PAYO
Payoneer Global Inc.
Software - Infrastructure
Market Cap$1.74B
5Y Perf.-47.3%
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Stock Comparison
PAYO vs PYPL
Revenue, margins, valuation, and 5-year total return — side by side.
PYPL
PayPal Holdings, Inc.
Financial - Credit Services
Market Cap$40.77B
5Y Perf.-75.2%
PAYO vs PYPL — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PAYO | PYPL |
|---|---|---|
| Industry | Software - Infrastructure | Financial - Credit Services |
| Market Cap | $1.74B | $40.77B |
| Revenue (TTM) | $1.07B | $33.17B |
| Net Income (TTM) | $72M | $5.06B |
| Gross Margin | 61.9% | 46.6% |
| Operating Margin | 11.7% | 18.3% |
| Forward P/E | 20.4x | 8.7x |
| Total Debt | $72M | $9.99B |
| Cash & Equiv. | $416M | $8.05B |
PAYO vs PYPL — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PAYO
PYPL
| Stock | Oct 20 | May 26 | Return |
|---|---|---|---|
| Payoneer Global Inc. (PAYO) | 100 | 52.7 | -47.3% |
| PayPal Holdings, In… (PYPL) | 100 | 24.8 | -75.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PAYO vs PYPL
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PYPL leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Payoneer Global Inc. is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
PAYO
Payoneer Global Inc.
The Growth Play
PAYO is the clearest fit if your priority is growth exposure.
- Rev growth 7.7%, EPS growth -38.7%, 3Y rev CAGR 18.8%
- 7.7% revenue growth vs PYPL's 4.3%
- -17.9% vs PYPL's -32.3%
Best for: growth exposure
PYPL
PayPal Holdings, Inc.
The Banking Pick
PYPL carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 1.39, yield 0.3%
- 17.4% 10Y total return vs PAYO's -47.7%
- Lower volatility, beta 1.39, Low D/E 49.3%, current ratio 1.29x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PAYO | 7.7% revenue growth vs PYPL's 4.3% |
| Value | PYPL | Lower P/E (8.7x vs 20.4x) |
| Quality / Margins | PYPL | 15.8% margin vs PAYO's 6.8% |
| Stability / Safety | PYPL | Beta 1.39 vs PAYO's 1.65 |
| Dividends | PYPL | 0.3% yield; 1-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | PAYO | -17.9% vs PYPL's -32.3% |
| Efficiency (ROA) | PYPL | 6.3% ROA vs PAYO's 0.9%, ROIC 15.0% vs 30.7% |
PAYO vs PYPL — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
PAYO vs PYPL — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPAYOLAGGINGPYPL
PYPLPayPal Holdings, Inc.
2leads
PAYOPayoneer Global Inc.
2leads
6 Total Categories
CATEGORYLEADERvs PYPLMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PAYO3/5
Valuation MetricsMultiples, price ratios, and targets
PYPL6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PYPL5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
PAYO5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
PAYO leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PYPL is the larger business by revenue, generating $33.2B annually — 31.1x PAYO's $1.1B. PYPL is the more profitable business, keeping 15.8% of every revenue dollar as net income compared to PAYO's 6.8%.
| Metric | PAYOPayoneer Global I… | PYPLPayPal Holdings, … |
|---|---|---|
| RevenueTrailing 12 months | $1.1B | $33.2B |
| EBITDAEarnings before interest/tax | $208M | $6.7B |
| Net IncomeAfter-tax profit | $72M | $5.1B |
| Free Cash FlowCash after capex | $215M | $5.5B |
| Gross MarginGross profit ÷ Revenue | +61.9% | +46.6% |
| Operating MarginEBIT ÷ Revenue | +11.7% | +18.3% |
| Net MarginNet income ÷ Revenue | +6.8% | +15.8% |
| FCF MarginFCF ÷ Revenue | +20.2% | +16.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +6.1% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +20.0% | -6.2% |
PAYO leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
PYPL leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 8.5x trailing earnings, PYPL trades at a 68% valuation discount to PAYO's 26.6x P/E. On an enterprise value basis, PYPL's 6.1x EV/EBITDA is more attractive than PAYO's 7.4x.
| Metric | PAYOPayoneer Global I… | PYPLPayPal Holdings, … |
|---|---|---|
| Market CapShares × price | $1.7B | $40.8B |
| Enterprise ValueMkt cap + debt − cash | $1.4B | $42.7B |
| Trailing P/EPrice ÷ TTM EPS | 26.63x | 8.54x |
| Forward P/EPrice ÷ next-FY EPS est. | 20.42x | 8.71x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.97x |
| EV / EBITDAEnterprise value multiple | 7.36x | 6.08x |
| Price / SalesMarket cap ÷ Revenue | 1.66x | 1.23x |
| Price / BookPrice ÷ Book value/share | 2.71x | 2.21x |
| Price / FCFMarket cap ÷ FCF | 8.44x | 7.33x |
PYPL leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
PYPL leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
PYPL delivers a 25.1% return on equity — every $100 of shareholder capital generates $25 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 PYPL's 0.49x. On the Piotroski fundamental quality scale (0–9), PYPL scores 8/9 vs PAYO's 5/9, reflecting strong financial health.
| Metric | PAYOPayoneer Global I… | PYPLPayPal Holdings, … |
|---|---|---|
| ROE (TTM)Return on equity | +10.0% | +25.1% |
| ROA (TTM)Return on assets | +0.9% | +6.3% |
| ROICReturn on invested capital | +30.7% | +15.0% |
| ROCEReturn on capital employed | +14.9% | +18.1% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 8 |
| Debt / EquityFinancial leverage | 0.10x | 0.49x |
| Net DebtTotal debt minus cash | -$343M | $1.9B |
| Cash & Equiv.Liquid assets | $416M | $8.0B |
| Total DebtShort + long-term debt | $72M | $10.0B |
| Interest CoverageEBIT ÷ Interest expense | 17.23x | 19.28x |
PYPL leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
PAYO leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PAYO five years ago would be worth $5,020 today (with dividends reinvested), compared to $1,835 for PYPL. Over the past 12 months, PAYO leads with a -17.9% total return vs PYPL's -32.3%. The 3-year compound annual growth rate (CAGR) favors PAYO at -3.1% vs PYPL's -14.9% — a key indicator of consistent wealth creation.
| Metric | PAYOPayoneer Global I… | PYPLPayPal Holdings, … |
|---|---|---|
| YTD ReturnYear-to-date | -7.0% | -20.3% |
| 1-Year ReturnPast 12 months | -17.9% | -32.3% |
| 3-Year ReturnCumulative with dividends | -9.0% | -38.4% |
| 5-Year ReturnCumulative with dividends | -49.8% | -81.6% |
| 10-Year ReturnCumulative with dividends | -47.7% | +17.4% |
| CAGR (3Y)Annualised 3-year return | -3.1% | -14.9% |
PAYO leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — PAYO and PYPL each lead in 1 of 2 comparable metrics.
Risk & Volatility
PYPL is the less volatile stock with a 1.39 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. PAYO currently trades 66.0% from its 52-week high vs PYPL's 58.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PAYOPayoneer Global I… | PYPLPayPal Holdings, … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.65x | 1.39x |
| 52-Week HighHighest price in past year | $7.67 | $79.50 |
| 52-Week LowLowest price in past year | $4.08 | $38.46 |
| % of 52W HighCurrent price vs 52-week peak | +66.0% | +58.1% |
| RSI (14)Momentum oscillator 0–100 | 45.1 | 40.9 |
| Avg Volume (50D)Average daily shares traded | 3.5M | 15.4M |
Evenly matched — PAYO and PYPL each lead in 1 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates PAYO as "Buy" and PYPL as "Hold". Consensus price targets imply 48.2% upside for PAYO (target: $8) vs 11.8% for PYPL (target: $52). PYPL is the only dividend payer here at 0.29% yield — a key consideration for income-focused portfolios.
| Metric | PAYOPayoneer Global I… | PYPLPayPal Holdings, … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $7.50 | $51.67 |
| # AnalystsCovering analysts | 10 | 70 |
| Dividend YieldAnnual dividend ÷ price | — | +0.3% |
| Dividend StreakConsecutive years of raises | — | 1 |
| Dividend / ShareAnnual DPS | — | $0.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +10.0% | +14.8% |
Insufficient data to determine a leader in this category.
Key Takeaway
PAYO leads in 2 of 6 categories (Income & Cash Flow, Total Returns). PYPL leads in 2 (Valuation Metrics, Profitability & Efficiency). 1 tied.
Best OverallPayoneer Global Inc. (PAYO)Leads 2 of 6 categories
Loading custom metrics...
PAYO vs PYPL: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PAYO or PYPL a better buy right now?
For growth investors, Payoneer Global Inc.
(PAYO) is the stronger pick with 7. 7% revenue growth year-over-year, versus 4. 3% for PayPal Holdings, Inc. (PYPL). PayPal Holdings, Inc. (PYPL) offers the better valuation at 8. 5x trailing P/E (8. 7x 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 PYPL?
On trailing P/E, PayPal Holdings, Inc.
(PYPL) is the cheapest at 8. 5x versus Payoneer Global Inc. at 26. 6x. On forward P/E, PayPal Holdings, Inc. is actually cheaper at 8. 7x.
03Which is the better long-term investment — PAYO or PYPL?
Over the past 5 years, Payoneer Global Inc.
(PAYO) delivered a total return of -49. 8%, compared to -81. 6% for PayPal Holdings, Inc. (PYPL). Over 10 years, the gap is even starker: PYPL returned +17. 4% versus PAYO's -47. 7%. 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 PYPL?
By beta (market sensitivity over 5 years), PayPal Holdings, Inc.
(PYPL) is the lower-risk stock at 1. 39β versus Payoneer Global Inc. 's 1. 65β — meaning PAYO is approximately 18% more volatile than PYPL relative to the S&P 500. On balance sheet safety, Payoneer Global Inc. (PAYO) carries a lower debt/equity ratio of 10% versus 49% for PayPal Holdings, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — PAYO or PYPL?
By revenue growth (latest reported year), Payoneer Global Inc.
(PAYO) is pulling ahead at 7. 7% versus 4. 3% for PayPal Holdings, Inc. (PYPL). On earnings-per-share growth, the picture is similar: PayPal Holdings, Inc. grew EPS 35. 6% year-over-year, compared to -38. 7% for Payoneer Global Inc.. 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 PYPL?
PayPal Holdings, Inc.
(PYPL) is the more profitable company, earning 15. 8% net margin versus 7. 0% for Payoneer Global Inc. — meaning it keeps 15. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PYPL leads at 18. 3% versus 11. 8% for PAYO. 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 PYPL more undervalued right now?
On forward earnings alone, PayPal Holdings, Inc.
(PYPL) trades at 8. 7x forward P/E versus 20. 4x for Payoneer Global Inc. — 11. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PAYO: 48. 2% to $7. 50.
08Which pays a better dividend — PAYO or PYPL?
In this comparison, PYPL (0.
3% yield) pays a dividend. PAYO does not pay a meaningful dividend and should not be held primarily for income.
09Is PAYO or PYPL better for a retirement portfolio?
For long-horizon retirement investors, PayPal Holdings, Inc.
(PYPL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. 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 (PYPL: +17. 4%, PAYO: -47. 7%), 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 PYPL?
These companies operate in different sectors (PAYO (Technology) and PYPL (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: PAYO is a small-cap quality compounder stock; PYPL is a mid-cap deep-value 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: 6.1% · PYPL: 4.3%)Net Margin>
%
(PAYO: 6.8% · PYPL: 15.8%)P/E Ratio<
x
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