What is the 13F Pro Quality Score for PAYO?

13F Pro ranks Payoneer Global Inc. (PAYO) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PAYO's current score at https://13fpro.ai/research/PAYO (free sign-up required for the full ranking).

Where does 13F Pro source PAYO data?

All Payoneer Global Inc. fundamentals and ownership data come directly from SEC EDGAR. Payoneer Global Inc. files with the SEC under CIK 1845815. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PAYO in?

Payoneer Global Inc. (PAYO) is classified in the Industrials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/industrials.

How often is PAYO research updated on 13F Pro?

PAYO's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Payoneer Global Inc.(PAYO)Stock Analysis

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13F Pro Quality Score

55.3/100

Rank #1,168 of 2,879 stocksTOP 50%

View Industrials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

76.9/100

Profitability

51.7/100

Balance Sheet

42.1/100

Earnings Quality

25.2/100

Free Cash Flow

83.2/100

Institutional Flow

32.2/100

Revenue Scale

45.4/100

Dilution Risk

21.4/100

PAYO Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Payoneer Global Inc. (PAYO), a Industrials sector company. 13F Pro's AI-powered ranking engine scores PAYO at 55.3/100 on a 32-signal composite quality model, placing it at rank #1,168 of 2,879 stocks — the top half of the AI-ranked universe. PAYO scores in the top quartile across free cash flow (83.2), revenue growth (76.9). Areas of concern include earnings quality (25.2) and institutional flow (32.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 21.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Payoneer Global Inc. reports quarterly revenue of $261.6M, net income of $19.6M, an operating margin of 11.5%. Top institutional holders of PAYO by reported 13-F value include BlackRock,, Technology Crossover Management VIII, Ltd., Susquehanna Capital Management,, based on the most recent SEC filings. PAYO trades on the Nasdaq exchange and files with the SEC under CIK 1845815. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PAYO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Payoneer Global Inc. directly from SEC EDGAR. Payoneer Global Inc.'s 13F Pro composite quality score has ranged between 8 and 74 since 2022, currently 55.3 — an improving long-term trajectory across 52 quarterly and live scoring snapshots.

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Fun facts about Payoneer Global Inc.

Quirks, history, and lore behind PAYO — the kind of stuff that makes a stock memorable.

1
The Basics
A financial technology company listed on Nasdaq, headquartered in New York, serving businesses and freelancers across 190+ countries and territories.
2
The Numbers
Annual revenue in the range of $800 million to $1 billion, processing tens of billions of dollars in cross-border payments each year for millions of customers worldwide.
3
The History
Founded around 2005 and originally backed by PayPal alumni, it was built to solve the specific headache of paying — and getting paid by — clients in completely different countries.
4
The Secret
It's technically classified as Industrials on the exchange, which is a fun way to describe a company whose entire product is moving money across borders without anyone pulling their hair out.
5
The Lore
A favorite of freelancers, e-commerce sellers, and small businesses in emerging markets, it became a lifeline for workers in places where receiving an international wire transfer was previously a bureaucratic nightmare.
6
The Giveaway
Its name blends "pay" with a suffix suggesting a pioneer or trailblazer — and its ticker, PAYO, leaves almost nothing to the imagination.

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Revenue

Q1 2026

$261.6M

Net Income

Q1 2026

$19.6M

Free Cash Flow

Q1 2026

$41.7M

Operating Margin

Q1 2026

11.5%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+7.7% YoY

$1.05BFY 2025

FY21 $473.4MFY22 $627.6MFY24 $977.7MFY25 $1.05B

Net Income

-39.6% YoY

$73.2MFY 2025

FY21 $-34.0MFY22 $-12.0MFY24 $121.2MFY25 $73.2M

Operating Income

-16.3% YoY

$124.7MFY 2025

FY21 $-30.2MFY22 $-22.2MFY24 $149.0MFY25 $124.7M

EPS (Diluted)

-38.7% YoY

$0.19FY 2025

FY21 $-0.33FY22 $-0.03FY24 $0.31FY25 $0.19

Total Assets

+12.9% YoY

$8.96BFY 2025

FY21 $5.08BFY22 $6.59BFY24 $7.93BFY25 $8.96B

Total Debt

—FY 2025

FY21 $13.7MFY22 $16.1MFY24 —FY25 —

Op. Cash Flow

+32.0% YoY

$233.5MFY 2025

FY21 $20.0MFY22 $84.0MFY24 $176.9MFY25 $233.5M

Metric	FY 2025	FY 2024	FY 2022	FY 2021	FY 2020	FY 2019
Revenue	$1.05B +7.7%	$977.7M +55.8%	$627.6M +32.6%	$473.4M +37.0%	$345.6M +8.8%	$317.8M
Net Income	$73.2M -39.6%	$121.2M +1112.2%	$-12.0M +64.8%	$-34.0M -43.1%	$-23.7M -3699.4%	$-625.0K
Operating Income	$124.7M -16.3%	$149.0M +770.9%	$-22.2M +26.5%	$-30.2M -74.7%	$-17.3M -575.0%	$3.6M
EPS (Diluted)	$0.19 -38.7%	$0.31 +1133.3%	$-0.03 +90.9%	$-0.33 +58.8%	$-0.80 -142.4%	$-0.33
Total Assets	$8.96B +12.9%	$7.93B +20.3%	$6.59B +29.8%	$5.08B +38.4%	$3.67B	—
Total Debt	—	—	$16.1M +18.1%	$13.7M -65.9%	$40.0M	—
Operating Cash Flow	$233.5M +32.0%	$176.9M +110.7%	$84.0M +319.5%	$20.0M +110.1%	$9.5M +166.6%	$-14.3M

AI Insight: PAYO Financial Trends

Payoneer's revenue grew 9% year-over-year to $262M in Q1 2026, but net income and operating income remain range-bound, signaling margin stagnation.

• Revenue rose from $240M in Q2 2024 to $275M in Q4 2025, a ~15% gain, though Q1 2026 dipped sequentially to $262M.

• Operating income has ranged narrowly from $29M to $46M across all eight quarters, showing no meaningful expansion trend.

• Net income declined from a peak of $42M in Q3 2024 to $14M in Q3 2025, recovering only modestly to $20M in Q1 2026.

• Operating cash flow strengthened from $41M in Q2 2024 to $71M in Q2 2025, though it has since pulled back to $52M in Q1 2026.

⚠ Equity contracted from $771M in Q2 2025 to $659M in Q1 2026 — a $112M decline across three quarters, worth monitoring.

⚠ Net income compression — down from $42M in Q3 2024 to $14M–$21M range recently — suggests rising costs offsetting revenue growth.

⚠ No debt reported across any quarter; continued absence of leverage keeps balance-sheet risk low but limits capital-structure visibility.

AI Insight: PAYO Ratio Trends

Profitability has structurally reset lower since Q2–Q3 2024 peaks, with ROIC and operating margin failing to recover despite modest Q1 2026 stabilization.

• Operating margin fell sharply from 19.3% in Q2 2024 to a range of 10.5%–13.4% across Q4 2024–Q1 2026, a sustained step-down.

• ROIC contracted from 27.7% in Q2 2024 to 18.2% in Q1 2026, a nearly 10pp decline over five quarters.

• ROE partially recovered to 11.9% in Q1 2026 from a trough of 7.5% in Q3 2025, suggesting modest sequential improvement.

⚠ NPM dropped to 5.2% in Q3 2025 — lowest in the dataset — before rebounding to 7.5% in Q1 2026; sustainability is unproven.

⚠ ROA has flatlined at 0.7%–1.1% since Q4 2024, well below the 2.4% peak in Q3 2024, signaling persistent asset-efficiency pressure.

⚠ D/E data is absent across all periods, leaving leverage and balance-sheet risk entirely unquantifiable from this dataset.

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Available Research

13F Pro tracks comprehensive data for Payoneer Global Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PAYO

BlackRock, Inc.
$193.1M39,974,156 sh
Technology Crossover Management VIII, Ltd.
$165.2M34,197,116 sh
Susquehanna Capital Management, LLC
$99.2M20,546,965 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$71.1M14,730,702 sh
BNP Paribas Asset Management Holding S.A.
$66.3M13,734,583 sh
VANGUARD CAPITAL MANAGEMENT LLC
$60.6M12,543,777 sh
STATE STREET CORP
$52.8M10,932,799 sh
AMERICAN CENTURY COMPANIES INC
$36.9M7,648,738 sh
DIMENSIONAL FUND ADVISORS LP
$36.4M7,544,420 sh
GEODE CAPITAL MANAGEMENT, LLC
$34.5M7,149,407 sh

Fund	Value	Shares
BlackRock, Inc.	$193.1M	39,974,156
Technology Crossover Management VIII, Ltd.	$165.2M	34,197,116
Susquehanna Capital Management, LLC	$99.2M	20,546,965
VANGUARD PORTFOLIO MANAGEMENT LLC	$71.1M	14,730,702
BNP Paribas Asset Management Holding S.A.	$66.3M	13,734,583
VANGUARD CAPITAL MANAGEMENT LLC	$60.6M	12,543,777
STATE STREET CORP	$52.8M	10,932,799
AMERICAN CENTURY COMPANIES INC	$36.9M	7,648,738
DIMENSIONAL FUND ADVISORS LP	$36.4M	7,544,420
GEODE CAPITAL MANAGEMENT, LLC	$34.5M	7,149,407

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Is PAYO a good stock to buy?

13F Pro's AI-powered analysis of Payoneer Global Inc. (PAYO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Industrials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PAYO are available on the PAYO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own PAYO?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PAYO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Payoneer Global Inc.'s investment landscape.