| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| MQMarqeta, Inc. | 1.8B | 4.41 | 83.84 | -25.02% | -6.74% | -4.72% | 3.1% | 0.01 |
| PAYSPaySign, Inc. | 259.8M | 4.72 | 68.80 | 23.5% | 10.1% | 16.53% | 5.18% | 0.10 |
| CSGSCSG Systems International, Inc. | 2.27B | 79.48 | 26.23 | 2.39% | 6.85% | 28.79% | 5% | 2.03 |
| CPAYCorpay, Inc. | 23.14B | 330.77 | 23.68 | 5.77% | 24.37% | 25.52% | 7.63% | 2.54 |
| PAYOPayoneer Global Inc. | 1.92B | 5.40 | 17.42 | 17.64% | 6.96% | 9.64% | 6.05% | 0.03 |
| IMXIInternational Money Express, Inc. | 460.64M | 15.50 | 8.66 | -0.01% | 6.26% | 26.14% | 5.01% | 1.35 |
| ATCHAtlasClear Holdings, Inc. | 38.17M | 0.26 | -0.69 | 171.31% | -44.2% | -79.32% | 4.12% | |
| LSAKLesaka Technologies, Inc. | 392.68M | 4.67 | -4.10 | 16.92% | -11.78% | -32.78% | 0.90 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Sales/Revenue | 260.13M | 317.75M | 345.59M | 473.4M | 627.62M | 831.1M | 977.72M |
| Revenue Growth % | - | 0.22% | 0.09% | 0.37% | 0.33% | 0.32% | 0.18% |
| Cost of Goods Sold | 81.37M | 94.67M | 97.04M | 101.48M | 110.17M | 122.29M | 152.11M |
| COGS % of Revenue | 0.31% | 0.3% | 0.28% | 0.21% | 0.18% | 0.15% | 0.16% |
| Gross Profit | 178.77M | 223.09M | 248.55M | 371.93M | 517.46M | 708.81M | 825.61M |
| Gross Margin % | 0.69% | 0.7% | 0.72% | 0.79% | 0.82% | 0.85% | 0.84% |
| Gross Profit Growth % | - | 0.25% | 0.11% | 0.5% | 0.39% | 0.37% | 0.16% |
| Operating Expenses | 180.69M | 219.44M | 265.85M | 402.14M | 539.67M | 605.2M | 676.58M |
| OpEx % of Revenue | 0.69% | 0.69% | 0.77% | 0.85% | 0.86% | 0.73% | 0.69% |
| Selling, General & Admin | 74.55M | 92.04M | 114.47M | 178.73M | 280.88M | 315.69M | 351.43M |
| SG&A % of Revenue | 0.29% | 0.29% | 0.33% | 0.38% | 0.45% | 0.38% | 0.36% |
| Research & Development | 29.38M | 34.77M | 52.3M | 80.76M | 115.04M | 119.2M | 134.63M |
| R&D % of Revenue | 0.11% | 0.11% | 0.15% | 0.17% | 0.18% | 0.14% | 0.14% |
| Other Operating Expenses | 76.76M | 92.64M | 99.07M | 142.65M | 143.75M | 170.32M | 190.52M |
| Operating Income | -1.93M | 3.64M | -17.3M | -30.21M | -22.21M | 103.61M | 149.03M |
| Operating Margin % | -0.01% | 0.01% | -0.05% | -0.06% | -0.04% | 0.12% | 0.15% |
| Operating Income Growth % | - | 2.89% | -5.75% | -0.75% | 0.26% | 5.66% | 0.44% |
| EBITDA | 2.38M | 9.73M | -10.45M | -23.15M | -13.93M | 111.7M | 157.73M |
| EBITDA Margin % | 0.01% | 0.03% | -0.03% | -0.05% | -0.02% | 0.13% | 0.16% |
| EBITDA Growth % | - | 3.08% | -2.07% | -1.22% | 0.4% | 9.02% | 0.41% |
| D&A (Non-Cash Add-back) | 4.31M | 6.09M | 6.85M | 7.06M | 8.29M | 8.09M | 8.7M |
| EBIT | -4.1M | 4.08M | -15.43M | -25.06M | 11.75M | 132.54M | 139.47M |
| Net Interest Income | 0 | 0 | 0 | -220K | 45.16M | 242.2M | 259.26M |
| Interest Income | 0 | 0 | 0 | 0 | 55.29M | 242.2M | 259.26M |
| Interest Expense | 0 | 0 | 0 | 220K | 10.13M | 0 | 0 |
| Other Income/Expense | -2.17M | 443K | 1.87M | 4.93M | 23.83M | 28.93M | -9.56M |
| Pretax Income | -4.1M | 4.08M | -15.43M | -25.28M | 1.62M | 132.54M | 139.47M |
| Pretax Margin % | -0.02% | 0.01% | -0.04% | -0.05% | 0% | 0.16% | 0.14% |
| Income Tax | 3.09M | 4.71M | 8.32M | 8.71M | 13.59M | 39.2M | 18.31M |
| Effective Tax Rate % | 1.75% | -0.15% | 1.54% | 1.34% | -7.41% | 0.7% | 0.87% |
| Net Income | -7.19M | -625K | -23.75M | -33.99M | -11.97M | 93.33M | 121.16M |
| Net Margin % | -0.03% | -0% | -0.07% | -0.07% | -0.02% | 0.11% | 0.12% |
| Net Income Growth % | - | 0.91% | -36.99% | -0.43% | 0.65% | 8.8% | 0.3% |
| Net Income (Continuing) | -7.19M | -625K | -23.75M | -33.99M | -11.97M | 93.33M | 121.16M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -0.02 | -0.00 | -0.07 | -0.19 | -0.03 | 0.24 | 0.31 |
| EPS Growth % | - | 0.92% | - | -1.72% | 0.82% | 7.98% | 0.29% |
| EPS (Basic) | -0.02 | -0.00 | -0.07 | -0.20 | -0.03 | 0.26 | 0.34 |
| Diluted Shares Outstanding | 338.35M | 338.35M | 338.35M | 357.49M | 348.04M | 392.67M | 386.24M |
| Basic Shares Outstanding | 338.35M | 338.35M | 338.35M | 340.05M | 348.04M | 361.68M | 358.35M |
| Dividend Payout Ratio | - | - | - | - | - | - | - |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Total Current Assets | 1.58B | 1.9B | 3.57B | 4.96B | 6.47B | 7.11B | 7.1B |
| Cash & Short-Term Investments | 104.01M | 114.9M | 102.99M | 465.93M | 543.3M | 617.02M | 497.47M |
| Cash Only | 104.01M | 114.9M | 102.99M | 465.93M | 543.3M | 617.02M | 497.47M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 0 | 73.12M | 84.03M | 77.34M | 61.2M | 66.32M | 92.83M |
| Days Sales Outstanding | - | 84 | 88.75 | 59.63 | 35.59 | 29.12 | 34.66 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - |
| Other Current Assets | 1.47B | 1.71B | 3.38B | 4.41B | 5.85B | 6.4B | 6.45B |
| Total Non-Current Assets | 0 | 57.17M | 99.22M | 116.03M | 123.55M | 174.4M | 830.74M |
| Property, Plant & Equipment | 0 | 14.27M | 12.69M | 25.08M | 29.65M | 40.35M | 35.46M |
| Fixed Asset Turnover | - | 22.26x | 27.22x | 18.87x | 21.17x | 20.60x | 27.58x |
| Goodwill | 0 | 0 | 22.54M | 21.13M | 19.89M | 19.89M | 77.78M |
| Intangible Assets | 0 | 16.19M | 34.41M | 37.53M | 45.44M | 76.27M | 102.39M |
| Long-Term Investments | 0 | 6.56M | 6.86M | 7.01M | 6.43M | 0 | 0 |
| Other Non-Current Assets | 0 | 17.18M | 19.03M | 20.38M | 17.96M | 22.6M | 573.58M |
| Total Assets | 1.58B | 1.96B | 3.67B | 5.08B | 6.59B | 7.28B | 7.93B |
| Asset Turnover | 0.16x | 0.16x | 0.09x | 0.09x | 0.10x | 0.11x | 0.12x |
| Asset Growth % | - | 0.24% | 0.87% | 0.38% | 0.3% | 0.1% | 0.09% |
| Total Current Liabilities | 1.39B | 1.74B | 3.44B | 4.5B | 5.98B | 6.54B | 7.13B |
| Accounts Payable | 0 | 13.95M | 17.25M | 17.2M | 41.57M | 33.94M | 37.3M |
| Days Payables Outstanding | - | 53.78 | 64.86 | 61.87 | 137.72 | 101.3 | 89.51 |
| Short-Term Debt | 0 | 0 | 13.5M | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Current Liabilities | 1.39B | 26.26M | 33.25M | 47.01M | 64.46M | 67.84M | 81.48M |
| Current Ratio | 1.13x | 1.09x | 1.04x | 1.10x | 1.08x | 1.09x | 1.00x |
| Quick Ratio | 1.13x | 1.09x | 1.04x | 1.10x | 1.08x | 1.09x | 1.00x |
| Cash Conversion Cycle | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 45.07M | 222.81M | 204.46M | 93.85M | 71.88M | 76.87M | 74.51M |
| Long-Term Debt | 0 | 60M | 26.52M | 13.66M | 16.14M | 18.41M | 0 |
| Capital Lease Obligations | 0 | 0 | 0 | 0 | 6.51M | 17.84M | 15.64M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 21.05M | 30M | 48.8M |
| Other Non-Current Liabilities | 45.07M | 162.81M | 177.94M | 80.19M | 28.18M | 10.63M | 10.07M |
| Total Liabilities | 1.44B | 1.97B | 3.65B | 4.59B | 6.05B | 6.62B | 7.21B |
| Total Debt | 0 | 60M | 40.02M | 22.95M | 31.01M | 43.42M | 21.38M |
| Net Debt | -104.01M | -54.9M | -62.96M | -442.97M | -512.29M | -573.6M | -476.09M |
| Debt / Equity | - | - | 1.65x | 0.05x | 0.06x | 0.07x | 0.03x |
| Debt / EBITDA | - | 6.17x | - | - | - | 0.39x | 0.14x |
| Net Debt / EBITDA | -43.61x | -5.64x | - | - | - | -5.14x | -3.02x |
| Interest Coverage | - | - | - | -137.31x | -2.19x | - | - |
| Total Equity | 138.34M | -5.36M | 24.3M | 487.07M | 545.26M | 664.27M | 724.79M |
| Equity Growth % | - | -1.04% | 5.53% | 19.04% | 0.12% | 0.22% | 0.09% |
| Book Value per Share | 0.41 | -0.02 | 0.07 | 1.36 | 1.57 | 1.69 | 1.88 |
| Total Shareholders' Equity | 138.34M | -5.36M | 24.3M | 487.07M | 545.26M | 664.27M | 724.79M |
| Common Stock | 180K | 200K | 486K | 3.4M | 3.53M | 3.69M | 3.96M |
| Retained Earnings | -35.98M | -36.32M | -60.07M | -94.05M | -108.53M | -15.2M | 105.97M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | -56.94M | -193.72M |
| Accumulated OCI | -719K | 143K | 4.17M | 2.25M | -176K | -176K | -12.61M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash from Operations | -5.99M | -14.31M | 9.53M | 20.02M | 83.96M | 159.49M | 176.93M |
| Operating CF Margin % | -0.02% | -0.05% | 0.03% | 0.04% | 0.13% | 0.19% | 0.18% |
| Operating CF Growth % | - | -1.39% | 1.67% | 1.1% | 3.19% | 0.9% | 0.11% |
| Net Income | -7.19M | -625K | -23.75M | -33.99M | -11.97M | 93.33M | 121.16M |
| Depreciation & Amortization | 7.87M | 10.34M | 17.09M | 18M | 20.86M | 27.81M | 45.45M |
| Stock-Based Compensation | 6.92M | 9.54M | 11.07M | 37.01M | 52.15M | 65.77M | 64.79M |
| Deferred Taxes | -414K | -694K | -721K | -1.22M | 731K | -11.12M | -22.62M |
| Other Non-Cash Items | 2.54M | -440K | -433K | -5.6M | -31.21M | -21.72M | 8.77M |
| Working Capital Changes | -15.72M | -32.43M | 6.26M | 5.81M | 53.4M | 5.42M | -40.63M |
| Change in Receivables | -2.2M | 129.32M | 255.92M | 3.93M | 964K | 4.9M | 337K |
| Change in Inventory | -14.36M | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 1.53M | 6.82M | 2.87M | 469K | 24.28M | -8.33M | 1.13M |
| Cash from Investing | -11.43M | -20.58M | -66.85M | 10.16M | 5.73M | -44.25M | -1.96B |
| Capital Expenditures | -10.86M | -9.15M | -4.99M | -6.89M | -28.83M | -12.06M | -8.19M |
| CapEx % of Revenue | 0.04% | 0.03% | 0.01% | 0.01% | 0.05% | 0.01% | 0.01% |
| Acquisitions | - | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - | - |
| Other Investing | -566K | -4.93M | -46.38M | 17.05M | 34.57M | -32.2M | -102.89M |
| Cash from Financing | 553.62M | 353.74M | 1.67B | 1.4B | 1.46B | 511.95M | 427.77M |
| Debt Issued (Net) | - | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - | - |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - | - |
| Other Financing | 553.62M | 293.74M | 1.66B | 1.44B | 1.44B | 551.91M | 583.7M |
| Net Change in Cash | - | - | - | - | - | - | - |
| Free Cash Flow | -16.85M | -31.6M | -4.51M | -884K | 55.13M | 111.7M | 116.53M |
| FCF Margin % | -0.06% | -0.1% | -0.01% | -0% | 0.09% | 0.13% | 0.12% |
| FCF Growth % | - | -0.88% | 0.86% | 0.8% | 63.36% | 1.03% | 0.04% |
| FCF per Share | -0.05 | -0.09 | -0.01 | -0.00 | 0.16 | 0.28 | 0.30 |
| FCF Conversion (FCF/Net Income) | 0.83x | 22.90x | -0.40x | -0.59x | -7.01x | 1.71x | 1.46x |
| Interest Paid | 0 | 311K | 1.89M | 1.92M | 1.47M | 1.77M | 1.4M |
| Taxes Paid | 3.33M | 1.94M | 5.71M | 3.69M | 9.43M | 40.91M | 52.32M |
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -5.2% | -0.94% | -250.8% | -13.29% | -2.32% | 15.43% | 17.45% |
| Return on Invested Capital (ROIC) | -4.21% | - | - | -833.28% | -43.23% | 125.7% | 65.87% |
| Gross Margin | 68.72% | 70.21% | 71.92% | 78.56% | 82.45% | 85.29% | 84.44% |
| Net Margin | -2.76% | -0.2% | -6.87% | -7.18% | -1.91% | 11.23% | 12.39% |
| Debt / Equity | - | - | 1.65x | 0.05x | 0.06x | 0.07x | 0.03x |
| Interest Coverage | - | - | - | -137.31x | -2.19x | - | - |
| FCF Conversion | 0.83x | 22.90x | -0.40x | -0.59x | -7.01x | 1.71x | 1.46x |
| Revenue Growth | - | 22.15% | 8.76% | 36.98% | 32.58% | 32.42% | 17.64% |
| 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|
| CHINA | - | - | - | 340.85M |
| CHINA Growth | - | - | - | - |
| Europe, Middle East, and Africa ( | - | - | - | 253.1M |
| Europe, Middle East, and Africa ( Growth | - | - | - | - |
| Asia Pacific | - | - | 114.33M | 186.58M |
| Asia Pacific Growth | - | - | - | 63.19% |
| Latin America | - | - | 77.28M | 100.32M |
| Latin America Growth | - | - | - | 29.81% |
| North America | - | - | 97.43M | 96.87M |
| North America Growth | - | - | - | -0.58% |
| UNITED STATES | - | - | - | 95.79M |
| UNITED STATES Growth | - | - | - | - |
| China | 160.58M | 195.66M | 287.94M | - |
| China Growth | - | 21.85% | 47.16% | - |
| Europe | - | - | 166.87M | - |
| Europe Growth | - | - | - | - |
| United States | 55.94M | 87.44M | 93.37M | - |
| United States Growth | - | 56.30% | 6.79% | - |
| All other countries | 256.88M | 344.52M | - | - |
| All other countries Growth | - | 34.12% | - | - |
Payoneer Global Inc. (PAYO) has a price-to-earnings (P/E) ratio of 17.4x. This is roughly in line with market averages.
Payoneer Global Inc. (PAYO) reported $1.04B in revenue for fiscal year 2024. This represents a 300% increase from $260.1M in 2018.
Payoneer Global Inc. (PAYO) grew revenue by 17.6% over the past year. This is strong growth.
Yes, Payoneer Global Inc. (PAYO) is profitable, generating $72.4M in net income for fiscal year 2024 (12.4% net margin).
Payoneer Global Inc. (PAYO) has a return on equity (ROE) of 17.4%. This is reasonable for most industries.
Payoneer Global Inc. (PAYO) generated $165.9M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.