Payoneer Global Inc (PAYO) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Payoneer Global Inc stock $8.59, price $7.15, upside +20.1%, quality 55 out of 100. Rating: undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $3.45 – $11.05 · fair‑value band $5.62 – $13.28 · the $7.15 price screens below the $8.59 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Payoneer Global Inc. operates as a financial technology company. The company offers customers with a multi-currency account to serve their cross-border accounts receivable and accounts payable needs through payment infrastructure platform.
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It delivers a suite of services, such as funds management, working capital, multicurrency accounts, and workforce management. It also provides various payment options with minimal integration required, full back-office functions, and customer support.
The company serves small and medium-sized businesses worldwide. Payoneer Global Inc. was founded in 2005 and is headquartered in New York, New York.
Stock analysis
Payoneer Global Inc (PAYO) currently trades at $7.15, while our model-based Fair Value estimate is $8.59, implying the stock looks roughly 17% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $11.31 per share, and 6 of the 11 models we run sit above the $7.15 price.
Bear case: the Economic Profit group reads lowest at $2.01, and 5 of the 11 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $5.62 (bear) to $13.28 (bull), the price of $7.15 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Payoneer Global Inc reported revenue of $1.1B in FY2025 versus $473M in FY2021, a compound +22.1%/yr. Reported net income was $73.2M in FY2025.
Key figures
Market cap $2.4B Mid · P/E ratio 51.1 · P/S ratio 2.22 · EPS (TTM) $0.1400 · Net margin 4.7% · Return on equity 7.2% · Return on assets (EBIT) 0.8% (5-year average) · Operating margin 9.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).
What moves the price
The share trades at its 52-week high and 67% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at 20%, PAYO screens cheaper than that median.
Fair Value models
Bear$5.62Fair Value $8.59Bull$13.28
Price $7.15 · Upside +20.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.1201 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, one officer or director sold shares worth $175,250 and none bought.
SaleBeatrice OrdonezChief Financial Officer25,000 shares at $7.01$175,250Jun 15, 202610b5-1 plan
Plus 28 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.0%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.1%
’18
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What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
−0.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.5%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−5% → 12%
News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: The mid-tier fintech payments firm shows solid gross margins in its core business but faces limited scale and low return on assets that point to weak capital efficiency without a durable moat.
Main risk: Low return on assets signals limited capital efficiency that could constrain scaling of the cross-border payments platform and overall growth.
Payoneer is advancing stablecoin capabilities through fresh enterprise research and a national trust bank charter application, even as the Nuvei acquisition looms. Our models see the stock as undervalued. Will these steps in digital assets expand the core cross-border platform faster than the pending deal reshapes the company's standalone direction?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 346 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside+20.1% · Above median
Profitability
Return on equity (12 months)7.2% · Above median
Return on assets0.8% · Below median
Net margin (12 months)4.7% · Below median
Operating margin (12 months)9.1% · Above median
Growth and dividend
Revenue growth (quarter YoY)2.2% · Below median
Balance sheet
Debt / equity0.03× · Below median
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
P/E (12 months)51.1× · Priciest 25%
P/B3.43× · Pricier than median
P/S (12 months)2.22× · Cheaper than median
Price / free cash flow (fiscal year)11.7× · Cheaper than median
EV/EBITDA9.9× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)60· sector 25
FUTURE (revenue growth)11· sector 60
PAST (return on equity)29· sector 23
HEALTH (low debt)–
DIVIDEND (yield)0· sector 31
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Payoneer Global Inc Fair Value". https://www.fairvalue-calculator.com/stock/PAYO
Frequently asked questions
Is Payoneer Global Inc (PAYO) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $8.59 versus a price of $7.15, about +20% upside (undervalued).
What is the fair value of PAYO?
Our model-based fair value for Payoneer Global Inc is $8.59 (as of Nov 8, 2026), built from audited fundamentals. The current price: $7.15.
What is the quality score of PAYO?
Payoneer Global Inc has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Payoneer Global Inc (PAYO)?
Our model-based price target is the fair value of $8.59 (as of Nov 8, 2026) from 11 valuation models. Cautious scenario $5.62, optimistic scenario $13.28. It is a calculation from audited fundamentals, not an analyst target.
What is the Payoneer Global Inc stock forecast for 2026?
Our models put fair value at $8.59, about +20% upside versus a price of $7.15 (undervalued). Cautious scenario $5.62, optimistic scenario $13.28. The calculation is refreshed regularly with new filings.
What is the revenue of Payoneer Global Inc (PAYO)?
Payoneer Global Inc reported trailing-twelve-month revenue of about $1.1B (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Payoneer Global Inc (PAYO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Payoneer Global Inc it is $8.59 per share (as of Nov 8, 2026), against a price of $7.15. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Payoneer Global Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, PAYO trades below its calculated fair value: price $7.15, fair value $8.59, a gap of about +20% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PAYO?
No. The price is what the market pays today ($7.15); the fair value is what the company's own numbers justify ($8.59). For Payoneer Global Inc the two are $1.44 per share apart. That gap is exactly why we show both numbers side by side.
How much is Payoneer Global Inc worth?
The market values Payoneer Global Inc at about $2.4B (market capitalisation, as of Nov 8, 2026). Per share that is $7.15; our models calculate a fair value of $8.59 per share.
What do the bullish and bearish scenarios say about PAYO?
Our models span a range for Payoneer Global Inc: cautious scenario $5.62, base $8.59, optimistic $13.28 per share (as of Nov 8, 2026, price $7.15). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PAYO?
Payoneer Global Inc trades at a price-to-earnings ratio of 51.1 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $8.59 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 21.6 (reported for FY2025: 35.4). Other multiples: P/B 3.4, P/S 2.2, EV/EBITDA 9.9.
How solid is the balance sheet of Payoneer Global Inc (PAYO)?
Balance-sheet figures for Payoneer Global Inc (as of Nov 8, 2026): return on equity 7.2%, debt of 0.03 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is PAYO from its 52-week high?
Payoneer Global Inc trades at $7.15, at its 52-week high of $7.18 and 67% above the low of $4.27 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $8.59 is for.
Which stocks are comparable to Payoneer Global Inc?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Payoneer Global Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $7.15, calculated fair value $8.59 (+20%), Quality Score 55/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PAYO calculated?
We run Payoneer Global Inc through 11 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $8.59 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Payoneer Global Inc currently trades 17% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Payoneer Global Inc (PAYO)?
The closing price on Nov 6, 2026 was $7.15. Our model-based fair value is $8.59, about +20% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Payoneer Global Inc right now?
Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($5.62 to $13.28) leaves room in how you read the outcome.
Key figures of Payoneer Global Inc
How large is the market capitalisation of Payoneer Global Inc (PAYO)?
The market capitalisation of Payoneer Global Inc is $2.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Payoneer Global Inc (PAYO)?
The price-to-sales ratio of Payoneer Global Inc is 2.22 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Payoneer Global Inc (PAYO)?
Earnings per share at Payoneer Global Inc are $0.1400 (price ÷ EPS = P/E 51.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Payoneer Global Inc (PAYO)?
The net margin of Payoneer Global Inc is 4.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Payoneer Global Inc (PAYO)?
The return on equity (ROE) of Payoneer Global Inc is 7.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Payoneer Global Inc (PAYO)?
On an EBIT basis the return on assets of Payoneer Global Inc is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Payoneer Global Inc (PAYO)?
The operating margin of Payoneer Global Inc is 9.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Payoneer Global Inc (PAYO)?
Revenue at Payoneer Global Inc is growing +2.2% versus a year earlier (3y avg +18.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Payoneer Global Inc (PAYO)?
Earnings per share at Payoneer Global Inc are growing +4.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Payoneer Global Inc (PAYO) generate?
The free cash flow of Payoneer Global Inc is $207M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Payoneer Global Inc (PAYO) hold?
Payoneer Global Inc holds more cash than debt, $343M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Nov 8, 2026