Payoneer Global Inc.

PAYO

PAYOPayoneer Global Inc. US flag

NASDAQ Global Market

6.75

USD

- -

2.26BMarket Cap

Income Statement (USD)

MCP API Chat

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	260	318	346	473	572	600	721	821
+ Sales & Services Revenue	260	318	346	473	572	600	721	821
- Cost of Revenue	81	95	97	101	110	122	152	- -
+ Cost of Goods & Services	81	95	97	101	110	122	152	- -
Gross Profit	179	223	249	372	462	478	569	- -
+ Other Operating Income	-81	-95	-97	-101	-110	-122	-152	-821
- Operating Expenses	262	314	363	504	650	727	829	928
+ Selling, General & Admin	75	92	114	179	255	298	325	377
+ Research & Development	29	35	52	81	115	119	135	155
+ Other Operating Expense	158	187	196	244	280	311	369	396
Operating Income (Loss)	-2	4	-17	-30	-78	-127	-108	-107
- Non-Operating (Income) Loss	2	-1	-2	-5	-79	-260	-247	-223
+ Interest Expense, Net	- -	- -	- -	- -	-45	-242	-259	-223
+ Interest Expense	- -	- -	- -	- -	10	- -	- -	9
- Interest Income	- -	- -	- -	- -	55	242	259	232
+ Other Non-Op (Income) Loss	2	-1	-2	-5	-34	-17	12	- -
Pretax Income	-4	4	-15	-25	2	133	139	116
- Income Tax Expense (Benefit)	3	5	8	9	14	39	18	42
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	-7	-1	-24	-34	-12	93	121	73
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	-7	-1	-24	-34	-12	93	121	73
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	-7	-1	-24	-34	-12	93	121	73
- Preferred Dividends	- -	11	14	34	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	-7	-12	-37	-68	-12	93	121	73
EBIT	-2	4	-17	-30	-78	-127	-108	-107
EBITDA	6	14	- -	-12	-57	-100	-62	-43
EBITDA Margin (%)	2.29	4.4	-0.06	-2.58	-10.01	-16.58	-8.65	-5.26
EBITA	-2	4	-17	-30	-78	-127	-108	-107
Gross Margin (%)	68.72	70.21	71.92	78.56	80.75	79.63	78.9	100
Operating Margin (%)	-0.74	1.15	-5	-6.38	-13.54	-21.15	-14.96	-13.02
Profit Margin (%)	-2.76	-0.2	-6.87	-7.18	-2.09	15.54	16.81	8.91
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	8	10	17	18	20	27	45	64
Basic Weighted Avg Shares	338	338	338	203	348	362	358	361
Basic EPS, GAAP	-0.02	-0.04	-0.11	-0.33	-0.03	0.26	0.34	0.2
Basic EPS from Cont Ops	-0.02	- -	-0.07	-0.17	-0.03	0.26	0.34	0.2
Diluted Weighted Avg Shares	338	338	338	203	348	393	386	377
Diluted EPS, GAAP	-0.02	-0.04	-0.11	-0.33	-0.03	0.24	0.31	0.19
Diluted EPS from Cont Ops	-0.02	- -	-0.07	-0.17	-0.03	0.24	0.31	0.19

Balance Sheet (USD)

MCP API Chat

	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	1,904	3,570	4,963	6,471	7,109	7,100	8,111
+ Cash, Cash Equivalents & STI	- -	115	103	466	543	617	497	416
+ Cash & Cash Equivalents	- -	115	103	466	543	617	497	416
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	- -	73	84	77	61	66	93	98
+ Accounts Receivable, Net	- -	13	18	14	13	8	12	10
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	60	66	64	48	58	81	87
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	- -	1,716	3,383	4,419	5,867	6,425	6,509	7,598
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	57	99	116	124	174	831	846
+ Property, Plant & Equip, Net	- -	14	13	25	30	40	35	95
+ Property, Plant & Equip	- -	33	39	58	64	80	78	136
- Accumulated Depreciation	- -	19	26	33	34	39	42	41
+ LT Investments & Receivables	- -	7	7	7	6	- -	- -	- -
+ LT Investments	- -	7	7	7	6	- -	- -	- -
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	- -	36	80	84	87	134	795	751
+ Total Intangible Assets	- -	16	57	59	65	96	180	286
+ Goodwill	- -	- -	23	21	20	20	78	78
+ Other Intangible Assets	- -	16	34	38	45	76	102	208
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	- -	20	23	25	22	38	615	465
Total Assets	- -	1,961	3,670	5,079	6,595	7,283	7,930	8,957
+ Payables & Accruals	- -	30	47	40	66	76	80	95
+ Accounts Payable	- -	14	17	17	42	34	37	45
+ Accrued Taxes	- -	- -	- -	- -	- -	2	4	4
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	16	30	23	25	40	39	46
+ ST Debt	- -	- -	14	9	8	7	6	7
+ ST Borrowings	- -	- -	14	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	9	8	7	6	7
+ Other ST Liabilities	- -	1,713	3,380	4,448	5,903	6,458	7,046	7,982
+ Deferred Revenue	- -	1,687	3,347	4,401	5,839	6,391	6,964	7,895
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	26	33	47	64	68	81	87
Total Current Liabilities	- -	1,743	3,441	4,498	5,978	6,542	7,131	8,084
+ LT Debt	- -	60	27	14	23	36	16	65
+ LT Borrowings	- -	60	27	14	16	18	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	7	18	16	65
+ Other LT Liabilities	- -	163	178	80	49	41	59	103
+ Accrued Liabilities	- -	- -	- -	- -	21	30	49	100
+ Pension Liabilities	- -	- -	- -	- -	2	2	2	3
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	163	178	80	26	9	8	- -
Total Noncurrent Liabilities	- -	223	204	94	72	77	75	168
Total Liabilities	- -	1,966	3,645	4,592	6,049	6,619	7,206	8,252
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	31	80	579	654	737	825	900
+ Common Stock	- -	- -	- -	3	4	4	4	4
+ Additional Paid in Capital	- -	31	80	575	650	733	821	896
- Treasury Stock	- -	- -	- -	- -	- -	57	194	369
+ Retained Earnings	- -	-36	-60	-94	-109	-15	106	179
+ Other Equity	- -	- -	4	2	- -	- -	-13	-6
Equity Before Minority Interest	- -	-5	24	487	545	664	725	704
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	- -	-5	24	487	545	664	725	704
Total Liabilities & Equity	- -	1,961	3,670	5,079	6,595	7,283	7,930	8,957
Shares Outstanding	- -	338	338	340	353	358	360	349
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	9	15	25	21	72
Net Debt	- -	-55	-63	-452	-527	-599	-497	-416
Net Debt to Equity	- -	1,023.61	-259.12	-92.85	-96.68	-90.12	-68.64	-58.99
Tangible Common Equity Ratio	- -	-1.11	-0.9	8.53	7.35	7.9	7.03	4.83
Current Ratio	- -	1.09	1.04	1.1	1.08	1.09	1	1
Cash Conversion Cycle	- -	-19.2	-42.17	-49.73	-88.83	-106.34	-80.44	- -

Cash Flow Statement (USD)

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	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	-7	-1	-24	-34	-12	93	121	73
+ Depreciation & Amortization	8	10	17	18	20	27	45	64
+ Non-Cash Items	9	8	10	30	22	33	40	40
+ Stock-Based Compensation	7	10	11	37	52	66	65	73
+ Deferred Income Taxes	- -	-1	-1	-1	1	-11	-23	-17
+ Asset Impairment Charge	- -	- -	- -	- -	1	- -	2	2
+ Other Non-Cash Adj	3	- -	- -	-6	-31	-21	-5	-17
+ Chg in Non-Cash Work Cap	-16	-32	6	6	53	5	-29	56
+ (Inc) Dec in Accts Receiv	4	129	256	4	1	5	- -	2
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	-331	-224	-299	-330	-313
+ Inc (Dec) in Accts Payable	-17	-152	-248	1	41	5	5	7
+ Inc (Dec) in Other	-3	-9	-2	331	235	294	295	361
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	-6	-14	10	20	84	159	177	233
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-5	-9	-5	-7	-11	-8	-8	-27
+ Acq of Fixed Prod Assets	-5	-9	-5	-7	-11	-8	-8	-27
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	19	21	-42	-138	-174
+ Increase in Capital Stock	- -	- -	- -	19	21	13	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	-55	-138	-174
+ Net Change in LT Investment	- -	- -	- -	- -	- -	- -	-1,802	-59
+ Dec in LT Investment	- -	- -	- -	- -	- -	- -	277	404
+ Inc in LT Investment	- -	- -	- -	- -	- -	- -	-2,079	-462
+ Net Cash From Acq & Div	- -	-7	-15	- -	- -	6	-48	-33
+ Cash from Divestitures	- -	- -	- -	- -	- -	6	- -	- -
+ Cash for Acq of Subs	- -	-7	-15	- -	- -	- -	-48	-33
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-7	-5	-46	17	16	-42	-103	-100
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-11	-21	-67	10	6	-44	-1,961	-218
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	60	-20	-26	3	2	-18	- -
+ Cash From Debt	- -	60	105	17	29	27	15	- -
+ Repayments of Debt	- -	- -	-125	-44	-27	-25	-34	- -
+ Other Financing Activities	554	294	1,693	1,404	1,437	552	584	912
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	554	354	1,673	1,396	1,461	512	428	738
Effect of Foreign Exchange Rates	-3	1	1	-1	-3	4	-4	5
Net Changes in Cash	536	319	1,616	1,426	1,551	627	-1,357	753
EBITDA	6	14	- -	-12	-57	-100	-62	-43
EBITDA Margin (%)	2.29	4.4	-0.06	-2.58	-10.01	-16.58	-8.65	-5.26
Free Cash Flow	-11	-23	5	13	73	151	169	207
Net Cash Paid for Acquisitions	- -	7	15	- -	- -	-6	48	33
Free Cash Flow to Firm	- -	-23	- -	- -	-1	151	169	212
Free Cash Flow to Equity	- -	25	-29	-47	76	153	150	207
Free Cash Flow per Basic Share	-0.03	-0.07	0.01	0.06	0.21	0.42	0.47	0.57
Price/Free Cash Flow	- -	- -	240.05	55.42	20.15	12.18	20.95	8.13
Cash Flow to Net Income	0.83	22.9	-0.4	-0.59	-7.01	1.71	1.46	3.19
Capital Expenditures	-5	-9	-5	-7	-11	-8	-8	-27