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PAYO
Payoneer Global Inc.NASDAQFinancialsSoftware - InfrastructureSnapshot 2026-06-12
Watch· this month
$6.750.00%
Close 2026-06-12 · 1-day change
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
The bottom line
Recent financial performance is neutral, and earnings quality is robust, cash backs up reported profits. Risk is elevated, and the sector backdrop is a headwind, which may impact future performance. Peer multiples imply a price about 32% below where it trades (it looks expensive on this basis); the read is fair. Key factors to watch include any potential guidance cuts and the performance of sector bellwethers, as these could significantly influence PAYO's outlook. This read is provisional.
as of 2026-06-12
Quick facts
- Exchange
- NASDAQ
- Sector
- Financials
- Industry
- Software - Infrastructure
- Market cap
- $2.22B
- Employees
- 2,540
- IPO date
- 2021-07-20
- Next earnings
- 2026-08-05
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 6 valuation methods, at three horizons. Current price $6.75. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryfull
$4.97consensus
Range $3.85 – $6.07
vs price: +36% above
Method agreement — · 6 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearinexpensive
$11.57consensus
Range $7.22 – $14.51
vs price: -42% below
Method agreement — · 3 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearinexpensive
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Durable premiummedium confidence
At $6.75 the market pays 22× p/e — above the 13× p/e peer median but in line with its own 20× history. That premium reflects a durable franchise our peer-anchored $5.06 fair value understates; treat the 'expensive vs peers' read with medium confidence. Not investment advice.
Multiple (P/E)
22.4x
peer 12.6x · own history 20.4x
Premium
1.8x peer
1.1x its own history
Growth the price needs
33%
our forecast 12%
Our fair value
$5.06
range $3.86 – $6.11
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
fullfair12-month view
What's priced inStretched
The market is pricing in roughly 33% near-term growth, ahead of our forecast of about 12%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
Only a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
neutralOperating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
38th pctl · Financials
Earnings quality
robustOver the trailing year it converted 3.21x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 54% for the rest of the cohort, n=3541).
88th pctl · Financials
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates.
Management & capital allocation
Not enough signal yet.
Earnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
BullishEPS revised +9.7% / 30d, n=1for period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $0.06 → $0.06 (+9.7% / 30d). 0 raised, 1 cut, 1 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d, 1 maintained. 90% of analysts rate Buy.
Price target activity
1 PT revisions / 30d. Avg target 83.5% above current price.
Sector context
Intermediate · WeeklySector phase: financials is in growth, with decelerating (~3.2 years in phase).
Sector regime (90d momentum): headwind.Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: weak
- Capital allocation
- weak
- Earnings discipline
- weak
- Margin discipline
- neutral
- Balance sheet
- weak
- Post-call reaction
- neutral
A guidance track record builds as the company issues and delivers on guidance.
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$185.
How much price usually moves either way.
On a bad day, this stock has moved -$458.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $4,245.
Deepest peak-to-trough drop in the last year.
elevatedas of 2026-06-12
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- label change · valuation_labelsmall change
Valuation label changed from 'expensive' to 'full'.
As of June 12, 2026, the valuation changed, moving from expensive to full. Risk remained elevated. The sector backdrop was noted as a headwind. The recent financial performance was described as neutral.
as of 2026-06-12
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- DownsideHigh confidenceQuartersactive 14d
Watch for Q2 revenue growth below 10% year over year
Why it matters: Revenue growth is a key priority. A drop below 10% raises concerns about future growth.
What confirms / what disproves
Confirms:Q2 revenue growth reported below 10% year over year.
Disproves:Q2 revenue growth reported at or above 10% year over year.
Sector context
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for PAYO yet.
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
- Watch for changes in FOMC interest rate policy on June 17
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
- If sector bellwethers like XYZ, CPAY, and WEX keep beating earnings and guiding higher, the Financials sector momentum should keep lifting PAYO and other Financials names. Worth watching these names for early signals.
Downside triggers
- If PAYO reverses and cuts guidance after recently raising (RAISED as of 2026-05-07), that's the worst kind of move: a credibility hit on top of the lower number. Stocks usually get punished disproportionately for this.
- If the Fed starts cutting rates from the current 3.62%, that would weigh on PAYO and other Financials names, since the sector usually outperforms when rates stay high.
- If sector bellwethers like XYZ, CPAY, and WEX start missing or guiding lower, the Financials tailwind helping PAYO and other Financials names could fade. Watch these names for early warning.
- If GDP growth slows materially from the current 2.6% (say, below 2%), it hits PAYO and other Financials names harder than the average stock, since the sector is growth-sensitive.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-05-071mo agoItem 2.02
Results of Operations and Financial Condition. On May 7, 2026, Payoneer Global Inc. issued a press release announcing its financial results for the fiscal quarter ended March 31, 2026. A copy of the press release is furnished as Exhibit 99.1 to this report. The information furnished pursuant to this Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the l…
Earnings preannouncement—
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
-5.4 vs last weeklatest as of 2026-06-13
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.