# Payoneer Global Inc. (PAYO) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Technology / Software. Price $7.17, market value $2.4 billion.

## Valuation
- **P/E (trailing): 51.2×** (5-yr avg 27.9×, 3-yr avg 27.9×). Payoneer Global Inc. trades at 51.2× trailing earnings, well above its own five-year average of 27.9×: investors are paying up relative to the company's past. The Technology median in the September 2026 study was 32.1×. Forward P/E is 15.6×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 2.7×**. Each dollar of revenue is priced at 2.7×.
- **Price / book: 3.7×**. The shares trade at 3.7× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 10.8×**. Enterprise value is 10.8× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 7.5%** (5-yr avg 5.2%). Free cash flow equals 7.5% of the market value, above its five-year average of 5.2%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 2.0%**. The inverse of the P/E: 2.0% of the price is earned each year.

## Profitability
- **Operating margin: 12.3%**. 12.3% of revenue is left after running the business.
- **Net margin: 9.0%**. 9.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.4%**. 10.4% on shareholders' equity is solid.
- **Return on invested capital: 28.9%**. Return on all capital, debt included, is 28.9%: comfortably above what that capital costs.
- **Return on assets: 0.6%**. Each dollar of assets produces 0.6% of profit.

## Growth
- **Revenue growth (1 yr): 14.5%** (3-yr 13.0%/yr, 5-yr 19.1%/yr). Revenue grew 14.5% over the last year, against 19.1% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -38.7%**. Earnings per share fell 38.7%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 41.2%/yr**. Free cash flow has compounded at 41.2% a year over three years.

## Financial health
- **Debt to equity: 0.03**. Debt is 0.03 times equity: a conservative balance sheet.
- **Net debt / EBITDA: net cash**. Payoneer Global Inc. holds more cash than debt.
- **Current ratio: 1.00** (quick 1.00). Current assets cover the next year's liabilities 1.00 times.
- **Altman Z-score: 0.43**. A Z-score of 0.43 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend: none**. Payoneer Global Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 7.0%** (YTD 27.6%, 3-mo 42.3%). The shares are up 7.0% over twelve months including dividends.
- **From 52-week high: -0.1%** (75.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 65**. An RSI of 65 is neutral.
- **Beta (1 yr): 1.12** (volatility 48%). Beta of 1.12 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PAYO · Page: https://foliofundamentals.com/stocks/payo

Not investment advice.