PAYO
NEUTRAL
$5.17
Live
Payoneer Global Inc. · NASDAQ
Target $7.5
(+45.1%)
$4.08
52W Range
$7.67
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 17, 2026
Market cap
$1.84B
P/E
27.21
ROE
10.2%
Profit margin
7.0%
Debt/Equity
0.1
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
75%
PAYO presents a conflict between deterministic value and analyst sentiment, with a Piotroski F-Score of 4/9 indicating stable but mediocre financial health. The stock trades at a significant premium to its Graham Number ($2.94) and Intrinsic Value ($2.75), suggesting the market is pricing in future growth not yet fully realized in the trailing data. While the balance sheet is exceptionally clean with very low debt, the slow YoY revenue growth (4.9%) contrasts with a strong 'Strong Buy' analyst consensus and a target price of $7.50. Recent short-term price momentum is positive, but long-term performance remains deeply bearish.
Key Strengths
Exceptional gross margins of 84.30%
Very low leverage with a Debt/Equity ratio of 0.10
Strong analyst consensus (Strong Buy) with significant upside to target price
Improving earnings trajectory with 80% YoY EPS growth
Positive short-term price momentum (13.4% 1-week gain)
Key Risks
Trading at a ~76% premium to the Graham Number
Stagnant top-line growth (Revenue growth only 4.90% YoY)
Tight liquidity position with a Current Ratio of 1.00
Poor long-term price performance (-49.3% over 5 years)
Historical earnings volatility with significant past misses
AI Fair Value Estimate
Based on comprehensive analysis
$4.1
-20.7% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
36
Weak
30
55
35
60
0
AI Verdict
Speculative Recovery
Key drivers: High Gross Margins, Low Debt, Valuation Gap, Slow Revenue Growth
Confidence
80%
Value
30/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E (15.31) is attractive compared to trailing P/E
Watchpoints
- Current price ($5.17) far exceeds Graham Number ($2.94) and Intrinsic Value ($2.75)
Future
55/100
Ref Growth rates
Positives
- Strong EPS growth (80% YoY)
- Positive Q/Q revenue acceleration (8.84%)
Watchpoints
- Low overall YoY revenue growth (4.9%)
Past
35/100
Ref Historical trends
Positives
- Recent stabilization of quarterly earnings
Watchpoints
- Severe 5-year price decline (-49.3%)
- History of massive earnings misses (e.g., 2021)
Health
60/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Very low Debt/Equity (0.10)
- Stable Piotroski F-Score (4/9)
Watchpoints
- Current ratio at 1.00 suggests minimal liquidity cushion
Dividend
0/100
Ref Yield, Payout
Positives
No standout positives identified.
Watchpoints
- No dividend payments
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$5.17
Analyst Target
$7.5
Upside/Downside
+45.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PAYO and closest competitors.
Updated 2026-04-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PAYO
Payoneer Global Inc.
Primary
|
-49.3% | -8.8% | -19.3% | -9.6% | +9.1% | +13.4% |
|
APPN
Appian Corporation
Peer
|
-85.0% | -37.5% | -11.8% | -16.9% | +9.3% | -3.9% |
|
MQ
Marqeta, Inc.
Peer
|
-86.7% | -7.9% | +3.6% | -14.7% | +2.3% | +1.8% |
|
AI
C3.ai, Inc.
Peer
|
-91.4% | -12.6% | -62.7% | -51.2% | -9.6% | -2.7% |
|
FORTY
Formula Systems (1985) Ltd.
Peer
|
+46.6% | +103.2% | +45.4% | -16.8% | -2.9% | -0.3% |
PAY
Payoneer Global Inc.
Primary
5Y
-49.3%
3Y
-8.8%
1Y
-19.3%
6M
-9.6%
1M
+9.1%
1W
+13.4%
APP
Appian Corporation
Peer
5Y
-85.0%
3Y
-37.5%
1Y
-11.8%
6M
-16.9%
1M
+9.3%
1W
-3.9%
MQ
Marqeta, Inc.
Peer
5Y
-86.7%
3Y
-7.9%
1Y
+3.6%
6M
-14.7%
1M
+2.3%
1W
+1.8%
AI
C3.ai, Inc.
Peer
5Y
-91.4%
3Y
-12.6%
1Y
-62.7%
6M
-51.2%
1M
-9.6%
1W
-2.7%
FOR
Formula Systems (1985) Ltd.
Peer
5Y
+46.6%
3Y
+103.2%
1Y
+45.4%
6M
-16.8%
1M
-2.9%
1W
-0.3%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
27.21
Forward P/E
15.31
PEG Ratio
N/A
P/B Ratio
2.56
P/S Ratio
1.75
EV/Revenue
1.37
EV/EBITDA
7.25
Market Cap
$1.84B
Profitability
Profit margins and return metrics
Profit Margin
6.95%
Operating Margin
12.53%
Gross Margin
84.3%
ROE
10.24%
ROA
1.0%
Growth
Revenue and earnings growth rates
Revenue Growth
+4.9%
Earnings Growth
+5.0%
Q/Q Revenue Growth
+8.84%
Q/Q Earnings Growth
+4.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.1
Low debt
Current Ratio
1.0
Good
Quick Ratio
0.99
Poor
Cash/Share
$1.21
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.2B
Op. Margin
-12.3%
Net Margin
8.7%
Total Assets
$9.0B
Liabilities
$8.3B
Equity
$0.7B
Debt/Equity
11.71x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
43%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-06
$N/A
2026-02-26
$0.09
+37.0% surprise
2025-11-05
$0.06
-8.1% surprise
2025-08-06
$0.09
+40.7% surprise
Technology Sector Comparison
Comparing PAYO against 490 companies in the Technology sector
(40 bullish, 167 neutral, 283 bearish)
P/E Ratio
27.21
This Stock
vs
87.09
Sector Avg
-68.8%
(Discount)
Return on Equity (ROE)
10.24%
This Stock
vs
-34.81%
Sector Avg
-129.4%
(Below Avg)
Profit Margin
6.95%
This Stock
vs
-12.62%
Sector Avg
-155.1%
(Weaker)
Debt to Equity
0.1
This Stock
vs
0.71
Sector Avg
-85.6%
(Less Debt)
Revenue Growth
4.9%
This Stock
vs
5058.57%
Sector Avg
-99.9%
(Slower)
Current Ratio
1.0
This Stock
vs
3.77
Sector Avg
-73.4%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PAYO
Payoneer Global Inc.
|
NEUTRAL | $1.84B | 27.21 | 10.2% | 7.0% | $5.17 | |
|
APPN
Appian Corporation
|
NEUTRAL | $1.89B | 1279.5 | -% | 0.2% | $25.59 | Compare |
|
MQ
Marqeta, Inc.
|
NEUTRAL | $1.79B | - | -1.5% | -2.2% | $4.06 | Compare |
|
AI
C3.ai, Inc.
|
BEARISH | $1.79B | - | -46.8% | -108.1% | $12.69 | Compare |
|
FORTY
Formula Systems (1985) Ltd.
|
BEARISH | $1.91B | 54.11 | 6.9% | 23.1% | $124.45 | Compare |
PAYO
Payoneer Global Inc.
NEUTRAL
Mkt Cap
$1.8B
P/E
27.2
ROE
10.2%
Price
$5.17
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-20 | ORDONEZ BEATRICE | Chief Financial Officer | Stock Award | 850,578 | - |
| 2026-02-20 | GOLDMAN TSAFI | Officer | Stock Award | 425,289 | - |
| 2026-02-20 | CAPLAN JOHN | Chief Executive Officer | Stock Award | 1,270,275 | - |
ORDONEZ BEATRICE
Chief Financial Officer
2026-02-20
850,578 shares
GOLDMAN TSAFI
Officer
2026-02-20
425,289 shares
CAPLAN JOHN
Chief Executive Officer
2026-02-20
1,270,275 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
10-K
10-Q
8-K
10-Q
8-K
8-K/A
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
8 analysts
B of A Securities
2026-03-25
Buy
Benchmark
2026-03-06
Buy
Buy
Keefe, Bruyette & Woods
2026-02-27
Outperform
Outperform
Needham
2026-02-26
Buy
Buy
Benchmark
2025-12-23
Buy
Buy
Goldman Sachs
2025-11-06
Buy
Buy
Past News Coverage
Recent headlines mentioning PAYO from our newsroom.
Newest → oldest
No matching news yet.