Payoneer Global Inc. (NASDAQ:PAYO)
Insiders here have filed 11 Form 4s in the last 90 days, but all of them are share awards, grants or other non-market transactions. Those are compensation, not a decision to buy, so they are not scored.
Profitable, but on a thin margin.
- Revenue
- $1.08B
- Net income
- $50.3M
- Net margin
- 4.6%
Little or no net debt.
- Total debt
- $86.2M
- Cash
- $346.3M
- Net debt / EBITDA
- -1.40x
Covers near-term obligations, without much room.
- Current assets
- $7.96B
- Current liabilities
- $7.94B
- Current ratio
- 1.00
The business funds itself from operations.
- Operating cash flow
- $222.1M
- Free cash flow
- $162.7M
- FCF margin
- 15.0%
Not funding itself by issuing shares.
- Shares outstanding
- 337.5M
- Share growth (1y)
- -8.5%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
PAYO Income Statement
| Fiscal Period | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 |
| Revenue | 274.26 M | 261.60 M | 274.69 M | 270.85 M | 260.61 M | 246.62 M |
| Revenue Growth (YoY) | 5.24 % | 6.07 % | 4.95 % | 9.09 % | 8.81 % | 8.08 % |
| Cost of Revenue | 78.94 M | 54.12 M | 62.38 M | 42.48 M | 40.57 M | 39.35 M |
| Gross Profit | 195.32 M | 207.48 M | 212.31 M | 228.37 M | 220.05 M | 207.27 M |
| SG&A Expense | 110.19 M | 94.12 M | 101.97 M | 95.51 M | 94.22 M | 84.63 M |
| R&D Expense | 46.97 M | 43.33 M | 40.90 M | 39.86 M | 37.39 M | 37.27 M |
| Operating Expenses | 178.38 M | 175.47 M | 183.39 M | 192.02 M | 189.97 M | 177.95 M |
| Operating Income | 16.93 M | 32.01 M | 28.92 M | 36.35 M | 30.08 M | 29.32 M |
| Pretax Income | 6.31 M | 29.21 M | 27.46 M | 30.51 M | 29.85 M | 27.77 M |
| Tax Provision | 8.75 M | 9.64 M | 8.45 M | 16.39 M | 10.37 M | 7.19 M |
| Net Income | -2.44 M | 19.57 M | 19.01 M | 14.12 M | 19.48 M | 20.58 M |
| EPS (Basic) | -0.01 | 0.06 | 0.05 | 0.04 | 0.05 | 0.06 |
| EPS (Diluted) | -0.01 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 |
| Shares Outstanding | 337.47 M | 345.34 M | 356.31 M | 368.27 M | 368.77 M | 362.98 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.