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Stock Ratings / Consumer Discretionary / PAYO / options
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Payoneer Global Inc. (PAYO) Options Positioning, Max Pain & Unusual Sweeps

$7.16 +0.14% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $7.15

Payoneer Global Inc. (PAYO) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $2.42B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PAYO Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PAYO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Payoneer Global Inc. (NASDAQ: PAYO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $7.16 (+0.14% 1D, market cap $2.42B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1009 tracked Consumer Discretionary issuers, PAYO ranks #203 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PAYO compare to FLYW and TIC in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), PAYO carries a Roarable C+ (67/100 RQD), trailing P/E of 33.0x, gross margin of —, and ROIC of 34.1%. By comparison, FLYW (Flywire Corporation Voting) holds a C grade (64/100 RQD, P/E N/A, ROIC 1.8%, cap $2.40B) and TIC (TIC Solutions Inc.) posts a D grade (47/100 RQD, P/E N/A, ROIC -0.4%, cap $2.19B). Among the 5-stock peer group, TNET leads on earnings multiple (18.9x) while TNET leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PAYO?
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Per PAYO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001845815), Payoneer Global Inc. generated $813.4M in revenue (+14.5% YoY), $73.2M in net income, and $206.6M in free cash flow against $8.96B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $7.15 (-0.16%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 25.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510067
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk D+
Cash (15)Whales (14)SEC (10)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+4.1% Base Target
$9 Bull$7 Base$6 Bear
📬 FREE PAYO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PAYO)Realized 20D OHLCV Swing Band: ±1.8%
Deterministic 5-Pillar Attribution (67/100 Composite)
🔍 WHY PAYO SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 25.4% FCF Margin ($206.6M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk10/20 pts (-10 pt drag)

Balance-sheet & 10-K footnote risk deducts 10 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
59
Grade C$7.15-0.3% Next Q
Q2 (-2Q)
62
Grade C+$7.13+0% Next Q
Q3 (-1Q)
64
Grade C+$7.13+0.4% Next Q
Current
67
Grade C+$7.16+1.6% Hist 90D α
Trajectory: C (59) → C+ (67)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PAYO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, PAYO faces multiple-compression risk if 33.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($7.14) or 200D SMA ($6.14) invalidates the momentum regime and cuts Target Base ($7.45) toward Bear Floor ($5.81).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PAYO• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PAYO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 67%NO 33%Trade / Inspect Odds →
CALL VS. PUT WHALE SHARE
— (No Active Options Snapshot)
Put/Call Ratio: — (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
— (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
±1.8%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (PAYO)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for PAYO.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating PAYO & AI Leaders Without Chasing Tops

  • ✓Institutional whale strikes & implied earnings move audit on PAYO
  • ✓How disciplined traders manage risk using pre-published trigger & invalidation levels
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PAYO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +42.91%⚡ TESTING RESISTANCE
2026-11-03O $7.12H $7.16L $7.12C $7.16VOL 2.77M
RES: $7.17SUP: $7.11SMA50: $7.14SMA200: $6.14
$7.38$6.60$5.83$5.05$4.28RES $7.17SUP $7.11$7.162026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PAYO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PAYO Butterfly Map → + Track PAYO →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
25.5%/yr Implied 5Y Growth

vs. +14.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PAYO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PAYO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PAYO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PAYO)

Consumer Discretionary Rank #203 of 1009 ⚔️ FLYW vs PAYO Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (PAYO vs. FLYW, TIC, TNET, CBZ)

Industry: Business Services (88 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, Payoneer Global Inc. (PAYO) ranks #203 by composite RQD confidence (67/100, grade C+) and #389 by equity capitalization ($2.42B). Within this direct 5-issuer industry benchmark cohort, TNET leads on earnings valuation at 18.9x trailing P/E, while TNET leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. CBZ currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with PAYO at 67/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PAYO ACTIVE
Payoneer Global Inc.
C+ 67/100 33.0x — 34.1% +0.14% $2.42B Benchmark Subject
FLYW
Flywire Corporation Voting
C 64/100 — — 1.8% -1.02% $2.40B /flyw-vs-payo →
TIC
TIC Solutions Inc.
D 47/100 — 29.4% -0.4% +2.19% $2.19B /tic-vs-payo →
TNET
TriNet Group Inc.
C+ 66/100 18.9x — 85.0% +5.09% $2.94B /tnet-vs-payo →
CBZ
CBIZ Inc.
B- 71/100 25.8x 12.9% 5.9% +0.06% $2.98B /cbz-vs-payo →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001845815 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Payoneer Global Inc. (PAYO) reported GAAP revenue of $813.4M (+14.5% vs. FY2024 revenue of $710.3M , and +37.7% cumulative change since FY2023) , GAAP net income of $73.2M, operating cash flow of $233.5M, and free cash flow of $206.6M (+22.4% YoY). On the balance sheet, PAYO closed FY2025 with $8.96B in total assets against $0 in total debt (Altman Z-Score: 0.34, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $813.4M $73.2M $233.5M $206.6M $8.96B —
FY2024 (FY) 2024-12-31 $710.3M $121.2M $176.9M $168.7M $7.93B —
FY2023 (FY) 2023-12-31 $590.8M $93.3M $159.5M $159.5M — —

3. PAYO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PAYO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Payoneer Global Inc. (NASDAQ: PAYO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $7.16 (+0.14% 1D, market cap $2.42B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1009 tracked Consumer Discretionary issuers, PAYO ranks #203 in composite RQD confidence.

How does PAYO compare to FLYW and TIC in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), PAYO carries a Roarable C+ (67/100 RQD), trailing P/E of 33.0x, gross margin of —, and ROIC of 34.1%. By comparison, FLYW (Flywire Corporation Voting) holds a C grade (64/100 RQD, P/E N/A, ROIC 1.8%, cap $2.40B) and TIC (TIC Solutions Inc.) posts a D grade (47/100 RQD, P/E N/A, ROIC -0.4%, cap $2.19B). Among the 5-stock peer group, TNET leads on earnings multiple (18.9x) while TNET leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PAYO?

Per PAYO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001845815), Payoneer Global Inc. generated $813.4M in revenue (+14.5% YoY), $73.2M in net income, and $206.6M in free cash flow against $8.96B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PAYO trading relative to its 50-day, 200-day, and 52-week technical levels?

PAYO last traded at $7.16 (+0.14% on volume of 3,223,667 shares), positioning the stock +0.28% above its 50-day simple moving average ($7.14) and +16.61% above its 200-day simple moving average ($6.14). Across its 52-week range of $4.08 to $7.19, PAYO sits at the 99.0% percentile with a 14-day RSI of 53.2 (NEUTRAL RANGE) and an implied next-earnings move of ±1.8% ($7.03 to $7.29).

Direct Sub-Reports: PAYO RQD Cockpit PAYO 12M Forecast PAYO Earnings & Move PAYO Dividends & DRIP PAYO Insiders & 13F PAYO Whale Options PAYO Profit Sankey PAYO News & Why
ROARABLE RATING BRIEF • RQD 67/100 (C+) ✓ SEC XBRL & RQD VERIFIED

PAYO — Payoneer Global Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Payoneer Global Inc. (PAYO) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $7.16 (+0.14% 1D, market capitalization $2.42B).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 34.1%, gross margin of —, operating margin of 15.3%, and free cash flow yield of 8.56%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of 0.34, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Payoneer Global Inc. Is a NASDAQ-listed issuer classified in the Consumer Discretionary sector and Business Services industry, profile. A recent news item references the launch of Payoneer Checkout in Singapore, described as helping businesses turn global demand into revenue. — for further detail on how the company makes money.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Payoneer Global Inc. (PAYO) reported $813.4M in annual revenue (up from $710.3M in FY2024, +14.5% YoY) and $73.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($590.8M revenue, $93.3M net income) through FY2025, PAYO scaled operating cash flow to $233.5M and free cash flow to $206.6M, backed by $8.96B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C+ • RQD 67/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $4.08 – $7.19 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins. Investors must weigh 33.0x trailing P/E and 13.5x EV/EBITDA against 15.3% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Business Services (Consumer Discretionary), PAYO carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can PAYO sustain or expand its 15.3% operating margin and 34.1% ROIC against Business Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $813.4M and free cash flow of $206.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PAYO's 27.7x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PAYO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Payoneer Global Inc. (PAYO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PAYO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PAYO Bull vs. Bear Conversation Board — What's Your Call at $7.16?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PAYO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PAYO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $8.79 (+22.9%)
📌 Pinned Debate

Per the RQD rating, ROIC of 34.1% and an FCF yield of 8.56% underpin a Fundamental Cash Engine score of 15 of 20.

The street is overcomplicating Payoneer Global Inc. (PAYO). Per the RQD rating, ROIC of 34.1% and an FCF yield of 8.56% underpin a Fundamental Cash Engine score of 15 of 20.. With an RQD score of 67/100 (C+) and Forensic Balance Sheet at 10/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $7.72.

EarningsSniper 🐂 BULL

Both sides have a point here — PAYO's 10/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $5.58 (-22.0%)
Spot @ $7.15

Per the RQD rating, an Altman Z-Score of 0.34 drives a Forensic Balance Sheet score of only 10 of 20.

Sitting on the sidelines or leaning short PAYO above $7.15. Per the RQD rating, an Altman Z-Score of 0.34 drives a Forensic Balance Sheet score of only 10 of 20.. Until Fundamental Cash Engine (15/20) and FCF yield (8.56%) inflect higher, upside is capped near $7.19.

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