Payoneer Global Inc. (PAYO) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, PAYO scores 65 out of 100, earning a letter grade of C and the verdict label "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are: Fundamental Cash Engine at 15 of 20 (ROIC 34.1%; FCF yield 8.56%), Whale 13F Flow at 12 of 20 (institutional accumulation and options positioning), Insider Conviction at 16 of 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 12 of 20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 10 of 20 (Altman Z 0.34; Piotroski F 6/9; Debt/Equity 0.5).

For a prospective investor, the strongest pillar is insider conviction, while the weakest is the forensic balance sheet. The cash-generation profile (ROIC 34.1%, FCF yield 8.56%) is the principal upside driver cited by the rating. The Altman Z-Score of 0.34 is a notable caution flag within the same rating, offset partly by a Piotroski F-Score of 6 of 9. The valuation tradeoff is visible in the market data: a trailing P/E of 33 against a forward P/E of 27.7 implies the market is pricing in earnings growth that the rating treats as not yet fully proven. The Beta of 1.0 indicates market-level sensitivity, and the rating's Macro Regime Fit pillar reflects sector sensitivity rather than a defensive profile. The overall grade reflects a balanced picture rather than a clear directional signal.

Payoneer Global Inc. is a NASDAQ-listed issuer classified in the Consumer Discretionary sector and Business Services industry, per the SEC financials profile. The source data does not describe its products, customer base, or revenue model beyond the sector and industry classification. A recent news item references the launch of Payoneer Checkout in Singapore, described as helping businesses turn global demand into revenue. Not available in source data for further detail on how the company makes money.

Per the SEC financials, revenue rose from $590.8M in FY 2023 to $813.4M in FY 2025, while net income declined from $121.2M in FY 2024 to $73.2M in FY 2025. The current operating margin is 15.3% and net margin is 9%, per market data. ROIC is 34.1% per market data and the Roarable rating. The Altman Z-Score of 0.34 and Piotroski F-Score of 6 of 9 are cited in the Roarable rating's forensic balance sheet pillar. Debt/Equity is 0.5 per the same rating; reported debt figures are not available in source data.

Per the recent news and catalysts feed, six items reference PAYO. Five are labeled MARKET WIRE and cover generic stock forecast, estimate, and price target coverage from Yahoo Finance, TradingView, and MarketBeat, along with a Stock Titan item reporting that the CFO had 60,485 shares withheld for taxes rather than sold on the open market, and a Yahoo Finance item on the launch of Payoneer Checkout in Singapore. One item from Stock Traders Daily is labeled RISK WATCH and concerns price dynamics and execution-aware positioning. The Butterfly Supply-Chain Graph reports no supply-chain links and no proprietary signals.

Per the Butterfly Supply-Chain Graph, supply chain is reported as NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are not available in source data.

• What are the specific reported debt figures, given that the debt field is N/A across all periods?
• Why did net income decline from $121.2M in FY 2024 to $73.2M in FY 2025 while revenue grew?
• What are the reported EPS figures for each fiscal period, which are listed as N/A?
• What is the composition of institutional and insider holdings behind the whale and insider pillar scores?
• What is the basis for the Altman Z-Score of 0.34 and what does the company's balance sheet look like relative to that threshold?