Payoneer Global Inc. (PAYO)
Valor JustoFundamental
65
Precio
$7.14
Capitalización Bursátil
$2.42B
Parte 1 · Cuánto vale la empresa
Resumen
Payoneer Global Inc. operates as a financial technology company. The company offers customers with a multi-currency account to serve their cross-border accounts receivable and accounts payable needs through payment infrastructure platform. It delivers a suite of services, such as funds management, working capital, multicurrency accounts, and workforce management. 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 worldwide. Payoneer Global Inc. was founded in 2005 and is headquartered in New York, New York.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated on 19 de septiembre de 2026 with claude-haiku-4-5 — shared with all users
PayPal is named in Payoneer's own 10-K as a global digital payment platform competing for the same online sellers, freelancers and marketplaces that need to get paid across borders and hold multiple currencies.
Wise offers the same core product to the same customers — multi-currency business accounts, local receiving details and low-cost cross-border transfers for small firms and freelancers — and is listed as a competitor in Payoneer's 10-K.
Airwallex, a private company cited by name in Payoneer's 10-K, sells global collection accounts, FX and payouts to the same internationally active small and mid-sized businesses.
Ant Group, named as a competitor in Payoneer's 10-K, serves Chinese and Asian e-commerce exporters — Payoneer's largest customer base — with cross-border collection and payout accounts through its WorldFirst business.
Stripe, listed among the merchant service providers Payoneer competes with in its 10-K, wins the same merchant and platform payment volume with Stripe Connect payouts to sellers in dozens of countries.
Balance y Liquidez
Ingresos
$855M
Últimos 12 meses (hasta 30/6/2026)
Beneficio Neto
$50M
Últimos 12 meses (hasta 30/6/2026)
Flujo de Caja Libre
$207M
Patrimonio Neto Total
$704M
Pasivo Total
$8.25B
Ratio de Liquidez
1.00
Cobertura de Intereses
-
Deuda/EBITDA
0.08
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuánto pesa la deuda
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$6.65
Precio Actual
$7.14
Margen de Seguridad
-7.4%
Rango de Valor Justo
$4.32 - $8.97
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
51.00
ROE
10.4%
Ratio P/B
3.70
P/FCF
13.34
Margen Bruto
-
ROIC
10.7%
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
10.7%
WACC
9.9%
ROIC − WACC
+0.8 pp
El ROIC está en línea con el coste del capital: la empresa apenas cubre su coste de capital.
Criterios de Análisis Fundamental
Superado (13)
- EPS shows upward trend
- ROIC 10.7%
- P/FCF 13.34
- Operating Margin 13.1%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Debt/EBITDA
- Low reliance on intangibles
- ROE 10.0%
- Earnings Quality (OCF/NI) 4.42
- Share Dilution -1.4%
- Piotroski F-Score 6/9
Fallido (9)
- Price CAGR -5.93%
- P/B Ratio 3.70
- Debt/Equity ratio
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Overvalued)
- Analyst Consensus 0% Buy
- Earnings Surprise avg -33.6%
- Net Margin Trend 5.9% vs 13.0%
No disponible (5)
- Gross Margin NaN%
- Dividend Payout NaN%
- Interest Coverage
- Revenue Growth 5Y (Finnhub)
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-Score
Señales mixtas: algunas áreas requieren atención
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
Recomprando acciones. Favorable para el accionista
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. John R. Caplan | CEO & Director | 55 |
| Ms. Beatrice Ordonez C.A. | Chief Financial Officer | 52 |
| Ms. Tsafi Erlich Goldman | Chief Legal & Governance Officer and Corporate Secretary | 60 |
| Mr. Itai Perry | Senior VP of Finance & Principal Accounting Officer | - |
| Mr. Oren Ryngler | Chief Product & Technology Officer | - |
| Ms. Michelle Wang | Vice President of Investor Relations | - |
| Mr. Micheal Sheehy | Chief Compliance Officer | - |
| Mr. John Davis | Chief People Officer | - |
| Mr. Kevin Ambrosini | Chief Strategy Officer | - |
| Mr. Adam Cohen | Chief Growth Officer | - |
Riesgo de Auditoría
5
Riesgo del Consejo
3
Riesgo de Compensación
3
Riesgo de Derechos del Accionista
3
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-26
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-08-06
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-09-14
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for PAYO, sourced from Markets Gazette.
- 2/26/2026NEUTRALPayoneer (PAYO) Q4 2025 Earnings Call Transcript
The financial community was keenly awaiting the publication of the Payoneer (PAYO) Q4 2025 earnings call transcript. However, detailed information regarding the content of this call has not been made publicly available. This prevents investors from thoroughly analyzing the company's financial performance, future projections, and any operational strategies discussed by management. Earnings conference calls are critical moments for the market, offering transparency and guiding shareholder expectations. The lack of immediate access to this key data leaves market participants awaiting further clarification to assess Payoneer's trajectory and outlook.
- 2/25/2026POSITIVEPayoneer joins rush of fintechs bidding for US bank charters
Payoneer, a prominent digital payments company, is joining the growing cohort of fintech firms vying for a US bank charter. This strategic move, which also sees industry players like Coinbase and Crypto.com (the latter having received conditional approval) in the running, signals an acceleration within the sector towards integrating traditional financial services with innovative digital solutions. For investors, securing a bank charter would represent a significant growth catalyst for Payoneer, enabling the company to broaden its product offerings, enhance its regulatory standing, and attract a wider customer base, thereby bolstering confidence in its business model and its potential for expansion within the US financial market.
via Markets Gazette