Payoneer Global Inc. (PAYO) Stock Price & Analysis
Payoneer Global Inc. (PAYO) closed at USD 7.12 on Wednesday, October 28, 2026, down 0.14% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 7.13; the Oct 28, 2026 session ranged USD 7.11–7.15 on volume of 1,355,687 shares. Market capitalization is $2.41B, with a 52-week range of USD 4.08–7.19 (NGM). Source: Nexqual, retrieved October 29, 2026 at 11:18 UTC.
Also available as compact Markdown for AI agents: nexqual.com/PAYO.md
Key facts (PAYO)
- Last four reported quarters (through Jun 30, 2026): revenue $1.08B, net income $50.3M (4.6% margin), free cash flow $181M (SEC filings).
- Valuation: P/E 48.0x (avg 27.6x at the last 3 fiscal year-ends).
- Analysts: Hold (mean 2.75 on a 1–5 scale) (8 analysts), mean target USD 7.4 (range 7.4–7.4).
- Total return with dividends: 1Y +21.3% vs S&P 500 +13.6%; 5Y -5.7% vs S&P 500 +79.8%.
- Next earnings: 2026-11-05, EPS estimate USD 0.08, revenue estimate $285M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PAYO)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $473M | $628M | $831M | $978M | $1.05B | $1.08B |
| Operating income | -$30.2M | -$22.2M | $104M | $149M | $125M | $112M |
| Net income | -$34.0M | -$12.0M | $93.3M | $121M | $73.2M | $50.3M |
| EPS (diluted) | -$0.33 | -$0.03 | $0.24 | $0.31 | $0.19 | — |
| Free cash flow | $13.1M | $73.5M | $151M | $169M | $207M | $181M |
| Operating margin | -6.4% | -3.5% | 12.5% | 15.2% | 11.8% | 10.4% |
| Net margin | -7.2% | -1.9% | 11.2% | 12.4% | 7.0% | 4.6% |
| Revenue growth | +37.0% | +32.6% | +32.4% | +17.6% | +7.7% | — |
| Cash + short-term investments | $466M | $543M | $617M | $497M | $416M | — |
| Total debt | $13.7M | $16.1M | $18.4M | — | — | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (PAYO)
P/E 48.0x · P/S 2.2x · P/FCF 13.3x · P/B 3.7x · FCF yield 7.52% · Earnings yield 2.08% · Buyback yield (TTM) 8.97%
P/E at fiscal year-ends: Dec 2025 28.9x, Dec 2024 32.0x, Dec 2023 21.9x.
Analysts (PAYO)
Consensus Hold (mean 2.75 on a 1–5 scale), 8 analysts; mean target USD 7.4 (low 7.4, high 7.4).
Total return (dividends reinvested) (PAYO)
| 1Y (from 2025-10-29) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +21.3% | -5.7% |
| S&P 500 (SPY) | +13.6% | +79.8% |
| Per year | +21.4% | -1.2% |
| Volatility (annualized) | 45.7% | 50.8% |
| Max drawdown | -33.6% (Jan 2026→Feb 2026) | -60.5% (Dec 2024→Feb 2026) |
PAYO earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| Aug 6, 2026 | Quarter ended Jun 30, 2026 | $0.03 | $0.06 | Miss −50.0% | -0.3% |
| May 7, 2026 | Quarter ended Mar 31, 2026 | $0.06 | $0.02 | Beat +$0.04 | +6.2% |
| Feb 26, 2026 | Quarter ended Dec 31, 2025 | $0.09 | $0.07 | Beat +28.6% | -17.6% |
| Nov 5, 2025 | Quarter ended Sep 30, 2025 | $0.06 | $0.07 | Miss −14.3% | -9.0% |
| Aug 6, 2025 | — | — | — | — | +7.5% |
| May 7, 2025 | — | — | — | — | -11.2% |
| Feb 27, 2025 | — | — | — | — | -16.0% |
| Nov 5, 2024 | — | — | — | — | +21.5% |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
PAYO recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Oct 8, 2026 | 8-K | Director or executive officer change, or pay arrangement “(b) On October 2, 2026, Barak Eilam provided Payoneer Global Inc. (the "Company") with notice of his decision to resign as a director of the Board of Directors (the "Board") of the Company. Mr. Eilam's resignation became effective October 5, 2026 (the "Effective Date"). Mr. Eilam also resigned as a member of the Board's Audit Committee and Risk Committee, effective as of the Effective Date. Pursuant to Mr. Eilam's notice, the number of directors which shall constitute the Board was fixed at seven members. (e) On…” |
| Sep 14, 2026 | 8-K | Shareholder vote results |
| Sep 8, 2026 | DEFA14A | Additional proxy material |
| Sep 8, 2026 | 8-K | Other material event “On August 11, 2026, Payoneer Global Inc., a Delaware corporation (the " Company " or " Payoneer "), filed its definitive proxy statement on Schedule 14A (as such may be supplemented from time to time, the " Proxy Statement ") with the Securities and Exchange Commission (the " SEC ") with respect to the special meeting of Payoneer's stockholders (the " Special Meeting ") to be held in connection with the transactions contemplated by that certain Agreement and Plan of Merger (the " Merger Agreement "), dated as of…” |
| Aug 6, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Aug 6, 2026 | DEFA14A | Additional proxy material |
| Aug 6, 2026 | 8-K | Quarterly results |
| Aug 4, 2026 | DEFA14A | Additional proxy material |
| Jul 7, 2026 | DEFA14A | Additional proxy material |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
PAYO revenue by region (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| China | $93.2M | 34.0% | +8.5% |
| Europe Middle East & Africa | $68.3M | 24.9% | +1.3% |
| Asia Pacific | $60.8M | 22.2% | +13.0% |
| North America | $26.2M | 9.6% | +6.3% |
| Latin America | $25.8M | 9.4% | -10.8% |
| United States | $25.3M | 9.2% | +7.7% |
| Total revenue | $274.3M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
PAYO suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Amazon (AMZN) | “For example, the payments our customers received from Amazon marketplaces around the world generated 21% of our revenues during the year ended December 31, 2025, and accordingly, should Amazon change eligibility or other requirements for approved payment service providers operating on its platforms such that we are negatively impacted, our financial condition and results of operations may be materially adversely i…” |
| Customer | Mastercard (MA) | “The Company issues cards directly under its Mastercard license and utilizes a third-party issuing bank for issuance to customers in the United States and for its corporate purchasing card service.” |
| Competitor | Alphabet (Google) (GOOGL) | “We are also facing competitive pressure from non-traditional payment service providers and other parties entering the payments industry, such as Google, Apple, Alibaba, Amazon and Meta, who compete in one or more of the functions performed on our payment platform.” |
| Competitor | Apple (AAPL) | “We are also facing competitive pressure from non-traditional payment service providers and other parties entering the payments industry, such as Google, Apple, Alibaba, Amazon and Meta, who compete in one or more of the functions performed on our payment platform.” |
| Competitor | Alibaba (BABA) | “We are also facing competitive pressure from non-traditional payment service providers and other parties entering the payments industry, such as Google, Apple, Alibaba, Amazon and Meta, who compete in one or more of the functions performed on our payment platform.” |
| Competitor | Meta Platforms (META) | “We are also facing competitive pressure from non-traditional payment service providers and other parties entering the payments industry, such as Google, Apple, Alibaba, Amazon and Meta, who compete in one or more of the functions performed on our payment platform.” |
Quoted from the company's 10-K filed Feb 26, 2026.
PAYO analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.08 | $0.07 | +15.0% | $285.1M | 2 |
| Next quarter (ends Dec 2026) | $0.09 | $0.07 | +18.5% | $302.9M | 2 |
| Current fiscal year (ends Dec 2026) | $0.30 | $0.26 | +15.6% | $1.12B | 3 |
| Next fiscal year (ends Dec 2027) | $0.40 | $0.37 | +6.8% | $1.24B | 3 |
PAYO options: expected move
Options price a move of about ±4.9% (±$0.35) by Nov 20, 2026, which includes earnings on Nov 5, 2026. Over the last 8 reports the stock moved ±11.2% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 22 | 19.8% | ±4.9% |
| Jan 15, 2027 | 78 | 58.0% | ±4.4% |
30-day implied volatility 22.6% vs 4.1% realized over the last 30 trading days. Put/call ratio (volume) 0. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 29, 2026 at 11:18 UTC)
| Price | USD 7.12 |
|---|---|
| Change | ▼ 0.14% (down) |
| Previous Close | USD 7.13 |
| Open | USD 7.14 |
| Day Range | USD 7.11 – 7.15 |
| 52-Week Range | USD 4.08 – 7.19 |
| Volume | 1,355,687 shares |
| Market Cap | $2.41B |
| Exchange | NGM |
Technical Analysis (PAYO)
Nexqual's technical model rates PAYO "NEUTRAL" based on 3 bullish and 3 bearish signals across 127 daily candles, as of October 29, 2026 at 11:18 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 45.34 (neutral) |
| vs SMA50 | Below (USD 7.13) |
| MACD | 0 (positive) |
Analyst Ratings (PAYO)
Wall Street analysts rate PAYO "Hold" based on 8 analysts, with a mean price target of USD 7.4 (range USD 7.4–7.4), per Nexqual as of October 29, 2026 at 11:18 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 8 |
| Mean Target | USD 7.4 |
| High Target | USD 7.4 |
| Low Target | USD 7.4 |
| Buy / Hold / Sell | 1 / 7 / 0 |
Earnings (PAYO)
| Next Earnings Date | 2026-11-05 |
|---|---|
| EPS Estimate | USD 0.08 |
| Revenue Estimate | $285.11M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.03 vs est 0.06 ▼ miss |
| 2026-03-31 | USD 0.06 vs est 0.02 ▲ beat |
| 2025-12-31 | USD 0.09 vs est 0.07 ▲ beat |
| 2025-09-30 | USD 0.06 vs est 0.07 ▼ miss |
Source: Nexqual, October 29, 2026 at 11:18 UTC.
Financials & Fundamentals (PAYO)
| Total Revenue | $1.08B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +5.20% |
| Gross Margin | +85.37% |
| Operating Margin | +6.17% |
| Profit Margin | +4.65% |
| ROE | +7.06% |
| Debt / Equity | 0.13 |
| Current Ratio | 1 |
| Total Cash | $346.32M |
| Total Debt | $86.16M |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $181.41M (16.8% of revenue) |
Source: Nexqual, October 29, 2026 at 11:18 UTC.
Financial Health Score (PAYO)
Nexqual rates Payoneer Global Inc.'s overall financial health "Solid" across five dimensions, as of October 29, 2026 at 11:18 UTC.
| Growth | Solid — Revenue +8% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 85%, operating 10% (last 12 months) |
| Balance Sheet | Strong — $346M cash vs $86M debt, net cash position |
| Cash Flow | Strong — FCF $181M (last 4 quarters to Jun 2026, SEC), 17% margin |
| Efficiency | Weak — ROE not meaningful (equity is 7.5% of assets); ROA 0.6% (last 4 quarters, SEC) |
Ownership (PAYO)
| Insider Ownership | +3.22% |
|---|---|
| Institutional Ownership | +90.55% |
| Shares Outstanding | 338.85M |
| Float | 275.59M |
| Short % of Float | +5.48% |
Source: Nexqual, October 29, 2026 at 11:18 UTC.
Leadership (PAYO)
Payoneer Global Inc. is led by John R. Caplan, CEO & Director, per Nexqual as of October 29, 2026 at 11:18 UTC.
| CEO & Director | John R. Caplan |
|---|---|
| Chief Financial Officer | Beatrice Ordonez C.A. |
| Chief Product & Technology Officer | Oren Ryngler |
| Vice President of Investor Relations | Michelle Wang |
| Chief Strategy Officer | Kevin Ambrosini |
Major Backers & Investors (PAYO)
Notable institutional backers of Payoneer Global Inc. include Technology Crossover Management VIII, Ltd., Susquehanna Capital Management, LLC, BNP Paribas Asset Management Holding S.A., according to Nexqual as of October 29, 2026 at 11:18 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Technology Crossover Management VIII, Ltd. | 10.09% |
| Susquehanna Capital Management, LLC | 6.06% |
| BNP Paribas Asset Management Holding S.A. | 4.05% |
| Pentwater Capital Management Lp | 2.92% |
| Fidelity | 2.42% |
| Magnetar Financial LLC | 2.1% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 11.53% |
| Vanguard Group | 7.92% |
| State Street | 3.2% |
| Dimensional Fund Advisors | 2.58% |
Source: Nexqual, October 29, 2026 at 11:18 UTC.
From Payoneer Global Inc.'s Latest SEC 10-K Filing (filed 2026-02-26)
Key Strengths & Strategy (as disclosed to the SEC)
- We consider our digital payment platform, which provides payment, financial, merchant, working capital solutions and other services to companies, marketplaces, e-commerce sellers, freelancers, and others, to be our proprietary technology.
- Global SMBs use their Payoneer Account to manage their end-to-end AR and AP payment flows.
- The power of the Payoneer platform comes from the following pillars: Payoneer delivers technology-based services to our customers through a proprietary technology infrastructure that includes secure application programming interfaces ("APIs") as well as web and mobile applications.
- Our financial stack uses certain proprietary technology, including that which supports our customer-facing systems, back-office systems and risk management and compliance systems.
Partnerships
- At the same time, businesses serving global customers must deal with complex local requirements in each of the markets in which they do business, often need to manage multiple banking relationships globally and face inefficiency and high transactional cost.
- In 2025 we announced a new partnership with Stripe to enhance and scale our Checkout offering.
Legal & Regulatory Risks (Item 1A, quoted)
- We may provide services to customers in foreign countries where companies often engage in business practices that are prohibited by United States and other regulations applicable to us.
- Our business is subject to complex and evolving regulations and oversight, in relation to privacy and data protection. Failure to comply with applicable data protection laws and regulations could subject us to significant fines and reputational harm and could materially adversely affect our results of operations.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| DLO | DLocal Limited | USD 13.77 | ▼ 1.99% |
| BLSH | Bullish | USD 28.73 | ▼ 0.73% |
| CORZ | Core Scientific, Inc. | USD 15 | ▲ 5.15% |
| RELY | Remitly Global, Inc. | USD 24.27 | ▲ 0.25% |
| TENB | Tenable Holdings, Inc. | USD 48.72 | ▲ 0.14% |
| MBGL | Mobility Global Inc. | USD 18.33 | ▲ 0.71% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 11:18 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt