PAYO
Payoneer Global Inc.5.89
+0.07+1.2%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Q&A adds upmarket KPIs, trend details
Q&A provided key upmarket KPIs—customers over $50K now 42% of revenue, up 10pp from Q1 2022—with management committing to track ARPU growth, cross-sell, and volume per customer. Marketplace volumes softened in Oct/Nov but hit mid-single digits in Dec, with modest acceleration into Jan/Feb, matching industry trends. Confidence in mid-teens exit growth stems from B2B's 21% Q4 volume surge, enterprise ramps, pricing rollouts, and lapping 300bp headwind from Stripe transition (high single-digit $M revenue hit) plus portfolio tweaks. Tariffs? A tailwind via shifting trade flows. Q&A fills guidance blanks crisply. Bank charter enables stablecoin reserves, custody, fiat bridges. Watch upmarket execution.
Key Stats
Market Cap
2.12BP/E (TTM)
32.72Basic EPS (TTM)
0.18Dividend Yield
0%Recent Filings
10-K
FY2025 results
Payoneer posted FY2025 volume of $87.5B, up 9% y/y, with revenue hitting $1.05B, an 8% gain driven by SMB strength in B2B and marketplaces despite softer interest income from Fed rate cuts. Q4 holiday e-commerce lift sustained annual momentum, though macro headwinds like tariffs curbed cross-border growth; margins held firm via efficiencies. Repurchased $175M in shares under its $300M program, bolstering liquidity at $416M cash. China exposure (34% revenue) risks regulatory shifts.
8-K
Q4 results top $1B revenue
Payoneer hit $1.05B revenue in 2025, up 8% YoY, with revenue ex. interest soaring 14% to $821M on 28% B2B growth. Adjusted EBITDA held steady at $272M while repurchasing $175M in shares. 2026 guidance eyes $900-940M revenue ex. interest and $85-95M adjusted EBITDA ex. interest, doubling core profitability despite portfolio tweaks. Buybacks accelerate.
8-K
Adopts executive CiC severance plan
Payoneer Global adopted a Change in Control Severance Plan on November 28, 2025, for executives excluding CEO and CFO. It offers lump-sum cash equal to annual salary plus target bonus, 12 months of COBRA benefits at active rates, and accelerated vesting of time-based equity upon qualifying termination during the CiC period. Existing agreements govern CEO and CFO. Plan requires release execution.
8-K
Record Q3 revenue, raised guidance
Payoneer posted record Q3 revenue of $270.9M, up 9% YoY, with revenue ex. interest soaring 15% to $211.4M on 9% volume growth and SMB take rate expansion. Adjusted EBITDA hit $71.3M, up 3%. Raised 2025 guidance to $1.05B-$1.07B revenue, $270M-$275M Adjusted EBITDA. Repurchases accelerated to $94M YTD.
10-Q
Q3 FY2025 results
Payoneer posted Q3 revenues of $270.9M, up 9% y/y from $248.3M, with operating income steady at $36.3M versus $35.2M while diluted EPS fell to $0.04 from $0.11 on higher taxes. Gross margins held firm as transaction costs rose 12% y/y to match volume growth, fueled by B2B SMBs and high-take-rate regions like Greater China (34% of revenue). Cash from operations hit $178.6M YTD, funding $94M stock repurchases; balance sheet shows $479M cash, no debt. April's PayEco buy closed for $76M cash (license intangible $97M, deferred payments due 12/24 months), bolstering China ops. Stock comp weighs on net versus operating profitability. Geopolitical flare-ups shadow cross-border flows.
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