Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
-1.39%
$7.01
0% positive prob.
5-Day Prediction
-5.78%
$6.70
0% positive prob.
20-Day Prediction
-5.88%
$6.69
0% positive prob.
SEC 8-K filings with transcript text
Aug 6, 2026 · 100% conf.
1D
-1.39%
$7.01
Act: -0.14%
5D
-5.78%
$6.70
Act: +0.42%
20D
-5.88%
$6.69
2 payo-20260806xex99d1.htm
Exhibit 99.1
Payoneer Reports Second Quarter 2026 Financial Results
10% increase in revenue excluding interest
15% volume growth led by B2B acceleration, up 48% year-over-year
Payoneer announced an agreement to be acquired by Nuvei on June 15, 2026
NEW YORK – August 6, 2026 – Payoneer Global Inc. (“Payoneer” or the “Company”) (NASDAQ: PAYO), the global financial technology company powering business growth across borders, today reported financial results for its second quarter ended June 30, 2026.
Second Quarter 2026 Financial Highlights
($ in mm unless otherwise noted)
YoY Change
Revenue ex. interest income
$202.3
$211.4
$218.9
$210.1
$222.2
10%
Interest income
58.3
59.5
55.8
51.5
52.1
(11)%
Revenue
$260.6
$270.9
$274.7
$261.6
$274.3
5%
Transaction costs as a % of revenue
15.6%
15.7%
15.6%
13.5%
13.7%
(190) bps
Net income
$19.5
$14.1
$19.0
$19.6
($2.4)
N/A
Adjusted EBITDA
66.4
71.3
68.5
69.4
71.4
7%
Adjusted EBITDA ex. interest income
8.1
11.7
12.8
17.9
19.3
138%
Operational Metrics
Volume ($bn)
$20.7
$22.3
$24.8
$22.8
$23.7
15%
Average Revenue Per User (ARPU)1
$ 452
$ 471
$ 488
$ 513
$ 533
18%
Revenue as a % of volume ("Take Rate")
126 bps
121 bps
111 bps
115 bps
116 bps
(10) bps
SMB customer take rate2
120 bps
121 bps
113 bps
120 bps
118 bps
(2) bps
1.Please refer to “Additional Information and Definitions” for a description of ARPU.
2.SMB customer take rate represents revenue from SMBs who sell on marketplaces, B2B SMBs, and Checkout (previously known as Merchant Services), divided by the associated volume from each respective channel.
“Payoneer’s Q2 results reflect the strength of our business and execution of our team: double-digit revenue growth excluding interest, continued ARPU expansion, and a further acceleration of B2B volume growth to 48%. We’ve built highly differentiated assets over decades, including specialized infrastructure for cross border commerce, network effects that strengthen as we scale, and deep relationships with millions of global businesses who trust us to power their growth.
In June, we announced an agreement to be acquired by Nuvei. The transaction validates the strength of the business our team has built and by combining our complementary platforms, we will create a financial infrastructure leader that powers global commerce at scale.”
John Caplan, Chief Executive Officer
Second Quarter 2026 Business Highlights (unless otherwise noted)
●Revenue excluding interest income grew 10% year-over-year, driven by 15% volume growth led by a further acceleration in B2B volume growth.
●Volume of $23.7 billion increased 15% year-over-year, reflecting:
oSMBs that sell on marketplaces volume of $12.4 billion up 2% year-over-year.
oB2B volume of $4.3 billion, up 48% year-over-year driven by strong growth across all major regions and continued momentum acquiring larger customers, particularly in China and EMEA.
oCheckout volume of $332 million, up 52% year-over-year.
oEnterprise payouts volume of $6.6 billion, up 22% year-over-year.
●SMB customer revenue of $201 million grew 10% year-over-year, reflecting:
oSMBs that sell on marketplaces revenue of $119 million, up 2% year-over-year.
oB2B SMBs revenue of $69 million, up 18% year-over-year.
oCheckout revenue of $13 million, up 51% year-over-year.
●18% growth in ARPU, and 22% growth in ARPU excluding interest income, the eighth consecutive quarter of 20%+ growth in ARPU excluding interest income.
●$7.7 billion of customer funds (including both short-term and long-term funds) as of June 30, 2026. Customer funds growth of 10% year-over-year partially offsetting the impact of lower interest rates on year-over-year interest income.
●$16 million of share repurchases in Q2 2026 at a weighted average price of $4.91 per share. During Q2, Payoneer suspended repurchases under its share repurchase program in connection with the proposed transaction with Nuvei and does not intend to resume repurchases going forward while the transaction is still pending.
●On July 28, 2026, early termination of the waiting period under the Hart-Scott-Rodino Antitrust Improvements Act (HSR Act) was granted for the proposed transaction with Nuvei.
Proposed Transaction with Nuvei
As previously announced on June 15, 2026, Payoneer has entered into a definitive agreement under which Neon Maple Parent Inc., a corporation incorporated pursuant to the laws of Canada (“Nuvei”) will acquire Payoneer. Under the terms of the agreement, Nuvei
May 7, 2026
2 payo-20260507xex99d1.htm
Exhibit 99.1
Payoneer Reports First Quarter 2026 Financial Results
11% increase in revenue ex. interest and strong profitability
44% B2B volume growth reflects acceleration across every major region
Increases 2026 guidance
NEW YORK – May 7, 2026 – Payoneer Global Inc. (“Payoneer” or the “Company”) (NASDAQ: PAYO), the global financial technology company powering business growth across borders, today reported financial results for its first quarter ended March 31, 2026.
First Quarter 2026 Financial Highlights
($ in mm unless otherwise noted)
YoY Change
Revenue ex. interest income
$188.6
$202.3
$211.4
$218.9
$210.1
11%
Interest income
58.0
58.3
59.5
55.8
51.5
(11)%
Revenue
$246.6
$260.6
$270.9
$274.7
$261.6
6%
Transaction costs as a % of revenue
16.0%
15.6%
15.7%
15.6%
13.5%
(250) bps
Net income
$20.6
$19.5
$14.1
$19.0
$19.6
(5)%
Adjusted EBITDA
65.4
66.4
71.3
68.5
69.4
6%
Adjusted EBITDA ex. interest income
7.5
8.1
11.7
12.8
17.9
140%
Operational Metrics
Volume ($bn)
$19.7
$20.7
$22.3
$24.8
$22.8
16%
Average Revenue Per User (ARPU)1
$ 439
$ 452
$ 471
$ 488
$ 513
17%
Revenue as a % of volume ("Take Rate")
125 bps
126 bps
121 bps
111 bps
115 bps
(10) bps
SMB customer take rate2
119 bps
120 bps
121 bps
113 bps
120 bps
1 bp
1.Please refer to “Additional Information and Definitions” for a description of ARPU.
2.SMB customer take rate represents revenue from SMBs who sell on marketplaces, B2B SMBs, and Checkout (previously known as Merchant Services), divided by the associated volume from each respective channel.
“In Q1 we delivered acceleration across major KPIs: revenue growth ex. interest accelerated to 11%, B2B volume growth more than doubled to 44%, and we delivered another quarter of significant core profitability expansion. We are driving broad-based momentum across our business, supported by differentiated assets that compound as we scale. We have infrastructure built on years of investment and innovation, network effects that strengthen as volumes grow, and platform depth that allows us to meet the needs of how our customers operate globally.
We're a profitable, scaled platform in a multi-trillion-dollar B2B market that's still in the early innings of digitization, and our strong Q1 results demonstrate we're capturing share. We are executing consistently, moving fast where we see opportunities, and building a business that's not just larger, but structurally more valuable, with deeper strategic advantages and stronger customer relationships."
John Caplan, Chief Executive Officer
First Quarter 2026 Business Highlights (unless otherwise noted)
●Revenue excluding interest income grew 11% year-over-year, driven by 16% volume growth led by a significant acceleration in B2B.
●SMB customer revenue of $189 million grew 12% year-over-year, reflecting:
oSMBs that sell on marketplaces revenue of $115 million, up 4% year-over-year.
oB2B SMBs revenue of $64 million, up 23% year-over-year.
oCheckout revenue of $10 million, up 46% year-over-year.
●B2B volume growth accelerated significantly to 44% year-over-year driven by strong growth in China, EMEA and APAC.
●Strong enterprise payouts momentum continued with 28% year-over-year volume growth.
●17% growth in ARPU, and 22% growth in ARPU excluding interest income, the seventh consecutive quarter of 20%+ growth in ARPU excluding interest income.
●1bp of SMB customer take rate expansion driven by mix shift towards higher yield products and services and the impact of our fee and monetization initiatives.
●$7.6 billion of customer funds (including both short-term and long-term funds) as of March 31, 2026. Customer funds growth of 15% year-over-year partially offset the impact of lower interest rates on year-over-year interest income.
●Significant year-over-year increase in share repurchases, with $74 million in the first quarter at a weighted average price of $5.16, vs $17 million in Q1 2025.
●Announced a strategic collaboration with FundPark, a fintech that provides financing solutions that help e-commerce businesses in Hong Kong accelerate their global business expansion.
2026 Outlook
“We begin 2026 with strong momentum. Revenue ex. interest is accelerating, robust growth in our B2B franchise is driving SMB take rate expansion, execution against our upmarket strategy is gaining traction and contributed to a seventh consecutive quarter of 20%+ growth in ARPU ex. interest, and core business profitability increased substantially. We’re un
Feb 26, 2026
2 payo-20260226xex99d1.htm
Exhibit 99.1
Payoneer Reports Fourth Quarter and Full Year 2025 Financial Results
14% increase in revenue ex. interest, including 28% B2B revenue growth, in 2025
2026 Guidance reflects focus on high margin growth and significant core business profitability unlock
NEW YORK – February 26, 2026 – Payoneer Global Inc. (“Payoneer” or the “Company”) (NASDAQ: PAYO), the global financial technology company powering business growth across borders, today reported financial results for its fourth quarter and full year ended December 31, 2025.
Fourth Quarter 2025 Financial Highlights
YoY
YoY
($ in mm unless otherwise noted)
Change
2024
2025
Change
Revenue ex. interest income
$201.1
$188.6
$202.3
$211.4
$218.9
9%
$720.9
$821.2
14%
Interest income
60.6
58.0
58.3
59.5
55.8
(8)%
256.8
231.6
(10)%
Revenue
$261.7
$246.6
$260.6
$270.9
$274.7
5%
$977.7
$1,052.8
8%
Transaction costs as a % of revenue
16.5%
16.0%
15.6%
15.7%
15.6%
(90) bps
15.6%
15.7%
10 bps
Net income
$18.2
$20.6
$19.5
$14.1
$19.0
5%
$121.2
$73.2
(40)%
Adjusted EBITDA
63.3
65.4
66.4
71.3
68.5
8%
270.6
271.7
0%
Adjusted EBITDA ex. interest income
2.7
7.5
8.1
11.7
12.8
377%
13.7
40.0
192%
Operational Metrics
Volume ($bn)
$22.5
$19.7
$20.7
$22.3
$24.8
10%
$80.1
$87.5
9%
Active Ideal Customer Profiles (ICPs) ('000s)1
560
556
559
548
536
(4)%
560
536
(4)%
Average Revenue Per User (ARPU)2
$ 425
$ 439
$ 452
$ 471
$ 488
15%
$ 425
$ 488
15%
Revenue as a % of volume ("Take Rate")
116 bps
125 bps
126 bps
121 bps
111 bps
(5) bps
122 bps
120 bps
(2) bps
SMB customer take rate3
109 bps
119 bps
120 bps
121 bps
113 bps
4 bps
109 bps
118 bps
9 bps
1.Active ICPs are defined as customers with a Payoneer Account that have on average over $500 per month in volume (including intra-network transactions with other Payoneer customers) and were active over the trailing twelve-month period.
2.Please refer to “Additional Information and Definitions” for a description of ARPU.
3.SMB customer take rate represents revenue from SMBs who sell on marketplaces, B2B SMBs, and Checkout (previously known as Merchant Services), divided by the associated volume from each respective channel.
“Payoneer continued to support the global ambitions of our customers and delivered record results in 2025. We crossed $1 billion in annual revenue, delivered significant profitability, and generated meaningful free cash flow. We repurchased $175 million, or 8% of shares outstanding during the year, underscoring our conviction in the intrinsic value of the business and our commitment to driving long-term shareholder returns.
Payoneer is positioned to be a category defining company in cross border commerce. We have product market fit, deep global distribution, and robust payment and regulatory infrastructure that are highly differentiated and difficult to replicate. In 2026, we are moving our strategy upmarket to serve the more complex needs of SMBs and SMEs engaged in global trade and to drive high margin growth. We are also strengthening our platform for the future of money movement and orienting the company towards an AI-first strategy that will accelerate product delivery, improve customer engagement, and unlock leverage. Our ambition is bold, our strategy is clear, and we have the assets and team to execute.”
John Caplan, Chief Executive Officer
Fourth Quarter 2025 Business Highlights (unless otherwise noted)
●SMB customer revenue of $197 million grew 9% year-over-year, reflecting:
oSMBs that sell on marketplaces revenue of $122 million, up 4% year-over-year.
oB2B SMBs revenue of $65 million, up 17% year-over-year, and representing 30% of revenue ex. interest.
oCheckout revenue of $11 million, up 25% year-over-year.
●$1.6 billion of spend on Payoneer cards, up 6% year-over-year, reflecting continued, though more muted, growth with large ecomm sellers at 15%, likely a result of tariff related headwinds to spending behavior, and softness in Latin America.
●$7.9 billion of customer funds (including both short-term and long-term funds) as of December 31, 2025. Customer funds growth of 13% year-over-year partially offset the interest income decline due to lower interest rates year-over-year.
●Accelerated share repurchases in the quarter to $80 milli
This page provides Payoneer Global Inc. (PAYO) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on PAYO's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.