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Payoneer Global Inc (PAYO)



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Upturn Advisory Summary
06/27/2025: PAYO (3-star) is currently NOT-A-BUY. Pass it for now.
Year Target Price $9.5
Year Target Price $9.5
5 | Strong Buy |
3 | Buy |
1 | Hold |
0 | Under performing |
0 | 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 ![]() | Stock Returns Performance ![]() |
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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 - |
Upturn AI SWOT
Payoneer Global Inc
Company Overview
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.
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 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
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
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
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.
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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