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Payoneer Global Inc. PAYO

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Price alert · PAYO

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7.15 USD 0.00 (+0.00%)

Nov 9, 2026, 12:08 PM EST

7.14 Day range 7.17
4.08 52-week range 7.22
YTD
+27.22%
1 year
+33.15%

Financial health

Altman Z-Score

0.40 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 3

Valuation

P/E 28.1×
FY 2018: -457×FY 2019: -6050×FY 2020: -148×FY 2021: -36.7×FY 2022: -159×FY 2023: 20.0×FY 2024: 29.5×FY 2025: 28.1×
FY 2018 5y median 20.0× FY 2025
P/S 1.9×
FY 2018: 12.6×FY 2019: 10.3×FY 2020: 10.1×FY 2021: 5.3×FY 2022: 3.0×FY 2023: 2.3×FY 2024: 3.7×FY 2025: 1.9×
FY 2018 5y median 3.0× FY 2025
P/B 2.9×
FY 2018: 23.7×FY 2019: -611×FY 2020: 143×FY 2021: 5.1×FY 2022: 3.5×FY 2023: 2.8×FY 2024: 5.0×FY 2025: 2.9×
FY 2018 5y median 3.5× FY 2025
P/FCF 9.8×
FY 2018: -194×FY 2019: -104×FY 2020: -773×FY 2021: -2827×FY 2022: 34.5×FY 2023: 16.9×FY 2024: 30.9×FY 2025: 9.8×
FY 2018 5y median 16.9× FY 2025
EV/EBITDA 9.3×
FY 2018: 840×FY 2019: 223×FY 2020: 2050×FY 2021: -292×FY 2022: 43.5×FY 2023: 8.2×FY 2024: 16.9×FY 2025: 9.3×
FY 2018 5y median 9.3× FY 2025
EV/Sales 1.6×
FY 2018: 12.2×FY 2019: 10.1×FY 2020: 9.9×FY 2021: 4.4×FY 2022: 2.2×FY 2023: 1.6×FY 2024: 3.2×FY 2025: 1.6×
FY 2018 5y median 2.2× FY 2025
FCF Yield 10.2%
FY 2018: -0.5%FY 2019: -1.0%FY 2020: -0.1%FY 2021: -0.0%FY 2022: 2.9%FY 2023: 5.9%FY 2024: 3.2%FY 2025: 10.2%
FY 2018 5y median 3.2% FY 2025

Profitability

Gross Margin 78.1%
FY 2018: 68.7%FY 2019: 70.2%FY 2020: 71.9%FY 2021: 78.6%FY 2022: 82.4%FY 2023: 85.3%FY 2024: 84.4%FY 2025: 78.1%
FY 2018 5y median 82.4% FY 2025
Operating Margin 11.8%
FY 2018: -0.7%FY 2019: 1.1%FY 2020: -5.0%FY 2021: -6.4%FY 2022: -3.5%FY 2023: 12.5%FY 2024: 15.2%FY 2025: 11.8%
FY 2018 5y median 11.8% FY 2025
Net Margin 7.0%
FY 2018: -2.8%FY 2019: -0.2%FY 2020: -6.9%FY 2021: -7.2%FY 2022: -1.9%FY 2023: 11.2%FY 2024: 12.4%FY 2025: 7.0%
FY 2018 5y median 7.0% FY 2025
ROE 10.4%
FY 2018: -5.2%FY 2019: 11.7%FY 2020: -97.7%FY 2021: -7.0%FY 2022: -2.2%FY 2023: 14.1%FY 2024: 16.7%FY 2025: 10.4%
FY 2018 5y median 10.4% FY 2025
ROIC 9.0%
FY 2018: -1.1%FY 2019: -0.3%FY 2020: -7.1%FY 2021: -5.1%FY 2022: 26.3%FY 2023: 9.8%FY 2024: 16.1%FY 2025: 9.0%
FY 2018 5y median 9.8% FY 2025
ROA 0.8%
FY 2018: -0.5%FY 2019: -0.0%FY 2020: -0.6%FY 2021: -0.7%FY 2022: -0.2%FY 2023: 1.3%FY 2024: 1.5%FY 2025: 0.8%
FY 2018 5y median 0.8% FY 2025

Growth (YoY)

Revenue 7.7%
FY 2018: 0.0%FY 2019: 22.1%FY 2020: 8.8%FY 2021: 37.0%FY 2022: 32.6%FY 2023: 32.4%FY 2024: 17.6%FY 2025: 7.7%
FY 2018 FY 2025
Operating Income -16.3%
FY 2018: 0.0%FY 2019: 288.9%FY 2020: -575.0%FY 2021: -74.7%FY 2022: 26.5%FY 2023: 566.4%FY 2024: 43.8%FY 2025: -16.3%
FY 2018 FY 2025
EPS (diluted) -38.7%
FY 2018: 0.0%FY 2019: 92.5%FY 2020: -4262.5%FY 2021: -172.2%FY 2022: 81.9%FY 2023: 797.7%FY 2024: 29.2%FY 2025: -38.7%
FY 2018 FY 2025
Free Cash Flow 77.3%
FY 2018: 0.0%FY 2019: -87.5%FY 2020: 85.7%FY 2021: 80.4%FY 2022: 6336.1%FY 2023: 102.6%FY 2024: 4.3%FY 2025: 77.3%
FY 2018 FY 2025

Financial Health

Current Ratio 1.0×
FY 2018: 1.1×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 1.0×
FY 2018 5y median 1.1× FY 2025
Quick Ratio 1.0×
FY 2018: 1.1×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 1.0×
FY 2018 5y median 1.1× FY 2025
Debt / Equity 0.1×
FY 2018: 0.0×FY 2019: -11.2×FY 2020: 1.6×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.1×
FY 2018 5y median 0.1× FY 2025
Net Debt / EBITDA -1.9×
FY 2018: -27.6×FY 2019: -3.8×FY 2020: -37.7×FY 2021: 62.2×FY 2022: -16.0×FY 2023: -3.6×FY 2024: -2.6×FY 2025: -1.9×
FY 2018 5y median -2.6× FY 2025
Interest Coverage 0.0×
FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -137×FY 2022: -2.2×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2018 5y median 0.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2018 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2018 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31