Payoneer Inc. (PAYO)
NASDAQ:PAYO
Want to see PAYO full AI Analyst Report?
Earnings Data
Report Date
Aug 12, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.06Last Year’s EPS
0.05Same Quarter Last Year
Strong Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong operational momentum driven by a powerful B2B acceleration, robust ARPU growth, record adjusted EBITDA performance and an upward revision to full-year guidance. These positives outweigh the challenges: modest GAAP revenue growth, interest-income and take-rate pressure from lower rates, higher operating costs in some areas, and exposure from only partial hedging of customer funds. Strategic investments (stablecoin, AI, regulatory/licensing) and successful product migrations (Stripe checkout) support confidence in mid-teens exit growth and continued margin expansion.Company Guidance
Revenue ex Interest Accelerated
Revenue excluding interest income grew 11% year-over-year to $210M (accelerating ~200 basis points sequentially), and total revenue was $262M, up 6% YoY.
Strong Volume and B2B Growth
Total volume exceeded $22B, up 16% YoY. B2B volume grew 44% YoY (more than doubling sequentially from 21% in Q4) and is expected to grow >30% for the rest of the year.
ARPU and SMB Monetization Gains
ARPU rose 17% in the quarter (ARPU excluding interest up 22%), marking seven consecutive quarters of ≥20% ARPU growth. SMB take rate trends improved (SMB take rate up 1 bps YoY and 7 bps sequentially), supporting upmarket monetization.
Record Adjusted EBITDA and Margin Expansion
Adjusted EBITDA was $69M with a 27% margin. Adjusted EBITDA excluding interest grew >140% YoY to $18M (highest quarterly ex-interest result as a public company). Company expects to more than double core adjusted EBITDA to $90M at the 2026 midpoint.
Improved Unit Economics and Lower Transaction Costs
Transaction costs declined to $35M (down 11% YoY) and represented 13.5% of revenue (~250 bps improvement YoY). On a revenue-ex-interest basis, transaction costs fell to 16.8% (down >400 bps) due to partnerships (Mastercard, Stripe) and operational gains.
Growing Customer Funds and Hedging
Customer funds held on platform increased 15% YoY to $7.6B (over $1B growth). As of March 31, ~53% (~$4B) of customer funds were hedged via treasury securities, term deposits and derivatives.
Segment and Regional Momentum
Checkout volume surged 53% YoY, enterprise payouts volume rose 28% YoY, SMB volume up 11% YoY, and marketplace seller volume showed double-digit growth in APAC and EMEA (China marketplace volume acquired doubled YoY). Strong B2B performance across China, APAC and EMEA was highlighted.
Raised Full-Year Guidance and Capital Actions
Full-year revenue guidance was increased (total revenue $1.10B–$1.14B; revenue ex interest $900M–$940M; interest income ~$200M). Adjusted EBITDA guidance raised to $285M–$295M. The company repurchased ~$74M of shares in Q1 at an average $5.16 with ~$117M remaining authorization.
Strategic Investments and Product Initiatives
Progress on strategic initiatives: stablecoin wallet pilot launched via Bridge, application for an uninsured national trust bank (thousands on waitlist, 80% net-new customers), AI pilots to reduce support tickets and drive product velocity, and regulatory/licensing scale across major jurisdictions and ~7,000 trade corridors.
PAYO Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
PAYO Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 07, 2026 | $4.86 | $5.06 | +4.12% |
Feb 26, 2026 | $5.24 | $4.27 | -18.51% |
Nov 05, 2025 | $5.79 | $5.47 | -5.53% |
Aug 06, 2025 | $6.50 | $7.42 | +14.15% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Payoneer Inc. (PAYO) report earnings?
Payoneer Inc. (PAYO) is schdueled to report earning on Aug 12, 2026, After Close (Confirmed).
What is Payoneer Inc. (PAYO) earnings time?
Payoneer Inc. (PAYO) earnings time is at Aug 12, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is PAYO EPS forecast?
PAYO EPS forecast for the fiscal quarter 2026 (Q2) is 0.06.