Payoneer Global Inc. (PAYO) intrinsic value & 10-year financials
Payoneer Global Inc. (PAYO) has a Graham intrinsic value of $6.31 per share. At $7.12 on Oct 17, 2026, the stock trades 13% above that value. Over the last 9 fiscal years revenue grew 18.1% a year to $813.4M, with an average return on invested capital of -4077.9%.
- Graham intrinsic value
- $6.31
- Share price (Oct 17, 2026)
- $7.12
- Price vs Graham value
- 13% above
- Market cap
- $2.7B
- Revenue (FY2025)
- $813.4M
- Revenue growth (9-yr CAGR)
- 18.1%
- ROIC (10-yr avg)
- -4077.9%
- Free cash flow (FY2025)
- $206.6M
PAYO 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $813.4M | $73.2M | $0.19 | $206.6M | 15.3% | 11.0% |
| FY2024 | $710.3M | $121.2M | $0.31 | $168.7M | 21.0% | 197.2% |
| FY2023 | $590.8M | $93.3M | $0.24 | $151.0M | 17.5% | 161.7% |
| FY2022 | $572.3M | -$12.0M | -$0.03 | $73.5M | -3.9% | -35.0% |
| FY2021 | $470.7M | -$34.0M | -$0.33 | $13.1M | -6.4% | -28908.1% |
| FY2020 | $339.6M | -$23.7M | -$0.80 | $4.5M | -5.1% | 44.7% |
| FY2019 | $300.5M | -$625.0K | -$0.33 | -$23.5M | 1.2% | -16.7% |
| FY2018 | — | — | — | — | — | — |
| FY2017 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Payoneer Global Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Payoneer Global Inc. has historically struggled to out-earn its cost of capital, averaging just -40.2% ROIC.
Payoneer Global Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Payoneer Global Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $6.31 per share.