Payoneer Global Inc (PAYO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Payoneer Global Inc stock (PAYO) is currently trading at $4.89. Payoneer Global Inc PE ratio is 25.74. Payoneer Global Inc PS ratio (Price-to-Sales) is 1.66. Analyst consensus price target for PAYO is $7.71. WallStSmart rates PAYO as Hold.
- PAYO PE ratio analysis and historical PE chart
- PAYO PS ratio (Price-to-Sales) history and trend
- PAYO intrinsic value — DCF, Graham Number, EPV models
- PAYO stock price prediction 2025 2026 2027 2028 2029 2030
- PAYO fair value vs current price
- PAYO insider transactions and insider buying
- Is PAYO undervalued or overvalued?
- Payoneer Global Inc financial analysis — revenue, earnings, cash flow
- PAYO Piotroski F-Score and Altman Z-Score
- PAYO analyst price target and Smart Rating
Payoneer Global Inc
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PAYO Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Payoneer Global Inc (PAYO)
PAYO trades at a significant discount to its Graham intrinsic value of $8.89, offering a 34% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Payoneer Global Inc (PAYO) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, revenue growth, eps growth. Concerns around operating margin. Fundamentals are solid but monitor weak areas for improvement.
Payoneer Global Inc (PAYO) Key Strengths (4)
Revenue surging 47.00% year-over-year
Earnings per share surging 1100.00% year-over-year
97.81% of shares held by major funds and institutions
Paying $1.66 for every $1 of annual revenue
Supporting Valuation Data
Payoneer Global Inc (PAYO) Areas to Watch (5)
Losing money on operations
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Fairly priced relative to book value
Supporting Valuation Data
Payoneer Global Inc (PAYO) Detailed Analysis Report
Overall Assessment
This company scores 58/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.5/10) while 5 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Revenue Growth, EPS Growth, Institutional Own.. Valuation metrics including Price/Sales (1.66) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 47.00%, EPS Growth at 1100.00%.
The Bear Case
The primary concerns are Operating Margin, Profit Margin, Market Cap. Some valuation metrics including Price/Book (2.19) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 10.20%, Operating Margin at -3.01%, Profit Margin at 6.95%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 47.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Revenue Growth, EPS Growth) and negatives (Operating Margin, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PAYO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PAYO's Price-to-Sales ratio of 1.66x trades at a deep discount to its historical average of 3.45x (11th percentile). The current valuation is 84% below its historical high of 10.42x set in Aug 2021, and 12% above its historical low of 1.48x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~2.6x as trailing revenue scaled faster than the stock price.
Compare PAYO with Competitors
Top SOFTWARE - INFRASTRUCTURE stocks by market cap
Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for Payoneer Global Inc (PAYO) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
Payoneer Global Inc is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 1.1B with 47% growth year-over-year. Profit margins are thin at 7.0%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Revenue growing at 47% YoY, reaching 1.1B. This pace significantly outperforms most SOFTWARE - INFRASTRUCTURE peers.
Generating 40M in free cash flow and 55M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Payoneer Global Inc push profit margins above 15% as the business scales?
Growth sustainability: can Payoneer Global Inc maintain 47%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact Payoneer Global Inc.
Bottom Line
Payoneer Global Inc is a high-conviction growth story with revenue accelerating at 47% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin 7.0% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(21 last 3 months)
| Insider | Type | Shares |
|---|---|---|
ORDONEZ, BEATRICE Chief Financial Officer | Sell | -62,340 |
Data sourced from SEC Form 4 filings
Last updated: 1:30:24 PM
About Payoneer Global Inc(PAYO)
NASDAQ
TECHNOLOGY
SOFTWARE - INFRASTRUCTURE
USA
Payoneer Inc. operates a cross-border commerce and payment platform that makes it easy for digital businesses, online sellers and freelancers around the world to receive and manage their international payments. The company is headquartered in New York, New York with additional offices in the United States and internationally.