Payoneer Shares Decline Even After Increasing FY25 Sales Forecast
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 05 2025
0mins
Should l Buy PAYO?
Source: Benzinga
Q3 Financial Results: Payoneer reported mixed Q3 results, with earnings per share of 4 cents, missing estimates of 6 cents, while revenue of $270.85 million exceeded expectations of $263.37 million.
Fiscal Year 2025 Guidance: The company raised its fiscal year 2025 sales guidance to between $1.05 billion and $1.07 billion, aligning with the consensus estimate of $1.05 billion.
Revenue Growth: Revenue excluding interest income grew 15% year-over-year, driven by a 9% increase in volume and higher take rates, with SMB revenue rising 17% to $192 million.
Stock Performance: Following the earnings report, Payoneer shares fell 10.19% to $5.20, despite CEO John Caplan highlighting a record revenue quarter and consistent growth in average revenue per user (ARPU).
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Analyst Views on PAYO
Wall Street analysts forecast PAYO stock price to rise
7 Analyst Rating
6 Buy
1 Hold
0 Sell
Strong Buy
Current: 5.380
Low
7.00
Averages
8.30
High
10.00
Current: 5.380
Low
7.00
Averages
8.30
High
10.00
About PAYO
Payoneer Global Inc. is a financial technology company that helps small and medium-sized businesses (SMBs) to transact, do business, and grow globally. The Company's financial stack provides a suite of cross-border accounts receivable (AR) and accounts payable (AP) capabilities, including multicurrency account capabilities, and includes services such as working capital and funds management. Its customers include goods exporters selling cross-border to consumers and other businesses, services companies exporting their capabilities to international clients, independent professionals, creators, contractors, and business owners capitalizing on the digitization of the workplace and remote work, vacation rental hosts, and others. Its customers sell their goods or services either via a marketplace or directly to other businesses (B2B), and/or to customers via webstores. The Company serves SMBs located in more than 190 countries and territories and operating in a variety of industries.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Payoneer to Report Q4 and Full Year 2025 Financial Results on February 26
- Earnings Release Schedule: Payoneer Global Inc. will report its Q4 and Full Year 2025 financial results on February 26, 2026, before market opening, providing investors with crucial financial data and insights into business developments.
- Management Conference Call: At 8:30 a.m. Eastern Time on the same day, senior management will host a conference call and earnings webcast to discuss the financial results in detail, enhancing transparency and boosting investor confidence.
- Investor Relations Platform: The live webcast and replay of the earnings call will be available on Payoneer's Investor Relations website, ensuring all investors can access relevant information and fostering better communication with stakeholders.
- Global Business Support: As a financial platform for cross-border business and global payments, Payoneer is committed to providing essential financial tools for SMBs in emerging markets, helping them integrate into the global economy and drive business growth.
See More
PAYO Stock 52-Week High and Low Analysis
- Price Fluctuation Analysis: PAYO's 52-week low is $4.915 per share, while the high is $11.19, with the last trade at $6.40, indicating significant price volatility and reflecting market caution regarding its future performance.
- Market Trend Observation: PAYO is trading above its 200-day moving average, suggesting a potential upward trend in the short term, prompting investors to monitor market sentiment for possible investment opportunities.
- Investor Sentiment: Although the current stock price is below the 52-week high, it remains above the low, indicating some market confidence that may attract investors looking for low-entry opportunities.
- Technical Analysis Guidance: Analysts recommend paying attention to PAYO's price movements in relation to the 200-day moving average to assess future price trends and investment value.
See More
Payoneer India Receives Approval as Cross-Border Payment Aggregator, Enhancing SMB Global Reach
- Regulatory Approval: Payoneer India has received in-principle approval from the Reserve Bank of India to operate as a cross-border payment aggregator, facilitating both inbound and outbound transactions, which signifies a strengthened regulatory foundation in the Indian market.
- Market Commitment: Tsafi Goldman, Chief Legal and Governance Officer, stated that this authorization reflects Payoneer's long-term commitment to India, aiming to empower SMBs to scale globally through its regulated platform.
- Team Expansion: Payoneer is expanding its team on the ground in India, continuing to invest in the region to enhance its market presence and support local businesses in their international endeavors.
- Growth Potential: This approval will enable Payoneer to serve Indian SMBs more effectively, expected to enhance its competitiveness and drive business growth in the global payments market.
See More
Payoneer Receives RBI Authorization as Payment Aggregator, Enhancing SMB Cross-Border Transactions
- Regulatory Milestone: Payoneer has received in-principle authorization from the Reserve Bank of India to operate as a Payment Aggregator, marking a significant step in expanding its operations in India and enhancing its market presence.
- Expanded Service Range: This authorization enables Payoneer to provide comprehensive cross-border payment solutions for Indian SMBs, facilitating both inward and outward transactions, which is expected to support India's export economy projected to exceed $850 billion in 2026.
- Growing Customer Base: Over the past 12 months, Payoneer has served nearly two million active customers and processed over $80 billion in transaction volume, demonstrating its strong influence and trust in the global market.
- Localized Support: With around 100 dedicated customer success managers across 35 countries fluent in more than 20 languages, Payoneer aims to build strong local relationships to help SMBs grow globally.
See More
Payoneer Receives RBI Authorization as Payment Aggregator, Enhancing SMB Cross-Border Transactions
- Regulatory Milestone: Payoneer has received in-principle authorization from the Reserve Bank of India to operate as a Payment Aggregator, marking a significant expansion in its Indian operations and enhancing cross-border transaction capabilities for SMBs, facilitating their global growth.
- Market Commitment: The CEO of Payoneer highlighted that this authorization reflects over a decade of presence in India and support for the country's export economy, which is projected to exceed $850 billion in 2026, indicating a strategic positioning in this growth market.
- Product Diversification: With the PA-CB authorization, Payoneer will offer a broader range of products to Indian SMBs, including accounts payable features, streamlining onboarding and KYC processes, thereby enhancing customer experience and competitive edge in the market.
- Global Network Support: Serving nearly two million active customers across over 190 countries, Payoneer processed over $80 billion in transaction volume in the past 12 months, further solidifying its global business foundation through partnerships with nearly 100 banking and payment service providers.
See More
Payoneer Acquires Boundless to Expand Global Workforce Solutions
- Strategic Acquisition: Payoneer has acquired Ireland-based Boundless, enhancing its global fintech platform to provide a more comprehensive financial stack for cross-border SMBs, thereby increasing its competitiveness in the international market.
- Market Expansion: This acquisition expands Payoneer's footprint in Europe, with Boundless's EOR platform enabling businesses to easily manage cross-border payroll, taxes, and compliance, thereby improving international hiring efficiency for clients.
- Enhanced Service Capabilities: By integrating Boundless, the Payoneer Workforce Management team is better positioned to navigate the complexities of global talent management, helping businesses comply with evolving labor regulations while managing global teams effectively.
- Industry Trend Response: Payoneer CEO John Caplan noted that the global talent landscape is rapidly changing, and this acquisition will enable Payoneer to assist businesses in effectively addressing challenges posed by new visa policies and labor regulations, driving international business growth.
See More
Payoneer to Report Q4 and Full Year 2025 Financial Results on February 26
- Earnings Release Schedule: Payoneer Global Inc. will report its Q4 and Full Year 2025 financial results on February 26, 2026, before market opening, providing investors with crucial financial data and insights into business developments.
- Management Conference Call: At 8:30 a.m. Eastern Time on the same day, senior management will host a conference call and earnings webcast to discuss the financial results in detail, enhancing transparency and boosting investor confidence.
- Investor Relations Platform: The live webcast and replay of the earnings call will be available on Payoneer's Investor Relations website, ensuring all investors can access relevant information and fostering better communication with stakeholders.
- Global Business Support: As a financial platform for cross-border business and global payments, Payoneer is committed to providing essential financial tools for SMBs in emerging markets, helping them integrate into the global economy and drive business growth.
See More
PAYO Stock 52-Week High and Low Analysis
- Price Fluctuation Analysis: PAYO's 52-week low is $4.915 per share, while the high is $11.19, with the last trade at $6.40, indicating significant price volatility and reflecting market caution regarding its future performance.
- Market Trend Observation: PAYO is trading above its 200-day moving average, suggesting a potential upward trend in the short term, prompting investors to monitor market sentiment for possible investment opportunities.
- Investor Sentiment: Although the current stock price is below the 52-week high, it remains above the low, indicating some market confidence that may attract investors looking for low-entry opportunities.
- Technical Analysis Guidance: Analysts recommend paying attention to PAYO's price movements in relation to the 200-day moving average to assess future price trends and investment value.
See More
Payoneer India Receives Approval as Cross-Border Payment Aggregator, Enhancing SMB Global Reach
- Regulatory Approval: Payoneer India has received in-principle approval from the Reserve Bank of India to operate as a cross-border payment aggregator, facilitating both inbound and outbound transactions, which signifies a strengthened regulatory foundation in the Indian market.
- Market Commitment: Tsafi Goldman, Chief Legal and Governance Officer, stated that this authorization reflects Payoneer's long-term commitment to India, aiming to empower SMBs to scale globally through its regulated platform.
- Team Expansion: Payoneer is expanding its team on the ground in India, continuing to invest in the region to enhance its market presence and support local businesses in their international endeavors.
- Growth Potential: This approval will enable Payoneer to serve Indian SMBs more effectively, expected to enhance its competitiveness and drive business growth in the global payments market.
See More
Payoneer Receives RBI Authorization as Payment Aggregator, Enhancing SMB Cross-Border Transactions
- Regulatory Milestone: Payoneer has received in-principle authorization from the Reserve Bank of India to operate as a Payment Aggregator, marking a significant step in expanding its operations in India and enhancing its market presence.
- Expanded Service Range: This authorization enables Payoneer to provide comprehensive cross-border payment solutions for Indian SMBs, facilitating both inward and outward transactions, which is expected to support India's export economy projected to exceed $850 billion in 2026.
- Growing Customer Base: Over the past 12 months, Payoneer has served nearly two million active customers and processed over $80 billion in transaction volume, demonstrating its strong influence and trust in the global market.
- Localized Support: With around 100 dedicated customer success managers across 35 countries fluent in more than 20 languages, Payoneer aims to build strong local relationships to help SMBs grow globally.
See More
Payoneer Receives RBI Authorization as Payment Aggregator, Enhancing SMB Cross-Border Transactions
- Regulatory Milestone: Payoneer has received in-principle authorization from the Reserve Bank of India to operate as a Payment Aggregator, marking a significant expansion in its Indian operations and enhancing cross-border transaction capabilities for SMBs, facilitating their global growth.
- Market Commitment: The CEO of Payoneer highlighted that this authorization reflects over a decade of presence in India and support for the country's export economy, which is projected to exceed $850 billion in 2026, indicating a strategic positioning in this growth market.
- Product Diversification: With the PA-CB authorization, Payoneer will offer a broader range of products to Indian SMBs, including accounts payable features, streamlining onboarding and KYC processes, thereby enhancing customer experience and competitive edge in the market.
- Global Network Support: Serving nearly two million active customers across over 190 countries, Payoneer processed over $80 billion in transaction volume in the past 12 months, further solidifying its global business foundation through partnerships with nearly 100 banking and payment service providers.
See More
Payoneer Acquires Boundless to Expand Global Workforce Solutions
- Strategic Acquisition: Payoneer has acquired Ireland-based Boundless, enhancing its global fintech platform to provide a more comprehensive financial stack for cross-border SMBs, thereby increasing its competitiveness in the international market.
- Market Expansion: This acquisition expands Payoneer's footprint in Europe, with Boundless's EOR platform enabling businesses to easily manage cross-border payroll, taxes, and compliance, thereby improving international hiring efficiency for clients.
- Enhanced Service Capabilities: By integrating Boundless, the Payoneer Workforce Management team is better positioned to navigate the complexities of global talent management, helping businesses comply with evolving labor regulations while managing global teams effectively.
- Industry Trend Response: Payoneer CEO John Caplan noted that the global talent landscape is rapidly changing, and this acquisition will enable Payoneer to assist businesses in effectively addressing challenges posed by new visa policies and labor regulations, driving international business growth.
See More
