Payoneer Global (NASDAQ:PAYO) Posts Earnings Results, Misses Expectations By $0.01 EPS

Payoneer Global (NASDAQ:PAYO) announced its quarterly earnings results on Thursday. The company reported $0.05 EPS for the quarter, missing analysts’ consensus estimates of $0.06 by ($0.01), FiscalAI reports. Payoneer Global had a return on equity of 10.70% and a net margin of 6.95%.The company had revenue of $274.69 million during the quarter, compared to the consensus estimate of $282.79 million. During the same quarter in the prior year, the firm earned $0.05 earnings per share. The business’s revenue was up 5.0% compared to the same quarter last year.

Here are the key takeaways from Payoneer Global’s conference call:

• Payoneer reported a strong 2025 with revenue ex-interest up 14%, $272M Adjusted EBITDA (26% margin), $146M free cash flow, and $175M of share repurchases, signaling improved profitability and capital returns.
• 2026 guidance targets revenue of $1.09B–$1.13B (core revenue ex-interest $900M–$940M) and core Adjusted EBITDA ex-interest more than doubling to ~$90M at the midpoint, with an expected exit at mid‑teens growth and mid‑teens core margins.
• Management expects an approximately 300 basis‑point drag to 2026 revenue growth from migrating checkout to Stripe and portfolio optimization, a front‑loaded headwind that could pressure near‑term top‑line results.
• The upmarket/B2B strategy is gaining momentum—B2B revenue grew 28%, now 30% of revenue, and customers with ≥$600k annual volume represent 42% of revenue and drove 60% of 2025 growth, supported by enterprise wins like Airbnb, Upwork, TikTok LIVE, and Best Buy.
• Payoneer launched a stablecoin pilot with Bridge (Stripe) and applied to form an uninsured national trust bank to integrate stablecoin capabilities—this could expand TAM but carries regulatory and execution uncertainty.

Payoneer Global Price Performance

Shares of PAYO stock traded up $0.05 on Friday, hitting $4.32. 6,664,190 shares of the stock traded hands, compared to its average volume of 4,335,093. Payoneer Global has a 52 week low of $4.18 and a 52 week high of $8.75. The firm has a 50 day simple moving average of $5.61 and a two-hundred day simple moving average of $5.95. The firm has a market cap of $1.54 billion, a price-to-earnings ratio of 22.74, a PEG ratio of 4.74 and a beta of 1.04.

Wall Street Analyst Weigh In

A number of equities research analysts have commented on PAYO shares. Needham & Company LLC cut their target price on shares of Payoneer Global from $10.00 to $8.00 and set a “buy” rating for the company in a research report on Thursday. Benchmark dropped their price target on Payoneer Global from $12.00 to $10.00 and set a “buy” rating on the stock in a research note on Tuesday, December 23rd. Weiss Ratings reaffirmed a “hold (c)” rating on shares of Payoneer Global in a report on Thursday, January 22nd. Jefferies Financial Group set a $7.00 target price on Payoneer Global in a report on Wednesday, November 5th. Finally, Keefe, Bruyette & Woods dropped their target price on Payoneer Global from $7.50 to $7.00 and set an “outperform” rating on the stock in a research report on Friday. Seven analysts have rated the stock with a Buy rating and one has assigned a Hold rating to the stock. According to data from MarketBeat, Payoneer Global currently has an average rating of “Moderate Buy” and a consensus target price of $8.43.

Institutional Inflows and Outflows

Hedge funds and other institutional investors have recently made changes to their positions in the stock. Osaic Holdings Inc. raised its holdings in Payoneer Global by 246.5% during the 2nd quarter. Osaic Holdings Inc. now owns 4,636 shares of the company’s stock valued at $33,000 after buying an additional 3,298 shares during the period. Vident Advisory LLC purchased a new stake in shares of Payoneer Global in the fourth quarter valued at $58,000. Empowered Funds LLC bought a new stake in shares of Payoneer Global in the 4th quarter worth about $63,000. Quarry LP boosted its stake in shares of Payoneer Global by 9,273.2% during the 3rd quarter. Quarry LP now owns 10,498 shares of the company’s stock worth $64,000 after purchasing an additional 10,386 shares during the period. Finally, Captrust Financial Advisors bought a new position in Payoneer Global during the 4th quarter valued at about $65,000. Institutional investors own 82.22% of the company’s stock.

Trending Headlines about Payoneer Global

Here are the key news stories impacting Payoneer Global this week:

• Positive Sentiment: Management highlighted 14% revenue growth ex-interest and 28% B2B revenue growth for 2025 and framed FY-2026 guidance around higher-margin growth and improved core profitability — a structural positive for future margins. PR Newswire — Q4 & FY2025 Results
• Positive Sentiment: Needham lowered its price target from $10 to $8 but kept a “buy” rating, implying continued conviction and an implied large upside from current levels. Benzinga
• Positive Sentiment: Keefe, Bruyette & Woods trimmed its target to $7.00 (from $7.50) but maintained an “outperform” rating, again signaling analyst support despite the quarter’s softness. Benzinga
• Neutral Sentiment: Payoneer is among fintechs pursuing U.S. banking licenses — a longer-term strategic move that could expand margins and product control but adds regulatory/time risk. FinanceFeeds
• Neutral Sentiment: Full Q4 presentation and earnings call materials are available for detail on KPI dynamics (useful for modeling client mix, margin cadence, and guidance detail). Earnings Presentation
• Neutral Sentiment: Complete earnings call transcript is posted for management color on growth drivers and margin levers. Earnings Call Transcript
• Negative Sentiment: Q4 results missed consensus: EPS $0.05 vs. $0.06 expected and revenue $274.7M vs. $282.8M expected — a near-term catalyst for downward pressure on sentiment. Zacks — Q4 Miss

About Payoneer Global

Payoneer Global (NASDAQ: PAYO) operates a digital payments platform that enables businesses, marketplaces and professionals to send and receive cross-border payments. The company’s core offerings include multi-currency receiving accounts, mass payout services and working capital solutions. Through its platform, Payoneer facilitates global transactions by connecting payors and payees across a network of local bank transfers, card payouts and digital wallets, supporting the seamless movement of funds in over 150 currencies.

Founded in 2005, Payoneer has grown from a small fintech venture into a widely adopted payments infrastructure provider that serves clients in more than 200 countries and territories.