NASDAQ: PAYO · Infrastructure Software
Payoneer Global (PAYO) fair value: undervalued or overvalued?
As of 3 Oct 2026, Faircurve's model values Payoneer Global (PAYO) at $6.13 a share. The stock last closed at $7.15, which puts the model's fair value 14.3% below the price. On the model's bands that reads as Fairly valued.
Revalued . Price is the close of 2 Oct 2026. Payoneer Global Inc.
Faircurve Insights · 3 Oct 2026
Payoneer Global Inc. provides a foundational digital platform that empowers global commerce and payment processing for marketplaces, various online platforms, and e-commerce merchants worldwide. The company is in Technology, Infrastructure Software.
Faircurve's model valued the company on 3 Oct 2026, giving a fair value of $6.13 a share, which is the midpoint of 2,000 simulations. This is a -1.4% move from the previous run on 26 Sep 2026, which gave $6.22. The calibrated range over 63 trading days is $5.11 to $7.43, built from the fair value and calibrated weekly against realised prices, since there is no live options data for the stock. This range held the price 60% of the time at this horizon, over 4,809 past valuations refreshed on 3 Oct 2026. The evidence grade is Medium.
The company's overall quality score is 63 out of 100 against comparable companies. The model compares it with LiveRamp Holdings, Inc., Teradata Corporation, A10 Networks, Inc., NetScout Systems, Inc., and Progress Software Corporation. The stock has shown a median move of 8.3% around its last 8 earnings reports, ignoring direction.
Written from the figures on this page for the 3 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give PAYO?
The calibrated range for PAYO over 63 trading days is $5.11 to $7.43. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,809 past valuations, refreshed 3 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $4.42 to $8.55. In 35% of the simulations the fair value came out above the price the model ran on.
How does PAYO score on business quality?
Payoneer Global's overall quality score is 63 out of 100. Each factor below is a score against comparable companies, not a percentile of the metric beside it.
| Factor | Score (0 to 100) | Headline measure | Peer median |
|---|---|---|---|
| ProfitabilityReturn on invested capital against the peer group, with a bonus for an improving trend. | 88 | 18.9%ROIC | 9.0% |
| Earnings qualityHow much of reported profit is cash: free cash flow to net income, and the accrual ratio (the share of earnings that is not cash). | 61 | 3.24xFCF / net income | 1.46x |
| Growth qualityTrailing revenue growth, forward growth from consensus, and the direction of analyst estimate revisions. | 59 | 7.7%Revenue growth, trailing | 2.4% |
| Capital disciplineReinvestment efficiency (capital spending per unit of revenue) and net buybacks. | 25 | 9.0%Net buybacks / market value | 13.6% |
| Balance sheetNet debt to EBITDA and interest coverage. | 90 | -1.40xNet debt / EBITDA | 3.16x |
| StabilityDownside volatility of the EBITDA margin over the last five years. | 13 | 6.7 ptsEBITDA margin downside volatility, 5y | 3.2 pts |
How does PAYO compare with similar companies?
The companies in infrastructure software closest to Payoneer Global in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| EEFT Euronet Worldwide, Inc. | $63.50 | $77.04 | +21.3% | Low evidence grade |
| RAMP LiveRamp Holdings, Inc. | $37.65 | $47.59 | +26.4% | Undervalued |
| TDC Teradata Corporation | $30.14 | $33.95 | +12.6% | Fairly valued |
| ATEN A10 Networks, Inc. | $27.63 | $24.72 | -10.5% | Fairly valued |
| NTCT NetScout Systems, Inc. | $40.96 | $41.78 | +2.0% | Fairly valued |
| FOUR Shift4 Payments, Inc. | $36.17 | $42.69 | +18.0% | Low evidence grade |
| PRGS Progress Software Corporation | $36.90 | $46.74 | +26.7% | Undervalued |
| BOX Box, Inc. | $34.49 | $30.86 | -10.5% | Data under review |
All infrastructure software stocks ranked by gap to fair value
When does PAYO report earnings, and how has the stock reacted?
Payoneer Global's next earnings report is scheduled for 4 Nov 2026. Companies can move their dates.
How PAYO moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 8.3%.
| Report date | Two session move |
|---|---|
| 6 Aug 2026 | -0.3% |
| 7 May 2026 | +6.2% |
| 26 Feb 2026 | -17.6% |
| 5 Nov 2025 | -9.0% |
| 6 Aug 2025 | +7.5% |
| 7 May 2025 | -0.9% |
| 27 Feb 2025 | -16.0% |
| 5 Nov 2024 | +21.5% |
Payoneer Global at a glance
Payoneer Global Inc. provides a foundational digital platform that empowers global commerce and payment processing for marketplaces, various online platforms, and e-commerce merchants worldwide.
- Market value
- $2.4B
- Sector
- Technology
- Industry
- Infrastructure Software
- Revenue expected, next twelve months
- $1.2B
- Consensus revenue growth, next fiscal year
- +6.4%
- Analysts with estimates
- 2
- Beta to the US market
- 1.05
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Payoneer Global on the value of the whole business, debt included, against the operating profit analysts expect next year (forward EV/EBITDA), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 26 Sep 2026 the model's fair value for PAYO was $6.22. As of 3 Oct 2026 it is $6.13, a change of -1.4%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Payoneer Global's valuation
Is Payoneer Global stock undervalued or overvalued?
On Faircurve's model, PAYO reads as Fairly valued as of 3 Oct 2026. The model's fair value is $6.13 a share against a last close of $7.15, a gap of -14.3%.
What is PAYO's fair value?
$6.13 a share as of 3 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $4.42 to $8.55.
What price range does the model give PAYO?
$5.11 to $7.43 over 63 trading days. Ranges built this way held the price 60% of the time across 4,809 past valuations, refreshed 3 Oct 2026.
When does Payoneer Global report earnings next?
The next report is scheduled for 4 Nov 2026. Companies can move their dates.
How much has PAYO moved on past earnings reports?
Across its last 8 reports the median two session move was 8.3%, ignoring direction. The largest was +21.5% around the report of 5 Nov 2024.
How confident is the model in this valuation?
The model's evidence grade for PAYO is medium. The grade looks at how complete the inputs are, how many comparable companies there are and how closely they agree, and how wide the range of outcomes is. It is not a probability that the fair value is right, or that the price reaches it.