PAYO
Payoneer Global Inc.
Software - Infrastructure
Market Cap$1.68B
5Y Perf.-49.4%
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Stock Comparison
PAYO vs AMZN
Revenue, margins, valuation, and 5-year total return — side by side.
AMZN
Amazon.com, Inc.
Specialty Retail
Market Cap$2.96T
5Y Perf.+81.1%
PAYO vs AMZN — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PAYO | AMZN |
|---|---|---|
| Industry | Software - Infrastructure | Specialty Retail |
| Market Cap | $1.68B | $2.96T |
| Revenue (TTM) | $1.05B | $742.78B |
| Net Income (TTM) | $73M | $90.80B |
| Gross Margin | 82.4% | 50.6% |
| Operating Margin | 11.8% | 11.5% |
| Forward P/E | 19.6x | 35.3x |
| Total Debt | $72M | $152.99B |
| Cash & Equiv. | $416M | $86.81B |
PAYO vs AMZN — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PAYO
AMZN
| Stock | Oct 20 | May 26 | Return |
|---|---|---|---|
| Payoneer Global Inc. (PAYO) | 100 | 50.6 | -49.4% |
| Amazon.com, Inc. (AMZN) | 100 | 181.1 | +81.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PAYO vs AMZN
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: AMZN leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Payoneer Global Inc. is the stronger pick specifically for valuation and capital efficiency. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
PAYO
Payoneer Global Inc.
The Value Play
PAYO is the clearest fit if your priority is value.
- Lower P/E (19.6x vs 35.3x)
Best for: value
AMZN
Amazon.com, Inc.
The Income Pick
AMZN carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- beta 1.51
- Rev growth 12.4%, EPS growth 29.7%, 3Y rev CAGR 11.7%
- 7.2% 10Y total return vs PAYO's -49.8%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | AMZN | 12.4% revenue growth vs PAYO's 7.7% |
| Value | PAYO | Lower P/E (19.6x vs 35.3x) |
| Quality / Margins | AMZN | 12.2% margin vs PAYO's 7.0% |
| Stability / Safety | AMZN | Beta 1.51 vs PAYO's 1.65 |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | AMZN | +48.6% vs PAYO's -31.8% |
| Efficiency (ROA) | AMZN | 11.5% ROA vs PAYO's 0.9%, ROIC 14.7% vs 30.7% |
PAYO vs AMZN — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
PAYO vs AMZN — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLAMZNLAGGINGPAYO
PAYOPayoneer Global Inc.
1leads
AMZNAmazon.com, Inc.
3leads
6 Total Categories
CATEGORYLEADERvs PAYOMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
PAYO6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
AMZN5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
AMZN6/6
Risk & VolatilityBeta, volatility, and downside exposure
AMZN2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
Evenly matched — PAYO and AMZN each lead in 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
AMZN is the larger business by revenue, generating $742.8B annually — 705.5x PAYO's $1.1B. AMZN is the more profitable business, keeping 12.2% of every revenue dollar as net income compared to PAYO's 7.0%. On growth, AMZN holds the edge at +16.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PAYOPayoneer Global I… | AMZNAmazon.com, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $1.1B | $742.8B |
| EBITDAEarnings before interest/tax | $190M | $155.9B |
| Net IncomeAfter-tax profit | $73M | $90.8B |
| Free Cash FlowCash after capex | $207M | -$2.5B |
| Gross MarginGross profit ÷ Revenue | +82.4% | +50.6% |
| Operating MarginEBIT ÷ Revenue | +11.8% | +11.5% |
| Net MarginNet income ÷ Revenue | +7.0% | +12.2% |
| FCF MarginFCF ÷ Revenue | +19.6% | -0.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +4.9% | +16.6% |
| EPS Growth (YoY)Latest quarter vs prior year | +8.9% | +74.8% |
Evenly matched — PAYO and AMZN each lead in 3 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 33% valuation discount to AMZN's 38.3x P/E. On an enterprise value basis, PAYO's 7.0x EV/EBITDA is more attractive than AMZN's 20.7x.
| Metric | PAYOPayoneer Global I… | AMZNAmazon.com, Inc. |
|---|---|---|
| Market CapShares × price | $1.7B | $2.96T |
| Enterprise ValueMkt cap + debt − cash | $1.3B | $3.02T |
| Trailing P/EPrice ÷ TTM EPS | 25.58x | 38.35x |
| Forward P/EPrice ÷ next-FY EPS est. | 19.61x | 35.26x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.37x |
| EV / EBITDAEnterprise value multiple | 7.00x | 20.74x |
| Price / SalesMarket cap ÷ Revenue | 1.59x | 4.12x |
| Price / BookPrice ÷ Book value/share | 2.60x | 7.24x |
| Price / FCFMarket cap ÷ FCF | 8.11x | 384.26x |
PAYO leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
AMZN leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
AMZN delivers a 23.3% return on equity — every $100 of shareholder capital generates $23 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 AMZN's 0.37x. On the Piotroski fundamental quality scale (0–9), AMZN scores 6/9 vs PAYO's 5/9, reflecting solid financial health.
| Metric | PAYOPayoneer Global I… | AMZNAmazon.com, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +9.8% | +23.3% |
| ROA (TTM)Return on assets | +0.9% | +11.5% |
| ROICReturn on invested capital | +30.7% | +14.7% |
| ROCEReturn on capital employed | +14.9% | +15.3% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 6 |
| Debt / EquityFinancial leverage | 0.10x | 0.37x |
| Net DebtTotal debt minus cash | -$343M | $66.2B |
| Cash & Equiv.Liquid assets | $416M | $86.8B |
| Total DebtShort + long-term debt | $72M | $153.0B |
| Interest CoverageEBIT ÷ Interest expense | 20.06x | 39.96x |
AMZN leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
AMZN leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in AMZN five years ago would be worth $16,632 today (with dividends reinvested), compared to $4,821 for PAYO. Over the past 12 months, AMZN leads with a +48.6% total return vs PAYO's -31.8%. The 3-year compound annual growth rate (CAGR) favors AMZN at 37.5% vs PAYO's -4.4% — a key indicator of consistent wealth creation.
| Metric | PAYOPayoneer Global I… | AMZNAmazon.com, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -10.7% | +21.4% |
| 1-Year ReturnPast 12 months | -31.8% | +48.6% |
| 3-Year ReturnCumulative with dividends | -12.6% | +159.8% |
| 5-Year ReturnCumulative with dividends | -51.8% | +66.3% |
| 10-Year ReturnCumulative with dividends | -49.8% | +715.9% |
| CAGR (3Y)Annualised 3-year return | -4.4% | +37.5% |
AMZN leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
AMZN leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
AMZN is the less volatile stock with a 1.51 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. AMZN currently trades 98.7% 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… | AMZNAmazon.com, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.65x | 1.51x |
| 52-Week HighHighest price in past year | $7.67 | $278.56 |
| 52-Week LowLowest price in past year | $4.08 | $183.85 |
| % of 52W HighCurrent price vs 52-week peak | +63.4% | +98.7% |
| RSI (14)Momentum oscillator 0–100 | 46.9 | 80.5 |
| Avg Volume (50D)Average daily shares traded | 3.4M | 45.6M |
AMZN 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 AMZN as "Buy". Consensus price targets imply 54.3% upside for PAYO (target: $8) vs 11.6% for AMZN (target: $307).
| Metric | PAYOPayoneer Global I… | AMZNAmazon.com, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $7.50 | $306.77 |
| # AnalystsCovering analysts | 10 | 94 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | +10.4% | 0.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
AMZN leads in 3 of 6 categories (Profitability & Efficiency, Total Returns). PAYO leads in 1 (Valuation Metrics). 1 tied.
Best OverallAmazon.com, Inc. (AMZN)Leads 3 of 6 categories
Loading custom metrics...
PAYO vs AMZN: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PAYO or AMZN a better buy right now?
For growth investors, Amazon.
com, Inc. (AMZN) is the stronger pick with 12. 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 AMZN?
On trailing P/E, Payoneer Global Inc.
(PAYO) is the cheapest at 25. 6x versus Amazon. com, Inc. at 38. 3x. On forward P/E, Payoneer Global Inc. is actually cheaper at 19. 6x.
03Which is the better long-term investment — PAYO or AMZN?
Over the past 5 years, Amazon.
com, Inc. (AMZN) delivered a total return of +66. 3%, compared to -51. 8% for Payoneer Global Inc. (PAYO). Over 10 years, the gap is even starker: AMZN returned +715. 9% versus PAYO's -49. 8%. 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 AMZN?
By beta (market sensitivity over 5 years), Amazon.
com, Inc. (AMZN) is the lower-risk stock at 1. 51β versus Payoneer Global Inc. 's 1. 65β — meaning PAYO is approximately 9% more volatile than AMZN relative to the S&P 500. On balance sheet safety, Payoneer Global Inc. (PAYO) carries a lower debt/equity ratio of 10% versus 37% for Amazon. com, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — PAYO or AMZN?
By revenue growth (latest reported year), Amazon.
com, Inc. (AMZN) is pulling ahead at 12. 4% versus 7. 7% for Payoneer Global Inc. (PAYO). On earnings-per-share growth, the picture is similar: Amazon. com, Inc. grew EPS 29. 7% year-over-year, compared to -38. 7% for Payoneer Global Inc.. Over a 3-year CAGR, PAYO leads at 18. 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 AMZN?
Amazon.
com, Inc. (AMZN) is the more profitable company, earning 10. 8% net margin versus 7. 0% for Payoneer Global Inc. — meaning it keeps 10. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PAYO leads at 11. 8% versus 11. 2% for AMZN. 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 AMZN more undervalued right now?
On forward earnings alone, Payoneer Global Inc.
(PAYO) trades at 19. 6x forward P/E versus 35. 3x for Amazon. com, Inc. — 15. 6x 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 AMZN?
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 AMZN better for a retirement portfolio?
For long-horizon retirement investors, Amazon.
com, Inc. (AMZN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (+715. 9% 10Y return). 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 (AMZN: +715. 9%, 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 AMZN?
These companies operate in different sectors (PAYO (Technology) and AMZN (Consumer Cyclical)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
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% · AMZN: 16.6%)Net Margin>
%
(PAYO: 7.0% · AMZN: 12.2%)P/E Ratio<
x
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