Stock Ratings / Consumer Discretionary / PAYO

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Payoneer Global Inc. (PAYO) — RQD Stock Rating Cockpit

$7.12 0.00% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $7.11

Payoneer Global Inc. (PAYO) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $2.41B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $7.11 (-0.19%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 25.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+3.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PAYO)Realized 20D OHLCV Swing Band: ±1.8%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY PAYO SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 98% of 52W Range • RSI-14 at 53.6 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B+$7.14-0.3% Next Q

Q2 (-2Q)

Grade B$7.12+0.4% Next Q

Q3 (-1Q)

Grade B-$7.15-0.4% Next Q

Current

Grade C+$7.12+1.4% Hist 90D α

Trajectory: B+ (74) → C+ (66)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PAYO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, PAYO faces multiple-compression risk if 33.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($7.13) or 200D SMA ($6.13) invalidates the momentum regime and cuts Target Base ($7.38) toward Bear Floor ($5.76).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PAYO• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PAYO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 66%NO 34%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

53.630 Oversold · 70 Hot

ALTMAN-Z SHIELDDISTRESS RISK (<1.8)

0.34>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE98% OF RANGE

L: $4$7.12H: $7

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on PAYO

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

34.1% ROIC with 42.0% gross margin and 8.56% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 0.34 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (68)

25/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like PAYO

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PAYO Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PAYO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +42.97%⚡ TESTING RESISTANCE

2026-10-30O $7.12H $7.15L $7.11C $7.12VOL 2.77M

RES: $7.17SUP: $7.11SMA50: $7.13SMA200: $6.13

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PAYO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PAYO Butterfly Map → + Track PAYO →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

25.5%/yr Implied 5Y Growth

vs. +14.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PAYO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PAYO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PAYO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PAYO)

Consumer Discretionary Rank #264 of 1011 ⚔️ FLYW vs PAYO Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (PAYO vs. FLYW, TIC, TNET, CBZ)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Payoneer Global Inc. (PAYO) ranks #264 by composite RQD confidence (66/100, grade C+) and #393 by equity capitalization ($2.41B). Within this direct 5-issuer industry benchmark cohort, TNET leads on earnings valuation at 18.9x trailing P/E, while TNET leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. CBZ currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with PAYO at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PAYO ACTIVE Payoneer Global Inc.	C+	66/100	33.0x	—	34.1%	0.00%	$2.41B	Benchmark Subject
FLYW Flywire Corporation Voting	C	62/100	—	—	1.8%	+1.90%	$2.35B	/flyw-vs-payo →
TIC TIC Solutions Inc.	D	46/100	—	29.4%	-0.4%	+3.90%	$2.27B	/tic-vs-payo →
TNET TriNet Group Inc.	D+	57/100	18.9x	—	85.0%	-9.53%	$2.92B	/tnet-vs-payo →
CBZ CBIZ Inc.	B-	71/100	25.8x	12.9%	5.9%	+0.06%	$2.98B	/cbz-vs-payo →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001845815

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Payoneer Global Inc. (PAYO) reported GAAP revenue of $813.4M (+14.5% vs. FY2024 revenue of $710.3M , and +37.7% cumulative change since FY2023) , GAAP net income of $73.2M, operating cash flow of $233.5M, and free cash flow of $206.6M (+22.4% YoY). On the balance sheet, PAYO closed FY2025 with $8.96B in total assets against $0 in total debt (Altman Z-Score: 0.34, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$813.4M	$73.2M	$233.5M	$206.6M	$8.96B	—
FY2024 (FY)	2024-12-31	$710.3M	$121.2M	$176.9M	$168.7M	$7.93B	—
FY2023 (FY)	2023-12-31	$590.8M	$93.3M	$159.5M	$159.5M	—	—

3. PAYO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PAYO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Payoneer Global Inc. (NASDAQ: PAYO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $7.12 (0.00% 1D, market cap $2.41B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1011 tracked Consumer Discretionary issuers, PAYO ranks #264 in composite RQD confidence.

How does PAYO compare to FLYW and TIC in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), PAYO carries a Roarable C+ (66/100 RQD), trailing P/E of 33.0x, gross margin of —, and ROIC of 34.1%. By comparison, FLYW (Flywire Corporation Voting) holds a C grade (62/100 RQD, P/E N/A, ROIC 1.8%, cap $2.35B) and TIC (TIC Solutions Inc.) posts a D grade (46/100 RQD, P/E N/A, ROIC -0.4%, cap $2.27B). Among the 5-stock peer group, TNET leads on earnings multiple (18.9x) while TNET leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PAYO?

Per PAYO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001845815), Payoneer Global Inc. generated $813.4M in revenue (+14.5% YoY), $73.2M in net income, and $206.6M in free cash flow against $8.96B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PAYO trading relative to its 50-day, 200-day, and 52-week technical levels?

PAYO last traded at $7.12 (0.00% on volume of 1,136,374 shares), positioning the stock -0.14% below its 50-day simple moving average ($7.13) and +16.15% above its 200-day simple moving average ($6.13). Across its 52-week range of $4.08 to $7.19, PAYO sits at the 97.7% percentile with a 14-day RSI of 53.6 (NEUTRAL RANGE) and an implied next-earnings move of ±1.8% ($6.99 to $7.25).

PAYO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PAYO stock right now?

Payoneer Global Inc. (PAYO) currently earns a Roarable Rating of C+ (Hold — HOLD) with 66/100 RQD Confidence. Solid steady margins (34% return on capital), mixed timing at 33x P/E—hold if owned, no rush to chase.

What is PAYO's 12-month price target and RQD AI Jury consensus?

PAYO's 12-month base price target is $7.38 (range $5.76 to $8.71), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PAYO RQD Cockpit PAYO 12M Forecast PAYO Earnings & Move PAYO Dividends & DRIP PAYO Insiders & 13F PAYO Whale Options PAYO Profit Sankey PAYO News & Why