NASDAQ$PAYO

Payoneer Global Inc · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Payoneer reported record quarterly volume and revenue, with significant profitability.

Payoneer delivered record quarterly volume and revenue, and significant profitability in the third quarter of 2024. The company is building a full-service financial stack for global cross-border SMBs and accelerating growth and profitability across its business.

  • Record quarterly volume driven by 57% B2B growth.
  • Revenue growth excluding interest income accelerated to 24%.
  • Active ICP growth increased to 11% year-over-year.
  • Spend on Payoneer cards grew by 41% year-over-year.

Headline financials

Total Revenue

$248M

Previous: $208M+19.3%
EPS

$0.11

Previous: $0.03+266.7%
Volume

$20.4B

No prior period
Active ICPs

557.0K

Previous: 502.0K+11.0%
Adjusted EBITDA

$69.3M

No prior period
Card Spend

$1.34B

No prior period
Capital Expenditures

-$4.45M

Previous: -$4.34M-2.6%
Free Cash Flow

$37.1M

Previous: $8.49M+337.3%
Net Income

$41.6M

Previous: $12.8M+224.2%
Operating Income

$35.2M

Previous: $29.5M+19.2%
Gross Profit

$244M

Previous: $204M+19.3%
R&D Expense

$34.6M

Previous: $27M+28.4%
Stock-Based Comp

$17.4M

Previous: $15.3M+13.7%

Revenue & EPS history

Payoneer · Revenue · Quarterly

$248M

Q3 2024+19.3%vs Q3 2023
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

Payoneer is increasing its 2024 guidance to reflect strong third quarter performance, with higher expectations for both growth and profitability for the final quarter of the year.

Tailwinds

  • Revenue between $950 million and $960 million.
  • Transaction costs of approximately 16.0% of revenue.
  • Adjusted EBITDA between $255 million and $265 million.
  • Executing on strategic priorities.
  • Repurchase of 25 million outstanding public warrants underscores conviction in ability to create long term value for shareholders.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2024

Historical avgQ3 2024

+3.6%

Avg return

Earnings day

+6.4%

Avg return

5 days after

+2.1%

Avg return

30 days after

48%

11 / 23 earnings

Positive

+37.1%

Q1 2022

Best reaction

-18.7%

Q4 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+3.9%+5.1%+3.7%
Q4 2025-18.7%-12.4%-8.8%
Q3 2025-5.0%-2.1%-1.9%
Q1 2025-13.8%+0.7%-1.4%
Q4 2024-14.7%-21.4%-28.8%
Q3 2024+21.5%+26.9%+26.6%
Q2 2024+27.8%+31.8%+33.7%
Q1 2024+12.5%+10.2%+13.2%
Q4 2023-12.6%-16.5%-12.6%
Q3 2023-7.5%-5.8%-10.3%
Q2 2023+13.8%+14.8%+23.1%
Q1 2023-14.9%-17.1%-19.6%
Q4 2022+14.8%+19.0%+7.3%
Q3 2022-12.9%+0.9%-16.5%
Q2 2022+18.6%+20.4%+18.1%
Q1 2021+37.1%+37.4%+28.7%
Q1 2022+37.1%+37.4%+28.7%
Q4 2021-12.8%-6.2%-0.4%
Q4 2019-12.8%-6.2%-0.4%
Q3 2020+14.3%+21.4%-13.3%
Q3 2021+14.3%+21.4%-13.3%
Q4 2020-3.1%-6.7%-3.6%
Q2 2021-3.1%-6.7%-3.6%
Q2 2020
Q1 2020

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