Payoneer
Runs multi-currency accounts and payment flows for businesses operating across borders.
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Profile
Runs a multi-currency account and payments stack for SMBs selling across borders, with revenue tied to customer payment flows, balances, capital advances, and card activity. The business is globally regulated, reports a single segment, and has a pending Nuvei acquisition that still depends on approvals.
Runs a multi-currency Payoneer Account for SMBs, marketplace sellers, digital service exporters, contractors, creators, and hosts that need to receive, hold, convert, and send funds across borders. The platform includes marketplace receiving, B2B accounts receivable and payable, Checkout, cards, Capital Advance, and workforce-management tools added through recent acquisitions.
Operates as a global regulated payments business rather than a pure software workflow. Licenses, money-transmitter obligations, China payment-service infrastructure, and India cross-border authorization shape where and how the platform can serve customers.
Reports as a single operating segment and remains listed on Nasdaq while the Nuvei acquisition is pending. The transaction depends on stockholder and regulatory approvals, so Payoneer is still a standalone PAYO issuer until closing.
Company facts
Categories
Key statistics
Year to date +30.7% · Average volume (30d) 4.2M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 6, 2026 | Deutsche Bank | Downgrade | Buy | Hold | ||
| Jun 18, 2026 | Benchmark | Downgrade | Buy | Hold | ||
| Jun 16, 2026 | Deutsche Bank | Target | $7.40 | |||
| Jun 16, 2026 | Citigroup | Downgrade | Buy | Neutral | ||
| Jun 15, 2026 | Northland Securities | Target | $7.40 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 6, 2026Q2 FY26 | $0.06 | $0.02 | −65.3% | $271.0M | $274.3M | +1.2% | −0.14% |
| May 7, 2026Q1 FY26 | $0.04 | $0.06 | +50.0% | $255.1M | $261.6M | +2.5% | +1.98% |
| Feb 26, 2026Q4 FY25 | $0.06 | $0.05 | −16.7% | $282.4M | $274.7M | −2.7% | +1.17% |
| Nov 5, 2025Q3 FY25 | $0.06 | $0.06 | 0.0% | $282.8M | $270.9M | −4.2% | −3.66% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $246.6M | $260.6M | $270.9M | $274.7M | $261.6M | $274.3M | |
| Gross profit | $207.3M | $220.0M | $228.4M | $212.3M | $207.5M | $195.3M | |
| Operating income | $29.3M | $30.1M | $36.3M | $28.9M | $32.0M | $16.9M | |
| Net income | $20.6M | $19.5M | $14.1M | $19.0M | $19.6M | −$2.4M | |
| Diluted EPS | $0.05 | $0.05 | $0.04 | $0.05 | $0.06 | −$0.01 | |
| Gross margin | 84.0% | 84.4% | 84.3% | 77.3% | 79.3% | 71.2% | |
| Operating margin | 11.9% | 11.5% | 13.4% | 10.5% | 12.2% | 6.2% |
Fiscal years (4-quarter sums)FY21 $473.4M · FY22 $627.6M · FY23 $831.1M · FY24 $977.7M · FY25 $1.05B
Revenue by geography · Q4 FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $7.82B · Total debt $86.2M · Total assets $8.76B · Shareholders' equity $653.5M
Dividends
No dividends on record.
Ownership
Shares outstanding 338.19M · Float 269.67M · 79.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 39.06M | 11.55% | 13F | Aug 7, 2026 |
| Technology Crossover Management Viii, Ltd. | 34.20M | 10.11% | 13F | Aug 7, 2026 |
| Arthur Dantchik | 22.40M | 6.30% | 13D | Dec 29, 2025 |
| Susquehanna Capital Management, LLC | 20.55M | 6.08% | 13F | Aug 14, 2026 |
| Vanguard Portfolio Management LLC | 14.72M | 4.35% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 15, 2026 | Beatrice Ordonez | officer: Chief Financial Officer | −25,000 | $7.01 |
Peers
- PayPal
Global checkout, payouts, wallets, and merchant processing
- Wise Group
Low-cost cross-border accounts and business money movement
- BILL
SMB AP/AR automation, supplier payments, and spend workflows
- dLocal
Emerging-market pay-ins, payouts, and local payment methods
- Block
Square seller payments, online checkout, and SMB tools
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Payoneer | $7.11 | 0.00% | $2.40B | 51.7 | 28.1 | 2.2 | +5.2% |
| PayPal | $53.74 | +0.15% | $45.90B | 10.1 | 9.7 | 1.3 | +4.8% |
| Wise Group | $12.90 | −1.07% | $13.04B | 19.7 | — | 4.7 | +29.0% |
| BILL | $50.25 | −0.12% | $5.01B | — | 13.7 | 3.0 | +13.8% |
| dLocal | $15.00 | −0.20% | $4.41B | 22.1 | 15.4 | 3.3 | +55.8% |
| Block | $83.54 | −0.05% | $49.74B | 149.2 | 18.3 | 2.0 | +9.3% |
| Median | 20.9 | 14.6 | 3.0 | +13.8% |