Payoneer Global Inc.
PAYOTechnologyNASDAQSoftware - Infrastructure
Scan Results
Daily timeframePayoneer Global Inc. operates as a financial technology company. Valued at $2.41B, PAYO is a mid-cap name in its sector. The company offers customers with a multi-currency account to serve their cross-border accounts receivable and accounts payable needs through payment infrastructure platform.
Market Cap
$2.41B
Beta
0.95
P/E (TTM)
35.60
P/E (Fwd)
19.00
EPS (TTM)
$0.20
EPS (Fwd)
$0.37
ROE
10.2%
ROA
1.1%
Cash
$339.4M
Total Debt
$80.0M
Free CF
-$39.3M
52W Change
4.5%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $339.4M in cash comfortably exceeding the $80.0M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. The company is burning cash, with free cash flow at -$39.3M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. ROE of 10.2% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.1% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $572.3M (2022) to $821.2M (2025), reflecting a 43% increase over the period.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing PAYO.