Payoneer Global Inc. — Earnings Quality Grade C
PAYO · Technology
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 5 days, change -1 days YoY
AR growth -12.8% vs revenue growth 13.9%
Revenue 13.9%, CFFO 32.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 45.3% is >2x revenue growth 13.9%
Insufficient data
Gross margin 78.9%, change -0.7pp. Stable
Cash Flow Quality
CFFO/NI = 3.19. Profits backed by cash
FCF $0.1B, FCF/NI = 1.99
Accruals ratio = -1.8%. Low accruals
Cash $0.4B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.3B = 41% of equity
Interest coverage = -11.8x (<2x). Financial stress
Other assets -28.9% vs revenue 13.9%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 59% YoY
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor PAYO continuously
The full checks and model details are free to read. Use Watchlist to track your holdings; Pro adds automatic quarterly rescoring, risk-event email alerts, scans up to 50 tickers, and export workflows.
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25