Payoneer Global Inc. (PAYO)
適正価値ファンダメンタル
65
株価
$7.14
時価総額
$2.42B
パート1 · 企業の価値
概要
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 2026年9月19日 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.
貸借対照表と流動性
売上高
$855M
直近12か月（2026/6/30まで）
純利益
$50M
直近12か月（2026/6/30まで）
フリーキャッシュフロー
$207M
自己資本合計
$704M
負債合計
$8.25B
流動比率
1.00
利払い倍率
-
負債/EBITDA
0.08
一株当たり利益（EPS）
売上高と純利益
フリーキャッシュフロー
収益内訳
財務推移表
利益率の推移
負債の推移
負債の重さ
成長率グリッド
成長率 — 売上高
適正価値の推定
適正価値
$6.65
現在株価
$7.14
安全マージン
-7.4%
適正価値レンジ
$4.32 - $8.97
使用した評価手法間のばらつきであり、統計的に較正された信頼区間ではありません。
推定方法
バリュエーション指標
P/E レシオ
51.00
ROE
10.4%
P/B レシオ
3.70
P/FCF
13.34
粗利益率
-
ROIC
10.7%
収益性レーダー
価値創造（経済的モート）
ROIC
10.7%
WACC
9.9%
ROIC − WACC
+0.8 pp
ROICはおおむね資本コストと同水準です。企業はかろうじて資本コストを賄えている状態です。
ファンダメンタル分析基準
合格（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
不合格（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%
データなし（5）
- Gross Margin NaN%
- Dividend Payout NaN%
- Interest Coverage
- Revenue Growth 5Y (Finnhub)
- PEG Ratio (need PE > 0 and growth > 0)
Piotroski F-スコア
まちまちのシグナル：一部の領域に注意が必要
利益の質
高品質：利益はキャッシュに裏付けられている
株式希薄化
株式を買い戻している。株主に友好的
機関投資家の保有
ガバナンス
経営陣
| 氏名 | 役職 | 年齢 |
|---|---|---|
| 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 | - |
監査リスク
5
取締役会リスク
3
報酬リスク
3
株主権利リスク
3
パート2 · 株価と買い時
この部分は企業に価値があるかを判断するものではありません。ファンダメンタルズに納得したうえで、いつ買うかを選ぶためのものです。内容：テクニカル分析、ポテンシャル、過去のドローダウン、ガンマエクスポージャー。
業績推移
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