Payoneer Global Inc (PAYO) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Payoneer Global Inc $10.28, price $7.14, upside +44.0%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $3.45 – $11.05 · fair‑value band $6.85 – $15.56 · the $7.14 price screens below the $10.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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. 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 $7.14, while our model-based Fair Value estimate is $10.28, implying the stock looks roughly 30.5% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $10.46 per share, and 6 of the 11 models we run sit above the $7.14 price.
Bear case: the Asset-Based group reads lowest at $1.40, and 5 of the 11 models stay below the price. Evidence for this calculation is high.
Scenario range: $6.85 (bear) to $15.56 (bull), the price of $7.14 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 $2.7B · P/E ratio 35.7 · P/S ratio 2.48 · EPS (TTM) $0.2000 · Net margin 7.0% · Return on equity 10.2% · Return on assets (EBIT) 0.8% · Operating margin 11.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (medium confidence).
What moves the price
The share trades about 1% below 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 −19% fair-value upside, at 44%, PAYO screens cheaper than that median.
Fair Value models
Bear $6.85Fair Value $10.28Bull $15.56
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.1463 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.Evidence ⓘEvidence = 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.
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
’19
’20
’21
’22
’23
’24
’25
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.
−12.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−12.3%
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%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−0.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+8.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −3.2% a year for the price and +5.7% for the forecasts.
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 · 377 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score51 · Below median
Fair Value upside+44% · Top 25%
Profitability
Return on equity (TTM)10% · Above median
Return on assets1% · Below median
Net margin (TTM)7% · Above median
Operating margin (TTM)11% · Above median
Growth and dividend
Revenue growth6% · Below median
Balance sheet
Debt / equity0.03× · Below median
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
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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 Sep 24, 2026, our model estimates a fair value of $10.28 versus a price of $7.14, about +44% upside (undervalued).
What is the fair value of PAYO?
Our model-based fair value for Payoneer Global Inc is $10.28 (as of Sep 24, 2026), built from audited fundamentals. The current price: $7.14.
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 $10.28 (as of Sep 24, 2026) from 11 valuation models. Cautious scenario $6.85, optimistic scenario $15.56. 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 $10.28, about +44% upside versus a price of $7.14 (undervalued). Cautious scenario $6.85, optimistic scenario $15.56. 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 Sep 24, 2026).
What growth is priced into Payoneer Global Inc (PAYO)?
For today's price to be fair in a discounted-cash-flow model, Payoneer Global Inc would have to grow free cash flow by -0.9 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +25.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of PAYO use?
Our models discount Payoneer Global Inc at 9.8 %: a base by market capitalisation (mid), damped by beta 1.01, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Payoneer Global Inc that is -0.9 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has Payoneer Global Inc (PAYO) delivered so far?
Over the past 5 years revenue at Payoneer Global Inc grew +25.0 % a year. The price currently implies -0.9 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Payoneer Global Inc (PAYO) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Payoneer Global Inc (-0.9 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Payoneer Global Inc (PAYO)?
The free-cash-flow yield on the price is 7.68 %: that much free cash flow Payoneer Global Inc produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $10.28 per share (as of Sep 24, 2026), against a price of $7.14. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Payoneer Global Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PAYO trades below its calculated fair value: price $7.14, fair value $10.28, a gap of about +44% (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 ($7.14); the fair value is what the company's own numbers justify ($10.28). For Payoneer Global Inc the two are $3.14 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 $2.7B (market capitalisation, as of Sep 24, 2026). Per share that is $7.14; our models calculate a fair value of $10.28 per share.
What do the bullish and bearish scenarios say about PAYO?
Our models span a range for Payoneer Global Inc: cautious scenario $6.85, base $10.28, optimistic $15.56 per share (as of Sep 24, 2026, price $7.14). 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 35.7 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $10.28 is built from several models across several years. Other multiples: P/B 3.8, P/S 2.5, EV/EBITDA 11.3.
How solid is the balance sheet of Payoneer Global Inc (PAYO)?
Balance-sheet figures for Payoneer Global Inc (as of Sep 24, 2026): return on equity 10.2%, 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 $7.14, about 1% below its 52-week high of $7.18 and 67% above the low of $4.27 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $10.28 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 Sep 24, 2026: price $7.14, calculated fair value $10.28 (+44%), 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $10.28, 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 14.1 % above its aggregate fair value. Payoneer Global Inc currently trades 44 % 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 Sep 23, 2026 was $7.14. Our model-based fair value is $10.28, about +44% 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 ($6.85 to $15.56) 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 $2.7B. 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 2.48 (P/E × margin). 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 $0.2000 (price ÷ EPS = P/E 35.7). 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 7.0% (fiscal year 2025). 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 10.2% (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 11.5% (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 +6.1% 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 +13.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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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Broad data
Sep 24, 2026