Payoneer Global Inc.

NasdaqGM:PAYO Stock Report

Market Cap: US$2.4b

Payoneer Global Valuation

Is PAYO undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of PAYO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
US$2.53
Fair Value
166.8% overvalued intrinsic discount
7
Number of Analysts

Below Fair Value: PAYO ($6.68) is trading above our estimate of fair value ($2.53)

Significantly Below Fair Value: PAYO is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PAYO?

Key metric: As PAYO is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for PAYO. This is calculated by dividing PAYO's market cap by their current earnings.
What is PAYO's PE Ratio?
PE Ratio21.6x
EarningsUS$112.77m
Market CapUS$2.42b

Price to Earnings Ratio vs Peers

How does PAYO's PE Ratio compare to its peers?

The above table shows the PE ratio for PAYO vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average30.4x
EVTC EVERTEC
18x7.61%US$2.4b
PAGS PagSeguro Digital
6.9x9.21%US$2.7b
DLO DLocal
21.7x25.79%US$3.3b
PAY Paymentus Holdings
75.1x27.20%US$3.9b
PAYO Payoneer Global
21.4x-10.03%US$2.5b

Price-To-Earnings vs Peers: PAYO is good value based on its Price-To-Earnings Ratio (21.4x) compared to the peer average (30.9x).

Price to Earnings Ratio vs Industry

How does PAYO's PE Ratio compare vs other companies in the US Diversified Financial Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
PMIR PMI Group
0.09xn/aUS$518.61k
ACGX Alliance Creative Group
1.7xn/aUS$406.34k
No more companies available in this PE range
PAYO 21.6xIndustry Avg. 16.2xNo. of Companies12PE01224364860+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: PAYO is expensive based on its Price-To-Earnings Ratio (21.4x) compared to the US Diversified Financial industry average (16.4x).

Price to Earnings Ratio vs Fair Ratio

What is PAYO's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

PAYO PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio21.6x
Fair PE Ratio12.1x

Price-To-Earnings vs Fair Ratio: PAYO is expensive based on its Price-To-Earnings Ratio (21.4x) compared to the estimated Fair Price-To-Earnings Ratio (12.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst PAYO forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$6.75
US$9.50
+40.74%
18.87%US$12.00US$7.00n/a7
Jul ’26US$6.89
US$9.50
+37.88%
18.87%US$12.00US$7.00n/a7
Jun ’26US$6.81
US$9.50
+39.50%
18.87%US$12.00US$7.00n/a7
May ’26US$7.09
US$11.44
+61.32%
21.35%US$14.00US$7.50n/a8
Apr ’26US$7.47
US$11.88
+58.97%
16.54%US$14.00US$8.00n/a8
Mar ’26US$8.55
US$12.44
+45.47%
10.53%US$14.00US$10.00n/a8
Feb ’26US$10.60
US$12.64
+19.27%
8.11%US$14.00US$11.00n/a7
Jan ’26US$10.04
US$12.31
+22.63%
13.15%US$14.00US$8.50n/a8
Dec ’25US$10.91
US$12.13
+11.14%
12.50%US$14.00US$8.50n/a8
Nov ’25US$8.46
US$9.19
+8.60%
7.67%US$10.00US$8.00n/a8
Oct ’25US$7.64
US$8.56
+12.07%
7.96%US$10.00US$8.00n/a8
Sep ’25US$7.43
US$8.28
+11.41%
7.59%US$9.00US$7.00n/a9
Aug ’25US$5.61
US$7.50
+33.69%
11.76%US$9.00US$6.50n/a9
Jul ’25US$5.43
US$7.50
+38.12%
11.76%US$9.00US$6.50US$6.899
Jun ’25US$5.99
US$7.50
+25.21%
11.76%US$9.00US$6.50US$6.819
May ’25US$4.95
US$6.67
+34.68%
14.58%US$9.00US$5.50US$7.099
Apr ’25US$4.89
US$6.61
+35.20%
15.03%US$9.00US$5.50US$7.479
Mar ’25US$4.94
US$6.89
+39.45%
15.60%US$9.00US$5.50US$8.559
Feb ’25US$4.76
US$7.56
+58.88%
14.57%US$10.00US$6.00US$10.608
Jan ’25US$5.21
US$8.00
+53.55%
12.50%US$10.00US$7.00US$10.048
Dec ’24US$5.26
US$8.22
+56.32%
11.14%US$10.00US$7.00US$10.919
Nov ’24US$5.75
US$8.61
+49.76%
12.77%US$10.00US$7.00US$8.469
Oct ’24US$6.12
US$8.72
+42.52%
11.18%US$10.00US$7.50US$7.649
Sep ’24US$6.27
US$8.50
+35.57%
13.01%US$10.00US$7.00US$7.439
Aug ’24US$5.39
US$8.17
+51.52%
14.14%US$10.00US$7.00US$5.619
Jul ’24US$4.81
US$8.44
+75.42%
12.37%US$10.00US$7.00US$5.438
AnalystConsensusTarget
Consensus Narrative from 7 Analysts
US$9.50
Fair Value
28.9% undervalued intrinsic discount
7
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/07/08 23:33
End of Day Share Price 2025/07/08 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Payoneer Global Inc. is covered by 9 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Mark PalmerBenchmark Company
Peter ChristiansenCitigroup Inc
William NanceGoldman Sachs