Payoneer Global Inc.

Consumer Discretionary
Business Services
www.payoneer.com

Earnings Score
Moat Score

Market Cap $2.56B
PE 21
Debt -
Cash $5.66B
EV -
FCF $168.74M

Earnings

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Sales & Net Margins

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Earnings	$121.16M
EBIT	$149.03M
ROE	17%
ROA	2%
FCF	$168.74M
Equity	$724.79M
Growth Stability	100%
PE	21.09
PEG	1.05
PB	3.53
P/FCF	15.14
P/S	2.61
Price/Cash	2.21
Net Margins	12%
Op. Margins	15%
Earnings CAGR	20%
Sales Growth YoY	17%
Sales Growth QoQ	5%
Sales CAGR	43%
FCF CAGR	133%
Equity CAGR	139%
Earnings Stability	-0.6
Earnings Growth YoY	-33%

Earnings Growth QoQ	-56%
Earnings CAGR 5Y	20%
Sales CAGR 5Y	43%
FCF CAGR 5Y	133%
Equity CAGR 5Y	139%
Earnings CAGR 3Y	27%
Sales CAGR 3Y	27%
FCF CAGR 3Y	114%
Equity CAGR 3Y	14%
Market Cap	$2.56B
Revenue	$977.72M
Assets	$7.93B
Cash	$5.66B
Shares Outstanding	358.35M
Earnings Score	6%
Moat Score	69%
Working Capital	-31.43M
Current Ratio	1
Shares Growth 3y	1%
Equity Growth QoQ	-0%
Equity Growth YoY	9%

Assets & ROA

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Stockholders Equity & ROE

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Payoneer Global Inc is the world's go-to partner for digital commerce, everywhere. The company started as a cross-border payments platform that empowers businesses, online sellers, and freelancers. The platform allows the users to get paid in multiple currencies, bill global clients, and sell on marketplaces worldwide.

SEC Filings

Direct access to Payoneer Global Inc. (PAYO) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Payoneer Global Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Payoneer Global Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 20%

Stability -60%

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Payoneer Global Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Payoneer Global Inc..

Years

Calculation mode

= $3.6T

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$169M	$393M	$914M	$2.1B	$5B	$12B	$27B	$62B	$145B	$338B	$788B	$7.9T
DCF		$357M	$756M	$1.6B	$3.4B	$7.2B	$15B	$32B	$68B	$144B	$304B	$3T
Value	$3.6T

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	-4%	-11%	-14%	-2%	11%	12%	12%
ROA	-	-	-0%	0%	2%	2%	2%
ROE	-	-	-14%	-2%	14%	17%	17%

Good Net Margins (12.39%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	-	1.04	0.22	0.12	-	-
Debt over Equity	-	1.65	0.03	0.03	0.03	-	-
Growth Stability	-	-	-	-	-	100%	100%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Good Graham’s Stability (100%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	9%	37%	33%	32%	18%	43%
Earnings YoY growth	-	211%	81%	-82%	-880%	30%	20%
Equity YoY growth	-	-553%	2K%	12%	22%	9%	139%
FCF YoY growth	-	-119%	189%	460%	106%	12%	133%