# Payoneer Global Inc. (PAYO) · Edgar & Edgarette company card

> Payoneer Global (PAYO) grew revenue 7.7% in FY2025 to $1.1 billion, operating margin 11.8% against a 7.9% median for business services, equity 7.9% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1845815 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/PAYO) · [JSON](https://www.pops4.com/boards/company/PAYO.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $1.1B |
| Revenue growth, 1 year | 7.7% |
| Revenue growth per year | 22.1% |
| Operating margin | 11.8% (prior year 15.2%) |
| Net margin | 7.0% |
| Operating cash flow | $233M |
| Capital spending | $27M |
| Free cash flow | $207M |
| Cash | $416M |
| Long-term debt | — |
| Total assets | $9.0B |
| Total equity | $704M |
| Equity ÷ assets | 7.9% |
| Return on equity | 10.4% |
| Dividend per share | — |
| Dividend years rising | — |

## Readings, computed from those figures

- Altman Z: 0.27 (distress zone)
- Piotroski F: 6 of 9 (solid)
- Health Harbor boat: New ship · no warning signs
- Cash Compass: Cash cow later · growing fast, and already turning revenue into cash

## Edgarette's reading

Exposure: revenue $1.1B (FY2025). Experience: revenue up 7.7% on the year, up 22.1% a year over 4 years; operating margin 11.8%, down from 15.2%. Soundness: equity 7.9% of assets, return on equity 10.4%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $1.0B and $1.3B next year (method v4.1: its own 4-year record of growth weighed at 50% against $1B–10B filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $919.3M to $1.5B. A statistical range, not company guidance. Against peers (70 filers, $50M+ revenue, services-business services, nec): operating margin 11.8% against a 7.9% median; growth 7.7% against 10.2%.

Range logged 2026-09-29, receipt b2060f38d6d1d86b, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 2, latest 2026-10-08 ([filing](https://www.sec.gov/Archives/edgar/data/1845815/000095010326015392/0000950103-26-015392-index.htm))

## Recent filings

- 8-K · filed 2026-10-08 · 5.02 Departure or Election of Directors; Appointment of Officers · [filing](https://www.sec.gov/Archives/edgar/data/1845815/000095010326015392/0000950103-26-015392-index.htm)
- 8-K · filed 2026-09-14 · 5.07 Submission of Matters to a Vote of Security Holders · [filing](https://www.sec.gov/Archives/edgar/data/1845815/000095010326013916/0000950103-26-013916-index.htm)
- 8-K · filed 2026-09-08 · 8.01 Other Events · [filing](https://www.sec.gov/Archives/edgar/data/1845815/000095010326013665/0000950103-26-013665-index.htm)
- 10-Q · filed 2026-08-06 · [filing](https://www.sec.gov/Archives/edgar/data/1845815/000110465926091988/0001104659-26-091988-index.htm)
- 8-K · filed 2026-08-06 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1845815/000110465926091646/0001104659-26-091646-index.htm)
- 8-K · filed 2026-06-15 · 1.01 Entry into a Material Definitive Agreement; 7.01 Regulation FD Disclosure; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1845815/000095010326008945/0000950103-26-008945-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001845815.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1845815

## Cite

POPS4, Edgar & Edgarette: Payoneer Global Inc. (PAYO) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/PAYO. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.