Stock Ratings / Consumer Discretionary / PAYO / earnings

FLYW (62) TIC (46) TNET (57) CBZ (71) ⌘ Pro Terminal →

Payoneer Global Inc. (PAYO) Next Earnings Date & Expected ±1.8% Move

$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 →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±1.8% Swing Band

±$0.13 Expected Swing

MODEL EARNINGS SETUP GAUGE

PAYO Quantitative Pre-Earnings Setup: 66/100

Trailing EPS: $0.22 • YoY Revenue Growth: 14.5%

Model Bullish Setup (66/100)Model Risk Weight (34/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$813.4M	$73.2M	$206.6M	52%
FY 2024	2024-12-31	$710.3M	$121.2M	$168.7M	52%
FY 2023	2023-12-31	$590.8M	$93.3M	$159.5M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating PAYO & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on PAYO
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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

When is PAYO's next earnings date?

Based on SEC filing cadence, Payoneer Global Inc. (PAYO)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is PAYO stock expected to move on earnings?

Volatility modeling currently projects a ±1.8% event move for PAYO, spanning a range between $6.99 and $7.25.

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