Payoneer Global Inc. Common Stock (PAYO)

FairStock Score: 40/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for businesses that earn high returns on capital and sell at a sensible price. Payoneer is a cross-border payments infrastructure company with a low-debt balance sheet—D/E of 0.13. Revenue has grown: FY2025, ended 2025-12-31, was $813.4M versus $710.3M in FY2024, up about 14.5%. Yet profits are going the wrong way: FY2025 net income was $73.2M, down from $121.2M in FY2024, and in fiscal Q2 2026, the quarter ended 2026-06-30, the company reported revenue of $220.3M and a net loss of $2.4M, or diluted EPS of -$0.01. The prior-year fiscal Q2 2025 had net income of $19.5M. FairStock's return metrics reflect that weakness: ROE 7.06%, ROCE 0.91%, Piotroski 4/9, Altman Z 0.23. Free cash flow is better than accounting income—TTM FCF $115.8M, a 4.8% FCF yield—but that alone does not make it a Graham bargain. At the 2026-10-13 close of $7.15, FairStock shows a P/E of 51.07, P/B of 3.70, and a Graham Number of $2.47, implying a -189.47% margin of safety. EV/EBITDA of 11.50 is not extreme, and the Lynch category is TURNAROUND, since it returned to profit after a loss within three years. But a 40/100 FairStock score and weakening profitability tell me the market already assumes a recovery. I would want durable earnings power and better returns on capital before calling this a value opportunity.

In plain English: Payoneer helps businesses send and receive money across borders. The company has grown revenue, but profits have fallen and the latest reported quarter had a small loss. At $7.15 a share, the price looks high compared with its profits and book value, so it does not look like an obvious bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer