Earnings summaries and quarterly performance for Payoneer Global.
Executive leadership at Payoneer Global.
Board of directors at Payoneer Global.
Research analysts who have asked questions during Payoneer Global earnings calls.
SS
Sanjay Sakhrani
Keefe, Bruyette & Woods (KBW)
6 questions for PAYO
Also covers: ALLY, AVDX, AXP +19 more
CK
Cristopher Kennedy
William Blair & Company
5 questions for PAYO
Also covers: ALKT, AXP, CTLP +14 more
Daniel Krebs
Wolfe Research
3 questions for PAYO
Also covers: EEFT, WEX
Trevor Williams
Jefferies LLC
3 questions for PAYO
Also covers: ACIW, CPAY, FIS +8 more
WN
William Nance
The Goldman Sachs Group, Inc.
3 questions for PAYO
Also covers: AFRM, AMTD, AVDX +20 more
Mayank Tandon
Needham & Company, LLC
2 questions for PAYO
Also covers: AGYS, ALKT, EVER +5 more
TH
Tien-tsin Huang
JPMorgan Chase & Co.
2 questions for PAYO
Also covers: ACN, ADP, ALIT +27 more
CK
Christopher Kennedy
William Blair & Company LLC
1 question for PAYO
Also covers: EEFT, EVTC, JKHY
CS
Christopher Svensson
Deutsche Bank AG
1 question for PAYO
Also covers: EVTC, FLYW, PAGS +2 more
DP
Darrin Peller
Wolfe Research, LLC
1 question for PAYO
Also covers: ACN, ADYYF, AFRM +28 more
MG
Mike Grondahl
Lake Street Capital Markets
1 question for PAYO
Also covers: ABL, ACCS, APLD +37 more
NS
Nate Svensson
Deutsche Bank
1 question for PAYO
Also covers: AFRM, BILL, CPAY +10 more
SJ
Spencer James
Jefferies
1 question for PAYO
Also covers: PSFE
Will Nance
Goldman Sachs
1 question for PAYO
Also covers: AFRM, AMTD, CHYM +19 more
Recent press releases and 8-K filings for PAYO.
Payoneer Global Reports Record Q4 2025 Results and Provides Strong 2026 Guidance
PAYO
Earnings
Guidance Update
Share Buyback
- Payoneer Global reported record quarterly revenue of $275 million in Q4 2025, contributing to $40 million in Adjusted EBITDA ex-interest for the full year, a significant increase from negative $25 million in 2023.
- For 2026, the company projects revenue between $1,090 million and $1,130 million, with revenue ex-interest expected to grow 12% at the midpoint to between $900 million and $940 million.
- Payoneer anticipates more than doubling its core Adjusted EBITDA ex-interest to $90 million at the midpoint in 2026, despite a 300 basis point headwind from optimizing its checkout business and customer portfolio.
- Strategic initiatives include an AI-first strategy, an upmarket customer focus, and investments in stablecoin capabilities and a US bank charter application.
- The company generated $146 million in free cash flow in 2025 and repurchased $80 million of shares in Q4 2025, with plans to utilize the remaining $192 million share repurchase authorization in 2026.
1 day ago
Payoneer Global Announces Q4 2025 Results and 2026 Guidance
PAYO
Earnings
Guidance Update
Share Buyback
- Payoneer Global reported $1,053 million in revenue and $271.662 million in Adjusted EBITDA for the full year 2025. For Q4 2025, revenue was $275 million and Adjusted EBITDA was $69 million.
- The company provided 2026 full-year guidance, with projected revenue between $1,090 million and $1,130 million and Adjusted EBITDA between $275 million and $285 million.
- As of December 31, 2025, Payoneer managed $87.5 billion in volume and $7.9 billion in customer funds, maintaining a 26% 3-year average Adjusted EBITDA margin and 100%+ 3-year average Free Cash Flow conversion.
- Payoneer ended 2025 with a strong balance sheet, including $416 million in net balance sheet cash, and conducted $175 million in share repurchases during the year.
1 day ago
Payoneer Global Reports Record Q4 and Full-Year 2025 Results, Provides Strong 2026 Guidance
PAYO
Earnings
Guidance Update
Share Buyback
- Payoneer Global reported record quarterly revenue of $275 million for Q4 2025 and $272 million in Adjusted EBITDA for the full year 2025, with revenue ex-interest growing 14%.
- The company provided strong 2026 guidance, projecting revenue between $1,090 million and $1,130 million and Adjusted EBITDA, excluding interest income, between $85 million and $95 million, which is more than double the 2025 level.
- Strategic initiatives include an AI-first strategy for efficiency and a shift to focus on upmarket customers, who contributed 42% of revenue in Q4 2025, alongside new stablecoin capabilities and a bank charter application.
- Payoneer repurchased $175 million of shares in 2025, including $80 million in Q4, and intends to use the remaining $192 million share repurchase authorization in 2026.
1 day ago
Payoneer Global Reports Record Q4 2025 Results, Provides Strong 2026 Guidance, and Outlines Strategic Initiatives
PAYO
Earnings
Guidance Update
New Projects/Investments
- Payoneer reported record Q4 2025 revenue of $275 million and full-year 2025 revenue ex-interest growth of 14%, with B2B revenue growing 28%. Full-year Adjusted EBITDA ex-interest reached $40 million, nearly triple the 2024 figure.
- For 2026, Payoneer provided guidance of revenue between $1,090 million and $1,130 million, with revenue ex-interest projected to be between $900 million and $940 million, representing 12% growth at the midpoint. Adjusted EBITDA ex-interest is expected to more than double to between $85 million and $95 million.
- The company is implementing an AI-first strategy and focusing on moving upmarket to larger customers, which is expected to drive higher margins and a stronger customer portfolio, despite a 300 basis point headwind to 2026 revenue growth from optimizing its checkout business and customer portfolio.
- Strategic initiatives include launching stablecoin capabilities and applying to establish an uninsured national trust bank in the U.S. to integrate stablecoins. Payoneer also repurchased $80 million of shares in Q4 2025 and plans to use the remaining $192 million authorization in 2026.
1 day ago
Payoneer Reports Q4 and Full Year 2025 Financial Results
PAYO
Earnings
Guidance Update
M&A
- Payoneer reported full-year 2025 revenue of $1,052.8 million and net income of $73.2 million, with revenue excluding interest income increasing 14% to $821.2 million. For Q4 2025, revenue was $274.7 million and net income was $19.0 million.
- The company provided 2026 guidance, projecting revenue between $1,090 million and $1,130 million and Adjusted EBITDA between $275 million and $285 million.
- Payoneer repurchased $175 million of shares in 2025, including $80 million in Q4 2025.
- Key strategic developments include the acquisition of Boundless for $13 million in January 2026, receiving in-principle Payment Aggregator-Cross Border (PA-CB) authorization in India, and announcing plans to launch stablecoin capabilities.
1 day ago
Payoneer Files Application for U.S. National Trust Bank Charter
PAYO
New Projects/Investments
- Payoneer (NASDAQ: PAYO) has filed an application with the Office of the Comptroller of the Currency (OCC) to establish PAYO Digital Bank, N.A., a national trust bank.
- This initiative aims to integrate stablecoin capabilities into Payoneer's global payments ecosystem, supporting stablecoin-enabled infrastructure for its nearly two million global business customers.
- If approved, PAYO Digital Bank would enable customers to send and receive stablecoins, issue PAYO-USD, manage reserves, offer custodial services, and facilitate seamless conversion between stablecoins and local currencies.
- The filing leverages the new federal framework for stablecoins created by the GENIUS Act and is expected to advance the use of the USD in global trade.
4 days ago
Payoneer Discusses Q4 Trends, Strategic Shift to Upmarket, and Stablecoin Plans
PAYO
Revenue Acceleration/Inflection
New Projects/Investments
Demand Weakening
- Payoneer observed soft marketplace volumes in Q4 intra-quarter trends, similar to November, but saw acceleration in B2B volumes (expected high teens in Q4, up from 11% in Q3) and strong travel spend.
- The company is strategically shifting towards larger, upmarket customers (over $250,000 GMV per month), which currently account for approximately 30% of core revenue and 50% of B2B revenue, leading to higher product attach rates and improved retention.
- Average Revenue Per User (ARPU) (excluding flow income) grew 22% in Q3 and has increased by over 20% for five consecutive quarters.
- Payoneer is driving take-rate expansion through increased adoption of higher take-rate products like its card product (approximately 3% take-rate) and growth in regions like LATAM and APAC, where take-rates are 2-3% compared to the 1.2% aggregate.
- Payoneer plans to launch stablecoin wallet functionality in early 2026, viewing it as a key innovation in cross-border payments to solve the "last-mile challenge".
Dec 3, 2025, 5:15 PM
Payoneer Updates on Q4 Trends, Strategic Growth, and 2026 Stablecoin Launch
PAYO
Guidance Update
Revenue Acceleration/Inflection
New Projects/Investments
- Payoneer is performing in line with its medium-term targets of mid-teens revenue growth and Adjusted EBITDA margins above 25%, despite a volatile macro environment.
- For Q4, the company noted soft marketplace volumes similar to October, but its B2B franchise volumes accelerated in recent months, projected to be in the high teens for the quarter, up from 11% in Q3.
- The strategy to move upmarket is successful, with customers generating over $250,000 GMV per month accounting for approximately 30% of core revenue and 50% of B2B revenue, demonstrating higher product attach rates and improved retention.
- Payoneer's card product saw $6 billion in usage over the last 12 months and 19% volume growth in Q3, benefiting from a multi-currency model that enables 30%-40% cross-border usage on its U.S.-issued card, leading to higher yields.
- The company plans to launch a stablecoin wallet functionality in early 2026 to integrate stablecoins into its payment ecosystem and address the "last-mile challenge" for customers.
Dec 3, 2025, 5:15 PM
Payoneer Reports Record Q3 2025 Results and Raises Full-Year Guidance
PAYO
Earnings
Guidance Update
Share Buyback
- Payoneer reported record Q3 2025 revenue of $271 million, up 9% year-over-year, with revenue excluding interest income reaching $211 million, up 15% year-over-year.
- The company raised its full-year 2025 guidance, expecting total revenue between $1,050 million and $1,070 million and adjusted EBITDA between $270 million and $275 million, representing a 26% margin at the midpoint.
- Customer funds held on the platform grew 17% year-over-year to $7.1 billion in Q3 2025, and Payoneer has secured approximately $120 million of 2026 interest income through hedging programs.
- Payoneer is strategically focusing on larger, more complex customers, which has driven ARPU up 65% since Q1 2023 to over $470, and B2B revenue grew 27% in Q3, now representing roughly 30% of revenue excluding interest.
- During Q3 2025, Payoneer repurchased approximately $45 million of shares at a weighted average price of $6.73, with approximately $273 million remaining on its share repurchase authorization.
Nov 5, 2025, 1:30 PM
Payoneer Reports Third Quarter 2025 Financial Results
PAYO
Earnings
Guidance Update
- Payoneer Global Inc. reported Q3 2025 revenue of $270.9 million, an increase of 9% year-over-year.
- Revenue excluding interest income for Q3 2025 was $211.4 million, growing 15% year-over-year.
- Net income for Q3 2025 was $14.1 million, a (66)% decrease year-over-year, while Adjusted EBITDA increased 3% year-over-year to $71.3 million.
- The company's volume for Q3 2025 reached $22.3 billion, a 9% year-over-year increase.
- Payoneer is increasing its 2025 guidance, with expected revenue between $1,050 million and $1,070 million and Adjusted EBITDA between $270 million and $275 million.
Nov 5, 2025, 12:35 PM
Quarterly earnings call transcripts for Payoneer Global.
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