Company Analysis

Payoneer Global Inc. (PAYO)

Nasdaq: PAYO · Services-Business Services, NEC · New York, NY · filing with the SEC since 2021
Grade5.9
◀ Past 6.7● Present 5.4▶ Future 5.8

The grade of Payoneer Global Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.9/10
◀ Past6.725% of the headline
● Present5.435% of the headline
▶ Future5.840% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.7/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed
8.0/10

Has it survived what it has been through?

No warning events in its filings since 2021.

weight 22% of this tense · 80th percentile among 105 sector filers · read for itself

From the record

Payoneer Global Inc.'s filings since 2021 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
7.0/10

What has it actually done, year after year?

+22.1% a year over 7 filed years; profitable in 3 of 7.

weight 45% of this tense · 70th percentile among 99 sector filers · read for its customers

From the record

Payoneer Global Inc.'s 7 filed years say what it did: revenue went from $318 million in fiscal 2019 to $1.1 billion in fiscal 2025, up 22.1% a year; it rose in 6 of 6 years; it never fell from a peak; net income was positive in 3 of 7 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span22.1%top 31% of its family
  • the share of years revenue rosetop 18% of its family
  • the share of filed years with a profitbottom 46% of its family
  • the deepest fall from a revenue peak0.0%top 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
5.5/10

How has it treated the people who own it?

Share count grew 2.7% a year. 64% of cash flow returned. Insiders: 1 sales, 0 purchases.

weight 33% of this tense · 55th percentile among 70 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Payoneer Global Inc.'s diluted share count grew about 2.7% a year, and dividends and buybacks returned about 64% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale (1 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-10-19 (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 37% of its family
  • cash returned against operating cash flowtop 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.4/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
5.2/10

Is it financially healthy right now?

ROE 10%: 10¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.

weight 33% of this tense · 52nd percentile among 98 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Payoneer Global Inc. earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count shrank 2.5% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 16% of its family
  • return on equitytop 37% of its family
  • the share count against the year beforetop 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.2/10

How strong is its position in its industry?

top 38% of 101 in its family; net margin 7%.

weight 45% of this tense · 62nd percentile among 101 sector filers · read for its customers

From the record

Payoneer Global Inc.'s standing among 101 graded names in its industry family: revenue of $1.1 billion in fiscal 2025 ranks in the bottom 49% by size; a net margin of 7% ranks in the top 34%; revenue growth of 18.8% a year over the last 3 filed years ranks in the top 30% (its annual reports).

What it rests on

  • revenue against the family$1.05Bbottom 49% of its family
  • net margin7.0%top 34% of its family
  • three-year revenue growth18.8%top 30% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.4/10

What are the people in charge doing?

bottom 44% of 65 in its family for leadership; chief executive since 2022.

weight 22% of this tense · 44th percentile among 65 sector filers · read for its shareholders

From the record

Payoneer Global Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Caplan, John (Chief Executive Officer, as filed), filing under that title since 2022-06-02, 4.4 years (top 50% of its family); the 12 officers and directors filing in the last fifteen months have been on the record a median of 4.5 years (bottom 33%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 12 people in charge now (bottom 48%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge6 in three years among 12 peoplebottom 48% of its family
  • the median years the people in charge have filed4.5 yearsbottom 33% of its family
  • the chief executive's years on the record4.4 yearstop 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.8/1040% of the headline grade · 3 of 3 filed

Room to expand

as filed
7.8/10

How much room does it have to grow?

top 22% of 99 in its family for room to expand.

weight 33% of this tense · 78th percentile among 99 sector filers · read for itself

From the record

Payoneer Global Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $6.4 billion against no long-term debt tagged leaves 71.6% of its assets as net cash, top 1% of its family; cash from operations less capital spending is 19.6% of revenue (top 25%); research spending of 14.8% of revenue (top 40%) (its annual report).

What it rests on

  • cash less debt against assets71.6%top 1% of its family
  • cash from operations less capital spending against revenue19.6%top 25% of its family
  • research spending against revenue14.8%top 40% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.1/10

What could actually drive growth from here?

top 39% of 99 in its family for growth drivers.

weight 45% of this tense · 61st percentile among 99 sector filers · read for its customers

From the record

Payoneer Global Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 18.8% a year over the last three filed years against 22.1% over all 7, slowing (bottom 48% of its family); the newest year grew 7.7% (bottom 49%); research spending grew 10.5% a year (top 36%); capital spending grew 36.8% a year (top 18%) (its annual reports). Payoneer Global Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-3.3 points a yearbottom 48% of its family
  • the newest year's revenue growth7.7%bottom 49% of its family
  • three-year growth of research spending10.5%top 36% of its family
  • three-year growth of capital spending36.8%top 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
2.3/10

Did its newest year beat what its own record pointed to?

bottom 23% of 93 in its family for expectations against reality.

weight 22% of this tense · 23rd percentile among 93 sector filers · read for its shareholders

From the record

Payoneer Global Inc.'s newest year against its own record: revenue of $1.1 billion in fiscal 2025 came in 13.7% below the $1.2 billion its prior three years' pace pointed to (bottom 13% of its family); net income of $73 million against a prior three-year average of $68 million (bottom 24%); a net margin of 7% against 7.2% before (bottom 32%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-13.7%bottom 13% of its family
  • net income against the prior three years' average+8%bottom 24% of its family
  • net margin against its prior average-0.3 pointsbottom 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton PAYO · research, not advice