Payoneer Global Inc.
Payoneer Global Inc. Fundamental Analysis
Payoneer Global Inc. (PAYO) shows moderate financial fundamentals with a PE ratio of 22.18, profit margin of 6.76%, and ROE of 10.01%. The company generates $1.0B in annual revenue with moderate year-over-year growth of 7.68%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 47.5/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze PAYO's fundamental strength across five key dimensions:
Efficiency Score
WeakPAYO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPAYO trades at attractive valuation levels.
Growth Score
ModeratePAYO shows steady but slowing expansion.
Financial Health Score
ModeratePAYO shows balanced financial health with some risks.
Profitability Score
WeakPAYO struggles to sustain strong margins.
Key Financial Metrics
Is PAYO Expensive or Cheap?
P/E Ratio
PAYO trades at 22.18 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, PAYO's PEG of -0.59 indicates potential undervaluation.
Price to Book
The market values Payoneer Global Inc. at 2.43 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.69 times EBITDA. This is generally considered low.
How Well Does PAYO Make Money?
Net Profit Margin
For every $100 in sales, Payoneer Global Inc. keeps $6.76 as profit after all expenses.
Operating Margin
Core operations generate 11.93 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.01 in profit for every $100 of shareholder equity.
ROA
Payoneer Global Inc. generates $0.84 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Payoneer Global Inc. produces operating cash flow of $224.52M, showing steady but balanced cash generation.
Free Cash Flow
Payoneer Global Inc. generates strong free cash flow of $208.79M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.62 in free cash annually.
FCF Yield
PAYO converts 13.92% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
22.18
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.59
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.43
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.45
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.12
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.15
vs 25 benchmark
How PAYO Stacks Against Its Sector Peers
| Metric | PAYO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 22.18 | 36.81 | Better (Cheaper) |
| ROE | 10.01% | 974.00% | Weak |
| Net Margin | 6.76% | 5914823191.00% | Weak |
| Debt/Equity | 0.12 | 0.34 | Strong (Low Leverage) |
| Current Ratio | 1.00 | 4.93 | Weak Liquidity |
| ROA | 0.84% | -294975.00% (disorted) | Weak |
PAYO outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Payoneer Global Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
185.38%
Industry Style: Growth, Innovation, High Beta
High GrowthEPS CAGR
388.75%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
2196.20%
Industry Style: Growth, Innovation, High Beta
High Growth