PAYO

Company Overview — What Does Payoneer Global Inc. Do?

Payoneer Global Inc. operates a payment and commerce-enabling platform that facilitates marketplaces, platforms and online merchants worldwide. It delivers a suite of services that includes cross-border payments, B2B accounts payable/accounts receivable, multi-currency account, physical and virtual Mastercard cards, working capital, merchant, tax, compliance and risk, and others. The company's platform delivers bank-grade security, stability, and redundancy combined with modern digital capabilities that interconnects the world on a single platform. Its cross-border payment solutions support an ecosystem of marketplaces and marketplace sellers to pay their sellers in approximately 190 countries and territories by connecting to Payoneer APIs and for sellers to get paid. The company was founded in 2005 and is based in New York, New York. Payoneer Global Inc. (PAYO) is classified as a small-cap stock in the Industrials sector, specifically within the Business Services industry. The company is led by CEO John Caplan; Scott Howard Galit and employs approximately 2,340 people. With a market capitalization of $1.7B, PAYO is one of the notable companies in the Industrials sector.

Payoneer Global Inc. (PAYO) Stock Rating — Reduce (April 2026)

As of April 2026, Payoneer Global Inc. receives a Reduce rating with a composite score of 41.7/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.PAYO ranks #3,331 out of 4,446 stocks in our coverage universe. Within the Industrials sector, Payoneer Global Inc. ranks #568 of 752 stocks, placing it in the lower half of its Industrials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

PAYO Stock Price and 52-Week Range

Payoneer Global Inc. (PAYO) currently trades at $4.67. The stock gained $0.11 (2.4%) in the most recent trading session. The 52-week high for PAYO is $7.97, which means the stock is currently trading -41.4% from its annual peak. The 52-week low is $4.17, putting the stock 11.9% above its annual trough. Recent trading volume was 3.0M shares, reflecting moderate market activity.

Is PAYO Overvalued or Undervalued? — Valuation Analysis

Payoneer Global Inc. (PAYO) carries a value factor score of 66/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 17.32x, compared to the Industrials sector average of 28.33x — a discount of 39%. The price-to-book ratio stands at 2.35x, versus the sector average of 2.23x. The price-to-sales ratio is 1.62x, compared to 0.50x for the average Industrials stock. On an enterprise value basis, PAYO trades at 12.67x EV/EBITDA, versus 5.70x for the sector.

Overall, PAYO's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Payoneer Global Inc. Profitability — ROE, Margins, and Quality Score

Payoneer Global Inc. (PAYO) earns a quality factor score of 47/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 13.6%, compared to the Industrials sector average of 8.9%, which is within a healthy range. Return on assets (ROA) comes in at 1.1% versus the sector average of 3.3%.

On a margin basis, Payoneer Global Inc. reports gross margins of 100.0%, compared to 35.8% for the sector. The operating margin is 12.8% (sector: 6.2%). Net profit margin stands at 9.4%, versus 3.9% for the average Industrials stock. Revenue growth is running at 13.1% on a trailing basis, compared to 6.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

PAYO Debt, Balance Sheet, and Financial Health

Payoneer Global Inc. has a debt-to-equity ratio of 1171.0%, compared to the Industrials sector average of 70.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.00x, which may signal near-term liquidity tightness. Total debt on the balance sheet is $0. Cash and equivalents stand at $479M.

PAYO has a beta of 1.47, meaning it is more volatile than the broader market — a $10,000 investment in PAYO would be expected to move 47.2% more than the S&P 500 on any given day. The stability factor score for Payoneer Global Inc. is 42/100, reflecting average volatility within the normal range for its sector.

Payoneer Global Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Payoneer Global Inc. reported revenue of $1.03B and earnings per share (EPS) of $0.20. Net income for the quarter was $96M. Gross margin was 100.0%. Operating income came in at $131M.

In FY 2025, Payoneer Global Inc. reported revenue of $1.05B and earnings per share (EPS) of $0.20. Net income for the quarter was $73M. Revenue grew 7.7% year-over-year compared to FY 2024. Operating income came in at $125M.

In Q3 2025, Payoneer Global Inc. reported revenue of $271M and earnings per share (EPS) of $0.04. Net income for the quarter was $14M. Revenue grew 9.1% year-over-year compared to Q3 2024. Operating income came in at $36M.

In Q2 2025, Payoneer Global Inc. reported revenue of $261M and earnings per share (EPS) of $0.05. Net income for the quarter was $19M. Revenue grew 8.8% year-over-year compared to Q2 2024. Operating income came in at $30M.

Over the past 8 quarters, Payoneer Global Inc. has demonstrated a growth trajectory, with revenue expanding from $240M to $1.03B. Investors analyzing PAYO stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

PAYO Dividend Yield and Income Analysis

Payoneer Global Inc. (PAYO) does not currently pay a dividend. This is common among smaller companies in the Business Services industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Industrials dividend stocks may want to explore other Industrials stocks or use the stock screener to filter by dividend yield.

PAYO Momentum and Technical Analysis Profile

Payoneer Global Inc. (PAYO) has a momentum factor score of 24/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 48/100 reflects moderate short selling activity.

PAYO vs Competitors — Industrials Sector Ranking and Peer Comparison

Within the Industrials sector, Payoneer Global Inc. (PAYO) ranks #568 out of 752 stocks based on the Blank Capital composite score. This places PAYO in the lower half of all Industrials stocks in our coverage universe. Key competitors and sector peers include South Bow Corp (SOBO) with a score of 56.5/100, TSAKOS ENERGY NAVIGATION LTD (TEN) with a score of 61.4/100, Great Lakes Dredge & Dock CORP (GLDD) with a score of 56.7/100, Tri Pointe Homes, Inc. (TPH) with a score of 57.3/100, and Clear Channel Outdoor Holdings, Inc. (CCO) with a score of 52.2/100.

Comparing PAYO against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PAYO vs S&P 500 (SPY) comparison to assess how Payoneer Global Inc. stacks up against the broader market across all factor dimensions.

PAYO Next Earnings Date

No upcoming earnings date has been announced for Payoneer Global Inc. (PAYO) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy PAYO? — Investment Thesis Summary

The quantitative profile for Payoneer Global Inc. suggests caution. The value score of 66/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 24/100, a headwind for near-term performance.

In summary, Payoneer Global Inc. (PAYO) earns a Reduce rating with a composite score of 41.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PAYO stock.

Related Resources for PAYO Investors

Explore more research and tools: PAYO vs S&P 500 comparison, top Industrials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare PAYO head-to-head with peers: PAYO vs SOBO, PAYO vs TEN, PAYO vs GLDD.