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PAYONEER GLOBAL INC (PAYO) Stock Fundamental Analysis

NASDAQ:PAYO - Nasdaq - US70451X1046 - Common Stock - Currency: USD

9.85  -0.58 (-5.56%)

After market: 9.91 +0.06 (+0.61%)

Fundamental Rating

3

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. PAYO scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PAYO is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year PAYO was profitable.
PAYO had a positive operating cash flow in the past year.
PAYO Yearly Net Income VS EBIT VS OCF VS FCFPAYO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 0 50M 100M 150M

1.2 Ratios

The Return On Assets of PAYO (1.84%) is comparable to the rest of the industry.
With an excellent Return On Equity value of 17.86%, PAYO belongs to the best of the industry, outperforming 80.20% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 14.75%, PAYO belongs to the top of the industry, outperforming 92.08% of the companies in the same industry.
Industry RankSector Rank
ROA 1.84%
ROE 17.86%
ROIC 14.75%
ROA(3y)0.14%
ROA(5y)N/A
ROE(3y)1.62%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
PAYO Yearly ROA, ROE, ROICPAYO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 0 5 -5 10

1.3 Margins

PAYO's Profit Margin of 13.82% is in line compared to the rest of the industry. PAYO outperforms 58.42% of its industry peers.
Looking at the Operating Margin, with a value of 15.66%, PAYO is in line with its industry, outperforming 53.47% of the companies in the same industry.
Industry RankSector Rank
OM 15.66%
PM (TTM) 13.82%
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
PAYO Yearly Profit, Operating, Gross MarginsPAYO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 0 5 -5 10

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAYO is destroying value.
Compared to 1 year ago, PAYO has more shares outstanding
PAYO has a worse debt/assets ratio than last year.
PAYO Yearly Shares OutstandingPAYO Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 100M 200M 300M
PAYO Yearly Total Debt VS Total AssetsPAYO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2B 4B 6B

2.2 Solvency

PAYO has an Altman-Z score of 0.55. This is a bad value and indicates that PAYO is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.55, PAYO perfoms like the industry average, outperforming 49.51% of the companies in the same industry.
PAYO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.1
Altman-Z 0.55
ROIC/WACC0.92
WACC15.98%
PAYO Yearly LT Debt VS Equity VS FCFPAYO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 1.00 indicates that PAYO may have some problems paying its short term obligations.
PAYO has a Current ratio (1.00) which is in line with its industry peers.
PAYO has a Quick Ratio of 1.00. This is a bad value and indicates that PAYO is not financially healthy enough and could expect problems in meeting its short term obligations.
PAYO has a Quick ratio (1.00) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1
Quick Ratio 1
PAYO Yearly Current Assets VS Current LiabilitesPAYO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2B 4B 6B

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4

3. Growth

3.1 Past

PAYO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 150.00%, which is quite impressive.
PAYO shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.98%.
EPS 1Y (TTM)150%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%266.67%
Revenue 1Y (TTM)18.98%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%19.34%

3.2 Future

PAYO is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.17% yearly.
Based on estimates for the next years, PAYO will show a quite strong growth in Revenue. The Revenue will grow by 11.82% on average per year.
EPS Next Y44.03%
EPS Next 2Y18.82%
EPS Next 3Y21.17%
EPS Next 5YN/A
Revenue Next Year15.68%
Revenue Next 2Y11.81%
Revenue Next 3Y11.82%
Revenue Next 5YN/A

3.3 Evolution

PAYO Yearly Revenue VS EstimatesPAYO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
PAYO Yearly EPS VS EstimatesPAYO Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 0 0.2 -0.2 0.4

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 28.14, which means the current valuation is very expensive for PAYO.
PAYO's Price/Earnings ratio is a bit more expensive when compared to the industry. PAYO is more expensive than 61.39% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.63, PAYO is valued at the same level.
A Price/Forward Earnings ratio of 29.07 indicates a quite expensive valuation of PAYO.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PAYO indicates a slightly more expensive valuation: PAYO is more expensive than 72.28% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of PAYO to the average of the S&P500 Index (22.68), we can say PAYO is valued slightly more expensively.
Industry RankSector Rank
PE 28.14
Fwd PE 29.07
PAYO Price Earnings VS Forward Price EarningsPAYO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

PAYO's Enterprise Value to EBITDA is on the same level as the industry average.
PAYO's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 27.65
EV/EBITDA 15.78
PAYO Per share dataPAYO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

4.3 Compensation for Growth

PAYO's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PAYO's earnings are expected to grow with 21.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y18.82%
EPS Next 3Y21.17%

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0

5. Dividend

5.1 Amount

No dividends for PAYO!.
Industry RankSector Rank
Dividend Yield N/A

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PAYONEER GLOBAL INC

NASDAQ:PAYO (2/21/2025, 8:00:02 PM)

After market: 9.91 +0.06 (+0.61%)

9.85

-0.58 (-5.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2024-11-05/bmo
Earnings (Next)02-27 2025-02-27/bmo
Inst Owners92.33%
Inst Owner Change6.04%
Ins Owners4.08%
Ins Owner Change-10.47%
Market Cap3.51B
Analysts82.67
Price Target12.3 (24.87%)
Short Float %3.63%
Short Ratio4.37
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)96.7%
Min EPS beat(2)68.07%
Max EPS beat(2)125.33%
EPS beat(4)4
Avg EPS beat(4)63.92%
Min EPS beat(4)11.77%
Max EPS beat(4)125.33%
EPS beat(8)6
Avg EPS beat(8)52.07%
EPS beat(12)8
Avg EPS beat(12)23.89%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)6.61%
Min Revenue beat(2)5.27%
Max Revenue beat(2)7.95%
Revenue beat(4)3
Avg Revenue beat(4)4.57%
Min Revenue beat(4)-0.68%
Max Revenue beat(4)7.95%
Revenue beat(8)6
Avg Revenue beat(8)3.17%
Revenue beat(12)10
Avg Revenue beat(12)4.96%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)3.83%
PT rev (3m)5.34%
EPS NQ rev (1m)-6.18%
EPS NQ rev (3m)-0.66%
EPS NY rev (1m)-0.69%
EPS NY rev (3m)3.08%
Revenue NQ rev (1m)-0.72%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.1%
Valuation
Industry RankSector Rank
PE 28.14
Fwd PE 29.07
P/S 3.74
P/FCF 27.65
P/OCF 18.56
P/B 4.83
P/tB 6.36
EV/EBITDA 15.78
EPS(TTM)0.35
EY3.55%
EPS(NY)0.34
Fwd EY3.44%
FCF(TTM)0.36
FCFY3.62%
OCF(TTM)0.53
OCFY5.39%
SpS2.64
BVpS2.04
TBVpS1.55
PEG (NY)0.64
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.84%
ROE 17.86%
ROCE 18.67%
ROIC 14.75%
ROICexc 45.72%
ROICexgc 148.34%
OM 15.66%
PM (TTM) 13.82%
GM N/A
FCFM 13.51%
ROA(3y)0.14%
ROA(5y)N/A
ROE(3y)1.62%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score8
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.1
Debt/EBITDA 0
Cap/Depr 146.91%
Cap/Sales 6.62%
Interest Coverage 250
Cash Conversion 99.82%
Profit Quality 97.71%
Current Ratio 1
Quick Ratio 1
Altman-Z 0.55
F-Score8
WACC15.98%
ROIC/WACC0.92
Cap/Depr(3y)142.05%
Cap/Depr(5y)N/A
Cap/Sales(3y)4.92%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)150%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%266.67%
EPS Next Y44.03%
EPS Next 2Y18.82%
EPS Next 3Y21.17%
EPS Next 5YN/A
Revenue 1Y (TTM)18.98%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%19.34%
Revenue Next Year15.68%
Revenue Next 2Y11.81%
Revenue Next 3Y11.82%
Revenue Next 5YN/A
EBIT growth 1Y111.54%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year135.23%
EBIT Next 3Y37.7%
EBIT Next 5YN/A
FCF growth 1Y341.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y253.7%
OCF growth 3YN/A
OCF growth 5YN/A