PAYO
Strong BuySecond WindAI neutralPayoneer Global Inc. · Technology · United States · $2.4B
$7.16 +0.1% · close 7 Oct · scored 9 Oct
Second Wind: Cheap and rising again, but the business does not yet earn the optimism.
As of 9 Oct 2026, MoatMap's StockRank for Payoneer Global Inc. (PAYO) is 83/100: Quality 47, Value 52, Momentum 79, ranked against 24,000+ stocks in 35 markets.
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Payoneer provides cross-border payment and financial services to small businesses, freelancers and marketplace sellers in emerging markets. It earns a meaningful share of revenue from interest on customer balances, which higher rates support, and it has been buying back stock, about 0.95% of shares in the last 90 days. It has also opened a technology hub in India. Profitability is still modest and competition from Wise, Airwallex and marketplace-owned payment services is intense. Shareholder-rights law firms have issued notices questioning whether shareholders are getting a fair deal, which often follows a proposed corporate transaction; the details are not confirmed here.
ABOUT PAYONEER GLOBAL INC.
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Payoneer Global Inc. offers a global payment and commerce platform that facilitates cross-border transactions for businesses, online sellers, and freelancers worldwide. The company provides a comprehensive suite of services, including mass payout solutions, currency management, and working capital, streamlining international commerce. Its extensive proprietary network and focus on the 'new economy' customer segments provide a significant competitive advantage in the digital payments landscape.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 572.3M | 600.5M | 720.9M | 821.2M | 12.8% | 1.1B | 874.8M | 965.1M | 8.4% |
| EPS | -0.03 | 0.26 | 0.34 | 0.20 | -12.3% | 0.14 | 0.18 | 0.28 | 17.9% |
| Shares | 352.8M | 357.6M | 360.1M | 348.7M | -1.2% | 338.9M | — | — | — |
| Debt | 31.0M | 43.4M | 21.4M | 72.3M | 32.6% | 86.2M | — | — | — |
| Equity | 545.3M | 664.3M | 724.8M | 704.4M | 8.9% | — | — | — | — |
| Op CF | 84.0M | 159.5M | 176.9M | 233.5M | 40.6% | 222.1M | — | — | — |
| Inv CF | 5.7M | -44.3M | -2.0B | -218.3M | — | — | — | — | — |
| Fin CF | 1.5B | 512.0M | 427.8M | 738.0M | — | — | — | — | — |
Above its 200-day average and at its 52-week high.
Swung more than 59% of stocks we rank over the past year (47% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of PAYO are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PAYO | Payoneer Global Inc.(you) | $2.4B | 83 | Strong Buy |
| EEFT | Euronet Worldwide, Inc. | $2.4B | 82 | Strong Buy |
| AVP.SI | AvePoint, Inc. | $2.8B | 83 | Strong Buy |
| EVTC | EVERTEC, Inc. | $1.6B | 84 | Strong Buy |
| FLYW | Flywire Corporation | $1.7B | 86 | Strong Buy |
| NTCT | NetScout Systems, Inc. | $2.9B | 90 | Strong Buy |
| FIVN | Five9, Inc. | $2.8B | 92 | Strong Buy |
| PAY | Paymentus Holdings, Inc. | $3.8B | 88 | Strong Buy |
| TDC | Teradata Corporation | $2.7B | 95 | Strong Buy |
| BOX | Box, Inc. | $4.5B | 79 | Buy |
Peer medians: ROE 4.7% · P/E 34.2x · Gross margin 51.5%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.