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55

PAYO

💻 Technology

Payoneer Global Inc.

Conservative #419Aggressive #703Moderate RiskHigh 100
$5.24+4.17%
Day High$5.30
Day Low$5.13
Volume3.8M
Mkt Cap$1.9B
52W Low $552W High $10
Market Cap
$1.9B
P/E Ratio
27.5
Sector avg: 87.8
Rev Growth
17.6%
Sector avg: 14.8%
Earnings Growth
29.8%
Profit Margin
7.0%
Sector avg: -110.0%
Debt/Equity
0.07

Why This Score

PAYO scores 55.2 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Strengths
  • Minimal leverage (D/E 0.07) provides financial flexibility and downside protection.
  • High conviction (100/100) — fundamental and ML signals agree on this stock.
Risk Factors
  • Liquidity concern: Limited trading volume or float results in a 2-point penalty for execution risk.

Minor adjustments (-2.0 points) applied. PAYO's rank of #419 primarily reflects its factor profile relative to the conservative weight vector.

Score Breakdown

Overall Score55.2
Fundamental Score56.3
ML Score41.0

Score by Horizon

3 Month
71.5
6 Month
80.0
Primary
1 Year
84.2

Quality Assessment

B
Earnings Grade
Solid fundamentals with minor quality concerns
Quality Flags
High accrual ratio (-210.2%) — earnings quality concern

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
0
Declining
Sentiment (2.5%)
28
Negative
Analyst (6.4%)
50
Neutral
Tradability (post-hoc)
75
Grade B
Base
51.2
Factors
+1.1
Conviction
+2.9
Divergence
-0.0
Final
55.2
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)64.0
Technical (Momentum, Weinstein, Volatility)44.0
External (Sentiment, Analyst, Macro)57.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+1.0% to +5.4%
Medium-term
+2.1% to +8.9%
Long-term
+3.2% to +12.4%

ML Model Core Features100 trained inputs → ML Score: 41

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score50.0/100
Target Upside+0.0%
Coverage0 analysts
Market Sentiment
Sentiment Score27.5/100
News Volume1 articles
Technical Stage
Weinstein Stage4 — Declining
12M Momentum-0.4%
6M Momentum-0.2%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration-14.5%
Momentum ConsistencyModerate (0.61)
Relative Strength vs Sector-40.5%
Trend Strength (ADX Proxy)Strong (4.6)
Momentum Quality-0.272
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
11%
Low risk
Sector RevGr Rank
P68
Revenue growth vs Technology peers
Sector PE Rank
P44
Valuation vs Technology peers
Sector FCF Rank
P79
Free cash flow vs Technology peers
Growth Deviation
+0.2σ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 84 relative to sector peers84/100
Machine learning model ranks this stock at the 85th percentileP85
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: -1.6pt (features diverge from model priorities)
Blend: 91% fund (83.8) + 9% ML (85.0) + SHAP(-1.6) = 82.4
Factor quality: +1.4pt (multi-factor composite)
Risk assessment: moderate. Annualized volatility 8.0%. Max drawdown 26% (-7.3 pts). Price momentum -37% (-6.4 pts)Moderate
Market cap adjustment: -8.0 points ($1.9B market cap)-8.0 pts
Conviction bonus: +3.6pt (conviction=100)
Risk Factors
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by -5 pointsGrade B
Quality concern: High accrual ratio (-210.2%) — earnings quality concern; R&D-adjusted ROIC: 7.7% (original: 8.8%). Software - Infrastructure has ~22% R&D intensity. Capitalizing R&D over 5 years increases invested capital by ~55%.Flag

Sector Peer Comparison(Technology — Rank #95 of 289 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
PAYO55.227.517.6%7.0%$1.9B
MPWR84.891.721.2%81.0%$57.1B
ZM84.218.03.1%21.7%$27.7B
NVDA80.645.2114.2%55.8%$4.5T
CRUS79.719.16.0%17.5%$7.4B
ASML77.848.115.6%29.4%$546.0B
IDCC77.431.8-4.0%48.8%$9.7B
CSCO77.127.65.3%18.0%$303.6B
RMBS75.548.320.7%32.3%$11.0B
DBX75.313.91.9%17.7%$6.4B
FSLR75.017.326.7%30.7%$24.2B
SIMO74.79.210.2%13.8%$4.5B
ADI74.374.116.9%20.6%$165.1B
AAPL72.533.16.4%27.0%$3.9T
OLED72.527.012.4%34.3%$5.9B
AMAT72.336.44.4%24.7%$281.7B
Sector Average47.487.814.8%-110.0%

Market Sentimentvia FMP

Analyst Consensus
Buy10 analysts
Buy: 10
Price Target
$7consensus
Low $7Median $7High $7
+33.6% to consensus target

Company Overviewvia FMP

Payoneer Global Inc. operates a payment and commerce-enabling platform that facilitates marketplaces, platforms and online merchants worldwide. It delivers a suite of services that includes cross-border payments, B2B accounts payable/accounts receivable, multi-currency account, physical and virtual Mastercard cards, working capital, merchant, tax, compliance and risk, and others. The company's platform delivers bank-grade security, stability, and redundancy combined with modern digital capabilities that interconnects the world on a single platform. Its cross-border payment solutions support an ecosystem of marketplaces and marketplace sellers to pay their sellers in approximately 190 countries and territories by connecting to Payoneer APIs and for sellers to get paid. The company was founded in 2005 and is based in New York, New York.

CEO
John R. Caplan
Employees
2,407
Beta
1.04
Industry
Software - Infrastructure
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
35.0
Neutral
Trend
Bearish
10-day vs 50-day MA
From 52W High
-49.9%
High: $10.45
From 52W Low
+8.3%
Low: $4.84
Moving Averages
10-Day
$5.40
Below
20-Day
$5.80
Below
50-Day
$5.70
Below
200-Day
$6.20
Below
60-Day Support
$4.84
60-Day Resistance
$6.54
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 4 — DecliningScore: 13/100

Stock is in a downtrend below the 200-day moving average. Price is below both the 50-day and 200-day SMAs, indicating sustained selling pressure.

Unfavorable technical position; wait for Stage 1 basing
Price vs 200 SMA
-15.5%
200 SMA Slope (60d)
-8.47%
Falling
Volume Ratio
0.91x
10d avg vs 50d avg
Days in Stage
17
Confidence: 90%
Recent Gap Up

Financial Statementslast 4 quarters via FMP

MetricQ3 2025Q2 2025Q1 2025Q4 2024
Revenue$271M$261M$247M$262M
Gross Profit$228M$220M$207M$219M
Operating Income$36M$30M$29M$29M
Net Income$14M$19M$21M$18M
EPS (Diluted)$0.04$0.05$0.05$0.05
Gross Margin84.3%84.4%84.0%83.5%
Operating Margin13.4%11.5%11.9%11.2%
Net Margin5.2%7.5%8.3%6.9%

Why This Stock

TechnologyRevenue growth 17.6%Valuation below sector median (P/E 27.5)

Tradability FilterGrade B — 75/100Score impact: +1.3pt

Volume
100
3.7M avg/day
Dollar Vol
77
$18M/day
Float
40
0K shares
Mkt Cap
55
$1.9B
Range
100
114% spread
Composite Liquidity Score75/100
FDCBA

Multi-Year Range Analysis

Sideways: 0/100
YearLowHighRangeStatus
2021$6.06$12.4969.3%Wide
2022$3.33$8.0483%Wide
2023$4.02$7.0554.8%Wide
2024$4.22$11.2991.2%Wide
2025$4.92$11.1977.8%Wide
3-Year Range
95%
Narrow Years
0 / 5
Sideways Penalty
None

Growth Projection Adjustment

0.7x dampening
weinstein basing

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
0.0%
Outstanding Shares
0M
Bid-Ask Spread
114.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.