COMP <GO>
WU vs PAYO // EV/EBITDA & P/E VALUATION
Western Union Company (NYSE) VS. Payoneer Global Inc. (NASDAQ) • 15-METRIC TALLY: WU 5
— PAYO 4
■ METRIC PARITY
LAST: $6.25 (-0.64%) • MKT CAP: $1.96B
valuation
—
LAST: $7.16 (0.00%) • MKT CAP: $2.43B
valuation
13.5x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WU VS. PAYO)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WU | PAYO | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 34.30% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 34.10% | +50.90 | WU | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 13.5x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 8.56% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 19.50% | 15.30% | +4.20 | WU | /operating-margins <GO> |
| Net Profit Margin | 12.90% | 9.00% | +3.90 | WU | /net-margins <GO> |
| Revenue Growth (YoY) | -3.70% | 14.50% | -18.20 | PAYO | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.92 | 0.34 | +0.58 | WU | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | PAYO | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.6 | 55.4 | -3.80 | PAYO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 3.6x | 27.7x | -24.10 | WU | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.96B | $2.43B | -$464.5M | PAYO | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WU REV | PAYO REV | WU GROSS % | PAYO GROSS % | WU FCF | PAYO FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.88B | $813.4M | 34.3% | — | $505.2M | $206.6M |
| FY 2024 | $4.03B | $710.3M | 34.9% | — | $368.9M | $168.7M |
| FY 2023 | $4.16B | $590.8M | — | — | $783.1M | $159.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WU // BETA —
PAYO // BETA —