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Upturn AI SWOT - About
PAYO 
Payoneer Global Inc (PAYO)
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Upturn Advisory Summary
09/15/2025: PAYO (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $9.81
1 Year Target Price $9.81
| 5 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 43.2% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.34B USD | Price to earnings Ratio 26 | 1Y Target Price 9.81 |
Price to earnings Ratio 26 | 1Y Target Price 9.81 | ||
Volume (30-day avg) 9 | Beta 0.98 | 52 Weeks Range 5.71 - 11.29 | Updated Date 09/15/2025 |
52 Weeks Range 5.71 - 11.29 | Updated Date 09/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.25 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.81% | Operating Margin (TTM) -3.01% |
Management Effectiveness
Return on Assets (TTM) 1.12% | Return on Equity (TTM) 13.86% |
Valuation
Trailing PE 26 | Forward PE - | Enterprise Value 1890789029 | Price to Sales(TTM) 2.3 |
Enterprise Value 1890789029 | Price to Sales(TTM) 2.3 | ||
Enterprise Value to Revenue 2.44 | Enterprise Value to EBITDA 34.31 | Shares Outstanding 360316000 | Shares Floating 276262590 |
Shares Outstanding 360316000 | Shares Floating 276262590 | ||
Percent Insiders 2.54 | Percent Institutions 96.83 |
Upturn AI SWOT
Payoneer Global Inc
Company Overview
History and Background
Payoneer was founded in 2005 with the vision of empowering businesses to grow globally. It started by focusing on facilitating payments for freelancers and has since expanded to serve businesses of all sizes. Payoneer went public through a SPAC merger in 2021.
Core Business Areas
- Cross-Border Payments: Facilitates international payments for businesses, freelancers, and marketplaces.
- Payment Acceptance: Enables businesses to accept payments from customers worldwide, including credit cards, bank transfers, and local payment methods.
- Working Capital: Offers working capital solutions to help businesses manage cash flow and fund growth.
- Risk and Compliance Services: Provides tools and services to help businesses manage risk and comply with regulatory requirements.
Leadership and Structure
John Caplan is the CEO. The company has a typical corporate structure with functional departments like finance, marketing, technology, and sales, all reporting to the executive leadership team and overseen by the board of directors.
Top Products and Market Share
Key Offerings
- Global Payments Platform: Facilitates cross-border payments for businesses and freelancers. Estimated to have a significant share of the freelance payment market, potentially around 25-30%. Competitors include PayPal, Wise (formerly TransferWise), and Remitly.
- competitors: PYPL,WISE,RELY
- Payment Acceptance Solutions: Enables businesses to accept online payments from customers worldwide. Revenue attributed to payment acceptance constitutes approximately 40% of total revenue. Competitors include Stripe, Adyen, and PayPal.
- competitors: STRIPE,ADYEN,PYPL
- Working Capital Solutions: Provides short-term financing options to businesses. Revenue is relatively small compared to payment processing. Competitors include traditional banks and alternative lending platforms.
- competitors: TRADITIONAL BANKS,ALTERNATIVE LENDING PLATFORMS
Market Dynamics
Industry Overview
The global payments industry is experiencing rapid growth, driven by increasing e-commerce activity and the rise of the gig economy. The market is highly competitive, with established players and emerging fintech companies vying for market share.
Positioning
Payoneer is positioned as a leading provider of cross-border payment solutions for businesses and freelancers, focusing on emerging markets and underserved segments. Its competitive advantages include its global reach, multi-currency capabilities, and strong partnerships with marketplaces and platforms.
Total Addressable Market (TAM)
The total addressable market for cross-border payments is estimated to be in the trillions of dollars. Payoneer is well-positioned to capture a significant share of this market due to its focus on high-growth segments and its established relationships with key players in the industry.
Upturn SWOT Analysis
Strengths
- Global network and multi-currency capabilities
- Strong relationships with marketplaces and platforms
- Focus on emerging markets
- Comprehensive suite of payment solutions
- Established brand recognition
Weaknesses
- Reliance on marketplace partnerships
- Exposure to regulatory risks and compliance costs
- Competition from larger, more established players
- Profitability margins
- Slower growth
Opportunities
- Expansion into new markets and geographies
- Development of new products and services
- Increasing adoption of digital payments
- Strategic acquisitions and partnerships
- Growth of the gig economy
Threats
- Increased competition from existing and new players
- Changes in regulatory landscape
- Economic downturns
- Cybersecurity threats
- Fluctuations in currency exchange rates
Competitors and Market Share
Key Competitors
- PYPL
- WISE
- GPN
- SQ
Competitive Landscape
Payoneer's advantages lie in its focus on emerging markets and specific niche markets. Its disadvantages include a smaller scale than some major competitors and a reliance on partnerships.
Major Acquisitions
FTB Acquisition Corp.
- Year: 2021
- Acquisition Price (USD millions): 3300
- Strategic Rationale: Payoneer was acquired by FTB Acquisition Corp. to go public and expand its services into cross-border payments
Growth Trajectory and Initiatives
Historical Growth: Payoneer has experienced strong revenue growth in recent years, driven by the increasing demand for cross-border payment solutions.
Future Projections: Analysts project continued revenue growth for Payoneer, but profitability is expected to improve gradually. Growth will depend on factors like the expansion of the global gig economy and the company's ability to innovate and compete.
Recent Initiatives: Recent initiatives include expanding partnerships with marketplaces, developing new payment solutions, and strengthening risk management capabilities.
Summary
Payoneer shows strong growth in the cross-border payments sector. Its strength comes from established relationships and a solid foothold in emerging markets. However, profitability and increasing competition are significant challenges. Continued innovation and expansion will be critical for Payoneer to sustain long-term success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share estimates are approximate and based on available data.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Payoneer Global Inc
Exchange NASDAQ | Headquaters New York, NY, United States | ||
IPO Launch date 2021-06-28 | CEO & Director Mr. John R. Caplan | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 2407 | Website https://www.payoneer.com |
Full time employees 2407 | Website https://www.payoneer.com | ||
Payoneer Global Inc. operates as a financial technology company. It offers customers with a multi-currency account to serve their accounts receivable and accounts payable needs through a payment infrastructure platform. The company delivers a suite of services, such as funds management, working capital, and multicurrency accounts. 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 in approximately 190 countries and territories worldwide. Payoneer Global Inc. was founded in 2005 and is headquartered in New York, New York.
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