COMP <GO>
PAYO vs WU // ALTMAN Z-SCORE & DEBT/EQUITY
Payoneer Global Inc. (NASDAQ) VS. Western Union Company (NYSE) • 15-METRIC TALLY: PAYO 3
— WU 6
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: WU
LAST: $7.12 (0.00%) • MKT CAP: $2.41B
balance-sheet
0.34
LAST: $6.21 (+1.97%) • MKT CAP: $1.94B
balance-sheet
0.92
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PAYO VS. WU)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PAYO | WU | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | 34.30% | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 34.10% | 85.00% | -50.90 | WU | /roic <GO> |
| EV/EBITDA & P/E Valuation | 13.5x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.56% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | 15.30% | 19.50% | -4.20 | WU | /operating-margins <GO> |
| Net Profit Margin | 9.00% | 12.90% | -3.90 | WU | /net-margins <GO> |
| Revenue Growth (YoY) | 14.50% | -3.70% | +18.20 | PAYO | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 0.34 | 0.92 | -0.58 | WU | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | PAYO | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 45.9 | 48.2 | -2.30 | WU | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 27.7x | 3.6x | +24.10 | WU | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.41B | $1.94B | $475.8M | PAYO | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PAYO REV | WU REV | PAYO GROSS % | WU GROSS % | PAYO FCF | WU FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $813.4M | $3.88B | — | 34.3% | $206.6M | $505.2M |
| FY 2024 | $710.3M | $4.03B | — | 34.9% | $168.7M | $368.9M |
| FY 2023 | $590.8M | $4.16B | — | — | $159.5M | $783.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PAYO // BETA —
WU // BETA —