COMP <GO>
PAYO vs CBZ // 10Y YIELD & FRED MACRO BETA
Payoneer Global Inc. (NASDAQ) VS. CBIZ Inc. (NYSE) • 15-METRIC TALLY: PAYO 5
— CBZ 6
■ METRIC PARITY
LAST: $7.15 (+0.42%) • MKT CAP: $2.42B
macro-sensitivity
—
LAST: $54.98 (+0.06%) • MKT CAP: $2.98B
macro-sensitivity
0.89
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PAYO VS. CBZ)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PAYO | CBZ | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | 12.90% | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 34.10% | 5.90% | +28.20 | PAYO | /roic <GO> |
| EV/EBITDA & P/E Valuation | 13.5x | 17.5x | -4.00 | PAYO | /valuation <GO> |
| Free Cash Flow Yield | 8.56% | 5.88% | +2.68 | PAYO | /fcf-yield <GO> |
| Operating Margin | 15.30% | 8.50% | +6.80 | PAYO | /operating-margins <GO> |
| Net Profit Margin | 9.00% | 4.20% | +4.80 | PAYO | /net-margins <GO> |
| Revenue Growth (YoY) | 14.50% | 52.10% | -37.60 | CBZ | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.34 | 1.84 | -1.50 | CBZ | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 8/9 | -2.00 | CBZ | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.2 | 68.3 | -15.10 | CBZ | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | 0.89 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 27.7x | 21.7x | +6.00 | CBZ | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.42B | $2.98B | -$560.6M | CBZ | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PAYO REV | CBZ REV | PAYO GROSS % | CBZ GROSS % | PAYO FCF | CBZ FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $813.4M | $2.76B | — | 12.9% | $206.6M | $175.5M |
| FY 2024 | $710.3M | $1.81B | — | 10.1% | $168.7M | $110.8M |
| FY 2023 | $590.8M | $1.59B | — | — | $159.5M | $81.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PAYO // BETA —
CBZ // BETA 0.89