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PAYO
Upturn stock ratingUpturn stock rating

Payoneer Global Inc (PAYO)

Upturn stock ratingUpturn stock rating
$6.63
Last Close (24-hour delay)
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PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

06/27/2025: PAYO (3-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

ratingratingratingratingrating

Moderate Performance

These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.

Number of Analysts

rating

9 Analysts rated it

These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.

Year Target Price $9.5

Year Target Price $9.5

Analyst’s Price TargetsFor last 52 week
$9.5Target price
Low$5.03
Current$6.63
high$11.29

Analysis of Past Performance

Type Stock
Historic Profit 43.2%
Avg. Invested days 42
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.40B USD
Price to earnings Ratio 23.68
1Y Target Price 9.5
Price to earnings Ratio 23.68
1Y Target Price 9.5
Volume (30-day avg) -
Beta 0.99
52 Weeks Range 5.03 - 11.29
Updated Date 06/29/2025
52 Weeks Range 5.03 - 11.29
Updated Date 06/29/2025
Dividends yield (FY) -
Basic EPS (TTM) 0.28

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 11.32%
Operating Margin (TTM) -3.01%

Management Effectiveness

Return on Assets (TTM) 1.32%
Return on Equity (TTM) 15.97%

Valuation

Trailing PE 23.68
Forward PE -
Enterprise Value 1895618056
Price to Sales(TTM) 2.41
Enterprise Value 1895618056
Price to Sales(TTM) 2.41
Enterprise Value to Revenue 1.9
Enterprise Value to EBITDA 9.86
Shares Outstanding 361671008
Shares Floating 276858262
Shares Outstanding 361671008
Shares Floating 276858262
Percent Insiders 3.32
Percent Institutions 95.61

Analyst Ratings

Rating 4.44
Target Price 9.5
Buy 3
Strong Buy 5
Buy 3
Strong Buy 5
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Payoneer Global Inc

stock logo

Company Overview

overview logo History and Background

Payoneer was founded in 2005 with the mission to democratize access to financial services for businesses of all sizes around the world. It has evolved from a prepaid debit card provider to a comprehensive payment platform, facilitating cross-border payments, working capital solutions, and risk management.

business area logo Core Business Areas

  • Cross-Border Payments: Facilitates secure and efficient international money transfers for businesses, freelancers, and marketplaces.
  • Working Capital Solutions: Provides access to capital for businesses to manage their cash flow and invest in growth.
  • Risk and Compliance Services: Offers solutions to help businesses manage regulatory compliance and mitigate financial risk.
  • Payment Acceptance: Enables businesses to accept payments from customers globally through various methods.

leadership logo Leadership and Structure

The CEO is John Caplan. The company operates with a functional organizational structure, with departments like Technology, Sales, Marketing, Finance, and Operations, all reporting to the executive team.

Top Products and Market Share

overview logo Key Offerings

  • Global Payments Platform: Facilitates international payments for businesses, freelancers, and marketplaces. Competitors: PayPal, Wise, WorldRemit. Market share is estimated around 2-3% in global online payment processing. Number of active users is approximately 5 million.
  • Payoneer Working Capital: Offers financing solutions to Payoneer customers. Competitors: Clearco, Wayflyer. Revenue from this product is not explicitly broken out, but contributes significantly to overall revenue growth.
  • Payment Acceptance Solutions: Enables businesses to receive payments through various methods globally. Competitors: Stripe, Adyen.

Market Dynamics

industry overview logo Industry Overview

The global payments industry is experiencing rapid growth, driven by e-commerce, globalization, and increasing demand for digital payment solutions. It is highly competitive and subject to regulatory changes.

Positioning

Payoneer is positioned as a specialized provider of cross-border payment solutions for businesses, freelancers, and marketplaces. Its competitive advantages include its global network, multi-currency capabilities, and focus on specific niche markets.

Total Addressable Market (TAM)

The TAM for global cross-border payments is estimated at trillions of dollars annually. Payoneer is positioned to capture a growing share of this market by focusing on its target segments.

Upturn SWOT Analysis

Strengths

  • Strong global network
  • Multi-currency capabilities
  • Focus on specific niche markets
  • Comprehensive payment platform

Weaknesses

  • Relatively small market share compared to major players
  • Dependence on partnerships
  • Vulnerability to regulatory changes
  • Limited brand recognition in some regions

Opportunities

  • Expansion into new markets
  • Development of new products and services
  • Acquisition of complementary businesses
  • Increasing demand for cross-border payment solutions

Threats

  • Intense competition
  • Regulatory changes
  • Economic downturns
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • PYPL
  • SQ
  • GPN
  • FISV

Competitive Landscape

Payoneer competes with established players in the payments industry, as well as emerging fintech companies. It aims to differentiate itself through its focus on specific niche markets and its comprehensive payment platform.

Major Acquisitions

FTBpro

  • Year: 2019
  • Acquisition Price (USD millions): 0
  • Strategic Rationale: Expansion into the sports industry vertical.

Growth Trajectory and Initiatives

Historical Growth: Payoneer has experienced significant growth in recent years, driven by the increasing demand for cross-border payment solutions. Growth rates are reported in their investor relations and filings.

Future Projections: Future growth projections can be found through analyst reports and investor presentations.

Recent Initiatives: Recent initiatives include expanding its product offerings, entering new markets, and partnering with other companies.

Summary

Payoneer provides valuable services in the global payment sector, with strong revenue growth and a focus on niche markets. Its smaller size compared to major competitors represents both a risk and an opportunity for future expansion. The company needs to closely monitor regulatory changes and competitive pressures to maintain its growth trajectory. Overall, Payoneer offers a tailored solution for particular markets, but must remain alert in the face of market competition.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Filings
  • Analyst Reports
  • Industry Publications

Disclaimers:

The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 2407

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.