PAYONEER GLOBAL INC (PAYO)
Financials · financial technology (fintech) · NASDAQ
Payoneer provides a global financial platform that empowers businesses and freelancers to pay and get paid across borders with ease.
What PAYONEER GLOBAL INC does
Payoneer is a financial services company that provides a global payment and commerce-enabling platform. It helps businesses, online sellers, and freelancers to send and receive cross-border payments, manage multi-currency accounts, and access capital for growth.
Themes: cross-border payments, fintech, e-commerce enablement, gig economy infrastructure, B2B payments
Fundamentals
- Price$7.11 as of 2026-08-21 close
- Market cap$2.4B as of 2026-08-21
- 1-year return+6.9% 2025-08-21 close $6.65 → 2026-08-21 close $7.11
- P/E33.52 as of 2026-08-24
- Net margin+6.8% as of 2026-08-24
- Gross margin+84.9% as of 2026-08-24
- ROE+10.0% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Revenue growth (YoY)+7.2% as of 2026-08-24
- Revenue CAGR (3y)+18.8% SEC XBRL
- Beta0.90 as of 2026-08-24
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
How PAYO compares in its sector
- price-to-earnings ratiotop 10% 525 covered Financials peers, as of 2026-08-24
- net profit marginbottom 25% 538 covered Financials peers, as of 2026-08-24
- operating marginbottom 25% 534 covered Financials peers, as of 2026-08-24
- gross margintop 25% 176 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRtop 25% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
PAYO is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no shareholder return data.
Short-term score
52.8 #619 of 1,704 scored · #103 of 277 in Financials
Setup 63rd: no fresh 20-day breakout up or down; trend 61st: a strong uptrend, with buyers in control; weakest is volume and participation 39th: trading volume is unusually light — only about 41% of its 30-day average.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
How PAYONEER GLOBAL INC looks technically
PAYONEER GLOBAL INC (PAYO) is trading 23.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 36 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 32, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 59, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 16 trading days ago. It is 1.0% below its 52-week high (its highest price of the past year). Trading volume is unusually light — only about 22% of its 30-day average.
Trend
7
| Distance from the 200-day | it is trading 23.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +23.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $7.09 | $7.09 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $5.76 | $5.76 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 56 calendar days ago — the swings before that are what the structure reading is measured on | 56 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 36 trading days ago — a "golden cross", a bullish long-term signal | 36 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 32, with buyers in control | 32.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 59, neither overbought (above 70) nor oversold (below 30) | 58.9 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($7.02 to $7.16) — its "stochastic" reading is 64 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 64.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 36 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $7.18 | $7.18 |
|---|---|---|
| From the 52-week high | it is 1.0% below its 52-week high (its highest price of the past year) | -1.0% |
| Above the 52-week low | it is 74.3% above its 52-week low (its lowest price of the past year) | +74.3% |
| Below the 52-week high | it is at or near its highest point of the past year | 1.0% |
| Since a 20-day breakout | it made a new 20-day high about 16 trading days ago | 16 sessions |
| Since a 55-day breakout | it made a new 55-day high about 16 trading days ago | 16 sessions |
| All-time high | its highest closing price on record is $11.29 (set on 2024-11-25) | $11.29 |
| Given back of the 52-week move | over the past year its closes ranged ($4.27 to $7.17), and it has given back only a small part of its rise from last year’s low — 2% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $5.29 to $5.38. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 2.1% |
| From the all-time high | it is 37.0% below its all-time high | -37.0% |
| Nearest price level | it is sitting right on a support level at $7.10 — a price it turned at 8 times since 2025-06-09, most recently on 2026-08-13. Since 2024-08-21 it has 12 such levels below the current price and 6 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.1% |
| All-time low | its lowest closing price on record is $3.33 (set on 2022-05-12) | $3.33 |
| Above the all-time low | it is 113.8% above its all-time low | +113.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 84% of it) | 16th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.0453 between its high and its low — about 0.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.0453 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $7.08 and $7.16 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $7.08 – $7.12 – $7.16 |
| Typical daily range (% of price) | its price moves about 0.6% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 0.6% |
| Stretch from the 200-day average | it is trading 29.8 daily ranges above its 200-day average price (23.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale. Read that multiple with care: this company's daily range is unusually small (about 0.6% of its price), which is what makes the multiple large — a stock trading in a narrow band near a takeover price does this | 29.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 22% of its 30-day average | 0.22× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 2 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 2 sessions ago |
|---|---|---|
| Since a bullish engulfing | 7 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 7 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.1% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +0.1% |
|---|---|---|
| Open gap | it gapped 4.1% above the previous close 47 sessions ago and has not traded back through the level it left behind at 6.75 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +4.1% |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 2.5 percentage points (the stock lost 0.1% while the market gained 2.3%) | -2.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 39.1 percentage points (the stock gained 42.2% while the market gained 3.1%) | +39.1% |
| vs market, 6 months | over the past 6 months this stock beat the market by 20.4 percentage points (the stock gained 31.4% while the market gained 11.1%) | +20.4% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 13.6 percentage points (the stock gained 6.9% while the market gained 20.5%) | -13.6% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 8.1% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thick, spanning 10.4% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | +8.1% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 18% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $6.01 — a volume-weighted average of daily closes over 155 sessions, not a true tick-by-tick VWAP. | +18.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is sitting right on the average price paid since it last reported on 2026-08-06 (its 10-Q), so the typical buyer over that stretch is roughly break-even. That average is $7.11 — a volume-weighted average of daily closes over 12 sessions, not a true tick-by-tick VWAP. | -0.0% |
Price levels it has turned at before
PAYO last closed at $7.11 on 2026-08-21. Since 2024-08-21 it has turned at 12 prices below its last close and 6 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $7.10 | Support | 0.1% below the last close | turned there 8 times · 2025-06-09 to 2026-08-13 |
| $6.89 | Support | 3.1% below the last close | turned there three times · 2024-09-10 to 2025-09-17 |
| $7.65 | Resistance | 7.6% above the last close | turned there four times · 2024-08-30 to 2025-08-07 |
| $6.54 | Support | 8.0% below the last close | turned there three times · 2025-06-03 to 2026-01-30 |
| $9.62 | Resistance | 35.3% above the last close | turned there twice · 2024-12-20 to 2025-01-13 |
| $9.88 | Resistance | 39.0% above the last close | turned there twice · 2025-01-27 to 2025-02-12 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Near the 52-week high · in a strong, established uptrend (ADX) · beating the market · Least volatile (2% or less typical daily range) · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.88 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$7.40 range $7.40 – $7.40
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for PAYO
- Consensus EPS estimate$0.07883 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Potential adverse effects of geopolitical events and conflicts in the Middle East and globally.","Dependence on regulatory compliance and exposure to changes in applicable laws.","Ability to consummate the merger with Nuvei (Neon Maple Parent Inc.) on the expected terms."]
What changed in the latest 10-Q
AI-assisted comparison of PAYO's 10-Q filed 2026-05-07 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Added statement that Payoneer was founded in 2005 and has been operating for 20+ years (newer filing, 2026-05-07)
- Added reference to U.S. and Israel's war with Iran that broke out in February 2026 (newer filing, 2026-05-07)
- Added statement that conflicts between Israel and Hezbollah, Iran and other proxies continued into 2026 (newer filing, 2026-05-07)
- Added disclosure that approximately 49% of global employee base is located in Israel, including approximately 77% of R&D resources, as of March 31, 2026 (newer filing, 2026-05-07)
- Added disclosure regarding military reserve duty and contingencies in place (newer filing, 2026-05-07)
- Added information about interest rate derivative contracts with respect to $2.2 billion in customer funds (newer filing, 2026-05-07)
- Added volume figures for three months ended March 31, 2026 ($22.8 billion) and 2025 ($19.7 billion) (newer filing, 2026-05-07)
- Removed:
- Removed detailed description of revenue generation mechanics (when customers use funds for payments, purchases, withdrawals, and when receiving funds) (older filing, 2025-11-05)
- Removed discussion of ideal customer profile (customers with over $500 a month in volume) (older filing, 2025-11-05)
- Removed statement about primary drivers of revenue growth and wallet share strategy (older filing, 2025-11-05)
- Removed references to volume figures for three months and nine months ended September 30, 2025 and 2024 (older filing, 2025-11-05)
- Removed detailed interest rate history (Federal Reserve rate changes during 2023, 2024, and 2025) (older filing, 2025-11-05)
- Removed reference to customer funds balance of $7.1 billion as of September 30, 2025 (older filing, 2025-11-05)
- Removed disclosure of $1.9 billion in interest rate derivative contracts (older filing, 2025-11-05)
- Removed section heading 'Impact of Israel's Conflicts in the Middle East' and replaced with broader framing (newer filing, 2026-05-07)
- Reworded:
- Changed 'Payoneer was founded in 2005 and in the 20+ years since' to establish founding date more explicitly (newer filing, 2026-05-07)
- Changed 'changes in global trade policies' to 'evolving changes in global trade policies' (newer filing, 2026-05-07)
- Changed 'recent imposition' to 'imposition' regarding U.S. trade policy measures (newer filing, 2026-05-07)
- Changed 'Israel's conflicts in the Middle East' to 'the U.S. and Israel's war with Iran' and broader Middle East conflicts description (newer filing, 2026-05-07)
- Changed 'the war also involved conflicts' to 'Conflicts between Israel and Hezbollah, Iran and other proxies...continued into 2026' (newer filing, 2026-05-07)
- Changed 'partially outso[urced]' wording in older filing appears truncated; newer filing uses 'partially outsourced operations model' (newer filing, 2026-05-07)
- Removed detailed explanation of revenue sources and replaced with more general platform description (newer filing, 2026-05-07)
- Notes:
- Older filing text appears truncated at end of 'Impact of Israel's Conflicts in the Middle East' section, preventing complete comparison of that section
- Newer filing also appears truncated at end of disclosure regarding Israeli revenue
- Comparison is based on available text; full sections may contain additional changes not visible due to truncation
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days.
- Last 90 days0 buys · 1 sell ($175250) — 1 selling insider
- Last 180 days0 buys · 1 sell ($175250) — 1 selling insider
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-06-15. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PAYO's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding PAYO as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 57,142,353
- Reported value $275,997,560
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
PAYO had 15,777,284 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
PAYO had 4.66% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.74 days to cover at the same settlement.
- Reported short interest (shares) 15,777,284
- Short interest (% of shares outstanding) 4.66%
- Prior settlement (shares) 15,864,475
- Reported change -0.55%
- Days to cover (reported) 3.74
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- PayPal (PYPL)
- Stripe
- Wise (WISE)
- Airwallex
- Marqeta (MQ)
- Block
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does PAYONEER GLOBAL INC (PAYO) do?
Payoneer is a financial services company that provides a global payment and commerce-enabling platform. It helps businesses, online sellers, and freelancers to send and receive cross-border payments, manage multi-currency accounts, and access capital for growth.
What sector is PAYONEER GLOBAL INC (PAYO) in?
PAYONEER GLOBAL INC (PAYO) is classified in the Financials sector. Its industry is financial technology (fintech). It trades on NASDAQ.
Who are PAYONEER GLOBAL INC's (PAYO) competitors?
Notable peers of PAYONEER GLOBAL INC (PAYO) include PayPal, Stripe, Wise, Airwallex and Marqeta. This peer set is informational only — not financial advice.
Is PAYONEER GLOBAL INC (PAYO) overbought or oversold right now?
PAYONEER GLOBAL INC (PAYO) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 59, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PAYO come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.