total current liabilities | 6.73B | 7.21B | 7.31B | 8.08B | 7.76B | 7.94B |
| Short-term debt | 7.21M | 6.57M | 6.56M | 7.25M | 6.87M | 10.36M |
| Long-term debt | -- | -- | -- | -- | -- | -- |
| Total liabilities | 6,799,431,000.00 | 7,339,523,000.00 | 7,454,969,000.00 | 8,252,162,000.00 | 7,938,931,000.00 | 8,111,416,000.00 |
| Total equity | 750.73M | 770.91M | 750.49M | 704.43M | 659.08M | 653.53M |
| Retained earnings | 126.54M | 146.02M | 160.15M | 179.16M | 198.73M | 196.29M |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -5.99M | -14.31M | 9.53M | 20.02M | 83.96M | 159.49M | 176.93M | 233.49M |
| Depreciation & amortization | 7.87M | 10.34M | 17.10M | 18.00M | 20.24M | 27.49M | 45.45M | 63.73M |
| Free cash flow | -16.85M | -31.60M | -4.51M | -884.00K | 55.13M | 111.70M | 116.53M | 145.76M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -- | -- | -- | 19.00M | 0 | -55.44M | -137.51M | -173.60M |
| Ending cash balance | 1.48B | 1.80B | 3.41B | 4.84B | 6.39B | 7.02B | 5.66B | 6.42B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 53.72M | 70.69M | 54.18M | 54.91M | 51.83M | 61.18M |
| Depreciation & amortization | 14.39M | 15.55M | 16.14M | 17.64M | 18.92M | 21.22M |
| Free cash flow | 32.92M | 54.18M | 35.30M | 23.35M | 23.06M | 34.09M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -17.75M | -32.00M | -45.27M | -78.57M | -74.99M | -17.68M |
| Ending cash balance | 5.26B | 5.66B | 5.71B | 6.42B | 6.02B | 6.32B |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | -- | -- | -250.80 | -26.45 | -2.32 | 15.43 | 17.45 | 10.24 |
| ROA %i | -- | -0.61 | -0.84 | -1.55 | -0.21 | 1.35 | 1.59 | 0.87 |
| ROIC %i | -- | -- | -35.85 | -23.55 | -2.22 | 14.61 | -14.36 | -8.89 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- | -78.14 | 2.87 |
| EBIT margin %i | -0.74 | 1.15 | -5.00 | -6.38 | -3.54 | 12.47 | -14.96 | 15.18 |
| FCF / sales %i | -- | -- | -- | -- | 8.78 | 13.44 | 16.17 | 17.75 |
| Current ratioi | -- | 1.09 | 1.04 | 1.10 | 1.08 | 1.09 | 1.00 | 1.00 |
| Quick ratioi | -- | 0.11 | 0.05 | 0.12 | 0.10 | 0.10 | 0.08 | 0.06 |
| Debt / assetsi | -- | 3.06 | 1.09 | 0.45 | 0.47 | 0.60 | 0.27 | 0.81 |
| LT debt / equityi | -- | -- | 109.16 | 2.81 | 4.15 | 5.46 | 2.16 | 9.24 |
| Interest coveragei | -- | -- | -- | -- | -- | -- | -- | 13.73 |
| Revenue CAGR (3Y) %i | -- | -- | -- | 22.09 | 21.67 | 20.22 | 15.05 | 12.79 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- | -- | 38.28 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 15.97 | 13.86 | 9.79 | 10.24 | 10.24 | 7.06 |
| ROA %i | 1.57 | 1.33 | 0.95 | 0.87 | 0.89 | 0.60 |
| ROIC %i | -15.73 | -16.67 | -9.61 | -8.89 | -8.14 | -8.98 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | -14.68 | -0.26 | 8.01 | 15.18 | 14.88 | 13.01 |
| FCF / sales %i | 16.83 | 19.72 | 18.92 | 17.75 | 16.13 | 13.43 |
| Current ratioi | 1.00 | 1.00 | 1.01 | 1.00 | 1.00 | 1.00 |
| Quick ratioi | 0.09 | 0.08 | 0.08 | 0.06 | 0.05 | 0.05 |
| Debt / assetsi | 0.29 | 0.57 | 0.66 | 0.81 | 0.93 | 0.98 |
| LT debt / equityi | 1.96 | 5.10 | 6.38 | 9.24 | 11.10 | 11.60 |
| Interest coveragei | -- | -- | -- | 13.73 | 15.03 | 5.99 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Single segment100.00%
Quote time 2026-10-08 07:00:00 · For reference only, not investment advice and not tailored to your situation.