NASDAQ$PAYO

Payoneer Global Inc · Q4 2025 earnings

Q4 2025 earnings · · Before market open · Investor relations

Briefing

Payoneer reported Q4 2025, revenue of $197M, net income of $12M, diluted EPS of $0.09.

For Q4 2025, Payoneer reported revenue of $197M, net income of $12M, diluted EPS was $0.09. Management discusses segment performance, capital allocation, and macro risks in the quarterly filing.

  • Revenue $197M.
  • Net income $12M.
  • Diluted EPS $0.09.

Headline financials

Total Revenue

$197M

Previous: $1.04B-81.1%
EPS (adj)

$0.09

Previous: $0.05+80.0%
Volume

$24.8B

Previous: $22.5B+10.2%
Active ICPs

536.0K

Previous: 560.0K-4.3%
Take Rate (bps)

111.0%

No prior period
SMB Customer Take Rate (bps)

113.0%

No prior period
Adjusted EBITDA

$68.5M

Previous: $63.3M+8.3%
Card Spend

$1.6B

No prior period
ARPU Growth ex. Interest

21.0%

No prior period
Net Income

$12M

Previous: $18.2M-34.0%
Operating Income

$28.9M

Previous: $29.2M-0.9%
Gross Profit

$232M

No prior period

Revenue & EPS history

Payoneer · Revenue · Quarterly

$197M

Q4 2025-81.1%vs Q4 2024
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

The quarterly filing discusses operating priorities, capital returns, and sector risks; numeric multi-quarter bridges vary by issuer.

Tailwinds

  • MD&A highlights liquidity, capital, and core business trends.
  • Segment or product commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure near-term margins.
  • One-time items can affect year-over-year comparability.

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 Q4 2025

Historical avgQ4 2025

+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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