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Forensic Analysis · Professional & Commercial Services · as of Nov 8, 2026

Payoneer Global Inc. (PAYO)

A forensic read on Payoneer Global Inc. built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.

D · Weak — demands caution
Forensic grade
Distress
Financial health
0.3
Distress distance
Clean
Earnings quality
1
Forensic signals
10.2%
ROE
7.7%
Revenue growth

This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (auditor quality, say on pay, board independence, going concern). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.

Payoneer Global Inc. earns a D (Weak — demands caution) forensic quality grade, and its balance-sheet distress test reads 0.3, placing it in the Distress zone. 1 forensic signal was flagged in its latest SEC filings, led by shareholder returns.

What the filings flag

119% of FCF
FY2025
Shareholder returns. Returned $174M to shareholders (buybacks + dividends) in FY2025 — 119% of free cash flow, but 74% of operating cash flow. Returns run ahead of free cash flow because the business is also funding heavy growth capex (usually debt-financed); the payout itself is covered by operating cash — sustainable as long as that spending is genuine expansion, not upkeep. Counting the $73M of stock-based comp paid out in shares on top of that, the combined claim on free cash flow is 169%.

Key fundamentals

Latest Revenue$1.05B
Revenue Growth YoY+7.7%
Revenue CAGR (2yr)+12.5%
Net Margin7.0%
Free Cash Flow$145.8M
Return on Equity10.2%

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Data from SEC EDGAR public filings · metrics as of Nov 8, 2026. Forensic signals flag probability, not certainty.

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