Payoneer Global (PAYO) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Payoneer Global

NasdaqGM•Technology•Software - Infrastructure

$7.15+0.02(<0.01%)Pre-market

Market Cap

$2.40B

P/E

47.7x

P/S

2.2x

P/B

3.7x

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.

How this company scores

AverageMetricSide Score: 56/100

Strongest: Cash & Earnings Quality (18/25); weakest: Profitability (10/25).

Profitability10/25

Growth13/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality18/25

Strengths

Interest easily coveredCash-backed earningsConsistent free cash flowConsistent growth

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 47.7x5y range 15.4x – 456.2x

Currently above its 14-quarter median.

P/S · 2.2x5y range 1.5x – 3.7x

Currently near its 18-quarter median.

P/B · 3.7x5y range 2.5x – 5.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 14.7% — watch for continued compression, which may signal competitive or cost pressure.

Price & Volume

Market Cap $2.40B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.08B
Q. Revenue: $274.26M
TTM EBITDA: $125.98M
TTM Op. Income: $112.22M
Q. Op. Income: $16.93M
TTM Net Income: $50.27M
Q. Net Income: $-2.44M
EPS: $-0.01
Shares Out.: $337.47M

$1.08B in TTM revenue grew 6.3% YoY, reaching $274.26M last quarter. TTM EBITDA of $125.98M and TTM operating income of $112.22M show growth is flowing through to the bottom line. TTM net income of $50.27M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 7.8%
Op. Margin: 6.2%
Net Margin: -0.9%

Op. margin of 6.2% is down 5.4% YoY — costs are rising relative to revenue. Net margin at -0.9% Over the past year, operating margin is down 47% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 47.7x
P/S Ratio: 2.2x
P/B Ratio: 3.7x

At 47.7x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 2.2x and P/B of 3.7x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 89% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $8.76B
Cash: $346.32M
Long-Term Debt: N/A
Book Value: $653.53M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $61.18M
TTM Free Cash Flow: $181.41M
FCF Margin: 16.8%
FCF / Net Income: 3.6

TTM FCF of $181.41M on $61.18M in operating cash flow. The FCF / Net Income ratio of 3.6x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 3 consecutive quarters — a weakening trend.