Payoneer Global Inc. (PAYO) Stock Analysis
Technology · Software - Infrastructure · NasdaqGM
Payoneer Global Inc. (PAYO) posted $1.05B in revenue for fiscal 2025 (up 7.7% year over year), at a 7.0% net margin, and has compounded revenue about 25.0%/yr over five years, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on Payoneer Global Inc.
Payoneer Global Inc. has grown revenue from $317.75M to $1.05B over the last 7 fiscal years, compounding about 25% a year. The most recent year was up 7.7%, so growth has cooled from its longer-run pace.
Net margin sits at 7%, down 5.4 points year over year.
At today's valuation the market is pricing in roughly -0.9% annual free-cash-flow growth — versus the 114.7% it actually delivered over the last five years, so the price is arguably undemanding against what it has already proven.
Synthesised from Payoneer Global Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
Payoneer Global Inc. revenue & earnings — last 7 fiscal years
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $317.75M | $345.59M | $473.40M | $627.62M | $831.10M | $977.72M | $1.05B |
| Gross profit | — | — | — | — | — | — | — |
| Net income | $-625,000 | $-23.75M | $-33.99M | $-11.97M | $93.33M | $121.16M | $73.19M |
| Net margin | -0.2% | -6.9% | -7.2% | -1.9% | 11.2% | 12.4% | 7.0% |
Source: Payoneer Global Inc. SEC filings (10-K).
Payoneer Global Inc.: no obvious red flags in the filings
Our deterministic scan of the filed statements — receivables vs sales, earnings vs cash, dilution, leverage and margins — didn't flag anything. Ask about the risks →
What growth is priced into PAYO stock?
At today's market cap of $2.21B, Payoneer Global Inc. is priced for free-cash-flow growth of about -0.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $206.62M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 114.7%/yr over the last five fiscal years and revenue 25%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 7 years of Payoneer Global Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Payoneer Global Inc. financial history by metric
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About Payoneer Global Inc.
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.
Payoneer Global Inc. — frequently asked questions
What is Payoneer Global Inc.'s revenue?
Payoneer Global Inc. (PAYO) reported revenue of $1.05B for fiscal year 2025, up 7.7% from the prior year, according to its SEC filings.
Is Payoneer Global Inc. profitable?
Yes. PAYO earned net income of $73.19M in fiscal 2025, a net margin of 7.0%.
What is PAYO's P/E ratio?
Payoneer Global Inc. trades at a price-to-earnings ratio of about 33.0 based on the latest data in our nightly-refreshed cache.
How fast is Payoneer Global Inc. growing?
PAYO's revenue grew at roughly 25.0% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Payoneer Global Inc. have?
As of fiscal year 2025, PAYO carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Payoneer Global Inc.'s market cap?
Payoneer Global Inc. (PAYO) has a market capitalization of about $2.21B, based on the latest data in our nightly-refreshed cache.
When does Payoneer Global Inc.'s fiscal year end?
PAYO's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into PAYO stock?
At today's market cap of $2.21B, Payoneer Global Inc. is priced for free-cash-flow growth of about -0.9% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $206.62M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 114.7%/yr over the last five fiscal years and revenue 25%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Payoneer Global Inc.'s official SEC filings (10-K and 10-Q), covering 7 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.