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Upturn AI SWOT - About
Payoneer Global Inc (PAYO)
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Upturn Advisory Summary
08/14/2025: 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 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.41B USD | Price to earnings Ratio 26.76 | 1Y Target Price 9.81 |
Price to earnings Ratio 26.76 | 1Y Target Price 9.81 | ||
Volume (30-day avg) 9 | Beta 0.98 | 52 Weeks Range 5.71 - 11.29 | Updated Date 08/15/2025 |
52 Weeks Range 5.71 - 11.29 | Updated Date 08/15/2025 | ||
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 2025-08-06 | When - | Estimate 0.07 | Actual 0.05 |
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 26.76 | Forward PE - | Enterprise Value 1959248982 | Price to Sales(TTM) 2.37 |
Enterprise Value 1959248982 | Price to Sales(TTM) 2.37 | ||
Enterprise Value to Revenue 2.53 | Enterprise Value to EBITDA 35.56 | Shares Outstanding 360316000 | Shares Floating 276630204 |
Shares Outstanding 360316000 | Shares Floating 276630204 | ||
Percent Insiders 2.59 | Percent Institutions 95.65 |
Upturn AI SWOT
Payoneer Global Inc
Company Overview
History and Background
Payoneer was founded in 2005 with the vision of empowering businesses to go beyond borders. It has evolved from a payment platform for freelancers to a comprehensive global payment solution for businesses of all sizes.
Core Business Areas
- B2B Payments: Facilitates cross-border payments between businesses, including marketplace payouts and supplier payments.
- Working Capital: Offers financing solutions like working capital loans to support businesses' growth and operational needs.
- Payment Acceptance: Enables businesses to accept payments from customers globally through various methods, including credit cards, bank transfers, and local payment methods.
- Risk and Compliance: Provides services to manage fraud and compliance for global transactions.
Leadership and Structure
Payoneer's leadership team comprises experienced executives in payments, technology, and finance. The organizational structure is designed to support its global operations and customer-centric approach. CEO is John Caplan.
Top Products and Market Share
Key Offerings
- Global Payments Platform: Payoneer's core platform that allows businesses to send and receive payments in multiple currencies. While exact market share is difficult to pinpoint, Payoneer serves millions of customers globally, processing billions in transactions annually. Competitors include Wise, Remitly, OFX, and WorldRemit.
- Checkout: Enables merchants to accept payments through Payoneer directly on their websites. Market share is growing, positioned against similar offerings from PayPal, Stripe, and Adyen.
- Working Capital Solutions: Provides short-term financing to businesses to manage cash flow. Competitors include traditional banks, fintech lenders, and factoring companies.
Market Dynamics
Industry Overview
The global payments industry is experiencing significant growth, driven by increasing e-commerce, cross-border trade, and the rise of digital marketplaces. Fintech innovation and regulatory changes are shaping the competitive landscape.
Positioning
Payoneer is positioned as a leading global payments platform focused on empowering businesses to participate in the global economy. Its competitive advantages include its extensive global network, multi-currency capabilities, and tailored solutions for specific industries.
Total Addressable Market (TAM)
The TAM for cross-border payments is estimated to be in the trillions of dollars. Payoneer is positioned to capture a significant share of this market by focusing on underserved segments, such as SMBs and freelancers.
Upturn SWOT Analysis
Strengths
- Global reach and network
- Multi-currency payment capabilities
- Strong partnerships with marketplaces
- Focus on SMBs and freelancers
- Established brand reputation
Weaknesses
- Dependence on marketplace partnerships
- Exposure to currency exchange rate fluctuations
- Competition from larger payment processors
- Potential for regulatory scrutiny
- Profitability challenges
Opportunities
- Expanding into new geographic markets
- Developing new payment solutions for specific industries
- Acquiring complementary technologies or businesses
- Increasing penetration in existing customer base
- Leveraging data analytics to improve customer experience
Threats
- Increasing competition from established and emerging players
- Changes in regulations and compliance requirements
- Economic downturns and reduced global trade
- Cybersecurity risks and data breaches
- Currency exchange rate volatility
Competitors and Market Share
Key Competitors
- PYPL
- SQ
- WISE
- GPN
- WU
Competitive Landscape
Payoneer faces competition from both established payment processors and emerging fintech companies. Payoneer differentiates itself through its focus on cross-border payments for businesses and its strong relationships with marketplaces.
Major Acquisitions
FTBpro
- Year: 2018
- Acquisition Price (USD millions):
- Strategic Rationale: To provide international wire transfers to football players.
Growth Trajectory and Initiatives
Historical Growth: Payoneer has experienced significant growth in recent years, driven by the increasing adoption of its platform and the expansion of its service offerings.
Future Projections: Future growth projections depend on various factors, including market conditions, competitive landscape, and execution of strategic initiatives. Consult analyst reports for specific estimates.
Recent Initiatives: Recent initiatives include expanding into new markets, launching new products and services, and strengthening partnerships with marketplaces.
Summary
Payoneer is a significant player in the global payment processing market, offering valuable services to businesses and freelancers facilitating international transactions. It has shown solid growth in recent years, and its partnerships are a critical success factor. Payoneer should look out for increased competition and changing regulation which are ongoing issues in the finance space, as well as focusing on increasing profitability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data can change rapidly, and actual results may vary. Conduct thorough research before making any investment decisions.
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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