PAYO
Payoneer Global Inc.
Software - Infrastructure
Market Cap$1.68B
5Y Perf.-43.2%
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Stock Comparison
PAYO vs RELY
Revenue, margins, valuation, and 5-year total return — side by side.
RELY
Remitly Global, Inc.
Software - Infrastructure
Market Cap$5.00B
5Y Perf.-35.3%
PAYO vs RELY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PAYO | RELY |
|---|---|---|
| Industry | Software - Infrastructure | Software - Infrastructure |
| Market Cap | $1.68B | $5.00B |
| Revenue (TTM) | $1.05B | $1.73B |
| Net Income (TTM) | $73M | $106M |
| Gross Margin | 82.4% | 43.6% |
| Operating Margin | 11.8% | 6.9% |
| Forward P/E | 19.6x | 45.9x |
| Total Debt | $72M | $220M |
| Cash & Equiv. | $416M | $542M |
PAYO vs RELY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PAYO
RELY
| Stock | Sep 21 | May 26 | Return |
|---|---|---|---|
| Payoneer Global Inc. (PAYO) | 100 | 56.8 | -43.2% |
| Remitly Global, Inc. (RELY) | 100 | 64.7 | -35.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PAYO vs RELY
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RELY leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and capital preservation and lower volatility. Payoneer Global Inc. is the stronger pick specifically for valuation and capital efficiency and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
PAYO
Payoneer Global Inc.
The Long-Run Compounder
PAYO is the clearest fit if your priority is long-term compounding.
- -49.8% 10Y total return vs RELY's -51.0%
- Lower P/E (19.6x vs 45.9x)
- 7.0% margin vs RELY's 6.1%
Best for: long-term compounding
RELY
Remitly Global, Inc.
The Income Pick
RELY carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- beta 1.19
- Rev growth 29.4%, EPS growth 263.2%, 3Y rev CAGR 35.8%
- Lower volatility, beta 1.19, Low D/E 25.4%, current ratio 3.30x
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RELY | 29.4% revenue growth vs PAYO's 7.7% |
| Value | PAYO | Lower P/E (19.6x vs 45.9x) |
| Quality / Margins | PAYO | 7.0% margin vs RELY's 6.1% |
| Stability / Safety | RELY | Beta 1.19 vs PAYO's 1.65 |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | RELY | +11.9% vs PAYO's -31.8% |
| Efficiency (ROA) | RELY | 8.1% ROA vs PAYO's 0.9%, ROIC 14.2% vs 30.7% |
PAYO vs RELY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
PAYO vs RELY — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPAYOLAGGINGRELY
RELYRemitly Global, Inc.
2leads
PAYOPayoneer Global Inc.
3leads
6 Total Categories
CATEGORYLEADERvs RELYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PAYO4/6
Valuation MetricsMultiples, price ratios, and targets
PAYO6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PAYO6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
RELY5/6
Risk & VolatilityBeta, volatility, and downside exposure
RELY2/2
Analyst OutlookRatings, price targets, and dividends
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—
Income & Cash Flow (Last 12 Months)
PAYO leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
RELY is the larger business by revenue, generating $1.7B annually — 1.6x PAYO's $1.1B. Profitability is closely matched — net margins range from 7.0% (PAYO) to 6.1% (RELY). On growth, RELY holds the edge at +25.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PAYOPayoneer Global I… | RELYRemitly Global, I… |
|---|---|---|
| RevenueTrailing 12 months | $1.1B | $1.7B |
| EBITDAEarnings before interest/tax | $190M | $149M |
| Net IncomeAfter-tax profit | $73M | $106M |
| Free Cash FlowCash after capex | $207M | $256M |
| Gross MarginGross profit ÷ Revenue | +82.4% | +43.6% |
| Operating MarginEBIT ÷ Revenue | +11.8% | +6.9% |
| Net MarginNet income ÷ Revenue | +7.0% | +6.1% |
| FCF MarginFCF ÷ Revenue | +19.6% | +14.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +4.9% | +25.2% |
| EPS Growth (YoY)Latest quarter vs prior year | +8.9% | +3.6% |
PAYO leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
PAYO leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 25.6x trailing earnings, PAYO trades at a 67% valuation discount to RELY's 76.5x P/E. On an enterprise value basis, PAYO's 7.0x EV/EBITDA is more attractive than RELY's 43.8x.
| Metric | PAYOPayoneer Global I… | RELYRemitly Global, I… |
|---|---|---|
| Market CapShares × price | $1.7B | $5.0B |
| Enterprise ValueMkt cap + debt − cash | $1.3B | $4.7B |
| Trailing P/EPrice ÷ TTM EPS | 25.58x | 76.55x |
| Forward P/EPrice ÷ next-FY EPS est. | 19.61x | 45.87x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 7.00x | 43.84x |
| Price / SalesMarket cap ÷ Revenue | 1.59x | 3.06x |
| Price / BookPrice ÷ Book value/share | 2.60x | 5.94x |
| Price / FCFMarket cap ÷ FCF | 8.11x | 16.91x |
PAYO leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
PAYO leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
RELY delivers a 12.7% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $10 for PAYO. PAYO carries lower financial leverage with a 0.10x debt-to-equity ratio, signaling a more conservative balance sheet compared to RELY's 0.25x.
| Metric | PAYOPayoneer Global I… | RELYRemitly Global, I… |
|---|---|---|
| ROE (TTM)Return on equity | +9.8% | +12.7% |
| ROA (TTM)Return on assets | +0.9% | +8.1% |
| ROICReturn on invested capital | +30.7% | +14.2% |
| ROCEReturn on capital employed | +14.9% | +9.4% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 0.10x | 0.25x |
| Net DebtTotal debt minus cash | -$343M | -$322M |
| Cash & Equiv.Liquid assets | $416M | $542M |
| Total DebtShort + long-term debt | $72M | $220M |
| Interest CoverageEBIT ÷ Interest expense | 20.06x | 16.25x |
PAYO leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
RELY leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RELY five years ago would be worth $4,898 today (with dividends reinvested), compared to $4,821 for PAYO. Over the past 12 months, RELY leads with a +11.9% total return vs PAYO's -31.8%. The 3-year compound annual growth rate (CAGR) favors RELY at 9.3% vs PAYO's -4.4% — a key indicator of consistent wealth creation.
| Metric | PAYOPayoneer Global I… | RELYRemitly Global, I… |
|---|---|---|
| YTD ReturnYear-to-date | -10.7% | +79.5% |
| 1-Year ReturnPast 12 months | -31.8% | +11.9% |
| 3-Year ReturnCumulative with dividends | -12.6% | +30.5% |
| 5-Year ReturnCumulative with dividends | -51.8% | -51.0% |
| 10-Year ReturnCumulative with dividends | -49.8% | -51.0% |
| CAGR (3Y)Annualised 3-year return | -4.4% | +9.3% |
RELY leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
RELY leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RELY is the less volatile stock with a 1.19 beta — it tends to amplify market swings less than PAYO's 1.65 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. RELY currently trades 96.0% from its 52-week high vs PAYO's 63.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PAYOPayoneer Global I… | RELYRemitly Global, I… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.65x | 1.19x |
| 52-Week HighHighest price in past year | $7.67 | $24.71 |
| 52-Week LowLowest price in past year | $4.08 | $12.08 |
| % of 52W HighCurrent price vs 52-week peak | +63.4% | +96.0% |
| RSI (14)Momentum oscillator 0–100 | 46.9 | 85.6 |
| Avg Volume (50D)Average daily shares traded | 3.4M | 3.3M |
RELY leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates PAYO as "Buy" and RELY as "Buy". Consensus price targets imply 54.3% upside for PAYO (target: $8) vs -11.5% for RELY (target: $21).
| Metric | PAYOPayoneer Global I… | RELYRemitly Global, I… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $7.50 | $21.00 |
| # AnalystsCovering analysts | 10 | 13 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | +10.4% | +1.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
PAYO leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). RELY leads in 2 (Total Returns, Risk & Volatility).
Best OverallPayoneer Global Inc. (PAYO)Leads 3 of 6 categories
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PAYO vs RELY: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PAYO or RELY a better buy right now?
For growth investors, Remitly Global, Inc.
(RELY) is the stronger pick with 29. 4% revenue growth year-over-year, versus 7. 7% for Payoneer Global Inc. (PAYO). Payoneer Global Inc. (PAYO) offers the better valuation at 25. 6x trailing P/E (19. 6x forward), making it the more compelling value choice. Analysts rate Payoneer Global Inc. (PAYO) a "Buy" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PAYO or RELY?
On trailing P/E, Payoneer Global Inc.
(PAYO) is the cheapest at 25. 6x versus Remitly Global, Inc. at 76. 5x. On forward P/E, Payoneer Global Inc. is actually cheaper at 19. 6x.
03Which is the better long-term investment — PAYO or RELY?
Over the past 5 years, Remitly Global, Inc.
(RELY) delivered a total return of -51. 0%, compared to -51. 8% for Payoneer Global Inc. (PAYO). Over 10 years, the gap is even starker: PAYO returned -49. 8% versus RELY's -51. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PAYO or RELY?
By beta (market sensitivity over 5 years), Remitly Global, Inc.
(RELY) is the lower-risk stock at 1. 19β versus Payoneer Global Inc. 's 1. 65β — meaning PAYO is approximately 39% more volatile than RELY relative to the S&P 500. On balance sheet safety, Payoneer Global Inc. (PAYO) carries a lower debt/equity ratio of 10% versus 25% for Remitly Global, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — PAYO or RELY?
By revenue growth (latest reported year), Remitly Global, Inc.
(RELY) is pulling ahead at 29. 4% versus 7. 7% for Payoneer Global Inc. (PAYO). On earnings-per-share growth, the picture is similar: Remitly Global, Inc. grew EPS 263. 2% year-over-year, compared to -38. 7% for Payoneer Global Inc.. Over a 3-year CAGR, RELY leads at 35. 8% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PAYO or RELY?
Payoneer Global Inc.
(PAYO) is the more profitable company, earning 7. 0% net margin versus 4. 2% for Remitly Global, Inc. — meaning it keeps 7. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PAYO leads at 11. 8% versus 5. 0% for RELY. At the gross margin level — before operating expenses — PAYO leads at 78. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PAYO or RELY more undervalued right now?
On forward earnings alone, Payoneer Global Inc.
(PAYO) trades at 19. 6x forward P/E versus 45. 9x for Remitly Global, Inc. — 26. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PAYO: 54. 3% to $7. 50.
08Which pays a better dividend — PAYO or RELY?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
09Is PAYO or RELY better for a retirement portfolio?
For long-horizon retirement investors, Remitly Global, Inc.
(RELY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 19)). Payoneer Global Inc. (PAYO) carries a higher beta of 1. 65 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (RELY: -51. 0%, PAYO: -49. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PAYO and RELY?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: PAYO is a small-cap quality compounder stock; RELY is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(PAYO: 4.9% · RELY: 25.2%)Net Margin>
%
(PAYO: 7.0% · RELY: 6.1%)P/E Ratio<
x
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