PAYONEER GLOBAL INC (PAYO)
US70451X1046 - Common Stock
Taking everything into account, PAYO scores 3 out of 10 in our fundamental rating. PAYO was compared to 101 industry peers in the Financial Services industry. The financial health of PAYO is average, but there are quite some concerns on its profitability. PAYO is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
PAYO had positive earnings in the past year.
PAYO had a positive operating cash flow in the past year.
1.2 Ratios
The Return On Assets of PAYO (1.46%) is comparable to the rest of the industry.
PAYO has a Return On Equity of 15.12%. This is in the better half of the industry: PAYO outperforms 70.30% of its industry peers.
PAYO has a Return On Invested Capital of 15.19%. This is amongst the best in the industry. PAYO outperforms 92.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.46% | ||
| ROE | 15.12% | ||
| ROIC | 15.19% |
ROA(3y)0.14%
ROA(5y)N/A
ROE(3y)1.62%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 11.25%, PAYO is in line with its industry, outperforming 54.46% of the companies in the same industry.
PAYO's Operating Margin of 15.58% is in line compared to the rest of the industry. PAYO outperforms 52.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.58% | ||
| PM (TTM) | 11.25% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PAYO is creating some value.
The number of shares outstanding for PAYO has been increased compared to 1 year ago.
The debt/assets ratio for PAYO is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.61, we must say that PAYO is in the distress zone and has some risk of bankruptcy.
PAYO has a Altman-Z score (0.61) which is in line with its industry peers.
PAYO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.13 | ||
| Altman-Z | 0.61 |
ROIC/WACC1.74
WACC8.72%
2.3 Liquidity
A Current Ratio of 1.09 indicates that PAYO should not have too much problems paying its short term obligations.
The Current ratio of PAYO (1.09) is comparable to the rest of the industry.
PAYO has a Quick Ratio of 1.09. This is a normal value and indicates that PAYO is financially healthy and should not expect problems in meeting its short term obligations.
PAYO's Quick ratio of 1.09 is in line compared to the rest of the industry. PAYO outperforms 55.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
PAYO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 800.00%, which is quite impressive.
PAYO shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.43%.
EPS 1Y (TTM)800%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-25%
Revenue 1Y (TTM)21.43%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.86%
3.2 Future
The Earnings Per Share is expected to grow by 11.94% on average over the next years. This is quite good.
The Revenue is expected to grow by 9.40% on average over the next years. This is quite good.
EPS Next Y12.04%
EPS Next 2Y10.58%
EPS Next 3Y11.94%
EPS Next 5YN/A
Revenue Next Year12.22%
Revenue Next 2Y9.83%
Revenue Next 3Y9.4%
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 31.43 indicates a quite expensive valuation of PAYO.
Based on the Price/Earnings ratio, PAYO is valued a bit more expensive than the industry average as 63.37% of the companies are valued more cheaply.
PAYO is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 31.46, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 28.91, the valuation of PAYO can be described as expensive.
Based on the Price/Forward Earnings ratio, PAYO is valued a bit more expensive than the industry average as 72.28% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.63. PAYO is valued slightly more expensive when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.43 | ||
| Fwd PE | 28.91 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as PAYO.
PAYO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 27.49 | ||
| EV/EBITDA | 14.95 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.61
PEG (5Y)N/A
EPS Next 2Y10.58%
EPS Next 3Y11.94%
5. Dividend
5.1 Amount
PAYO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAYONEER GLOBAL INC
NASDAQ:PAYO (10/22/2024, 3:16:09 PM)
8.485
+0.12 (+1.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.24B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 31.43 | ||
| Fwd PE | 28.91 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)2.61
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.46% | ||
| ROE | 15.12% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 15.58% | ||
| PM (TTM) | 11.25% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)800%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y12.04%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)21.43%
Revenue growth 3YN/A
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y