Payoneer (NASDAQ:PAYO) Misses Q4 CY2025 Sales Expectations, Stock Drops

Cross-border payment platform Payoneer (NASDAQ:PAYO) missed Wall Street’s revenue expectations in Q4 CY2025 as sales rose 4.9% year on year to $274.7 million. The company’s full-year revenue guidance of $1.11 billion at the midpoint came in 1.7% below analysts’ estimates. Its GAAP profit of $0.05 per share was in line with analysts’ consensus estimates.

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Company Overview

Founded during the early days of global e-commerce in 2005 to solve international payment challenges, Payoneer (NASDAQ:PAYO) provides financial technology services that enable small and medium-sized businesses to send and receive payments globally across borders.

Revenue Growth

A company’s long-term performance is an indicator of its overall quality. Any business can put up a good quarter or two, but the best consistently grow over the long haul. Luckily, Payoneer’s revenue grew at an incredible 26.3% compounded annual growth rate over the last five years. Its growth surpassed the average financials company and shows its offerings resonate with customers, a great starting point for our analysis.

Long-term growth is the most important, but within financials, a half-decade historical view may miss recent interest rate changes and market returns. Payoneer’s annualized revenue growth of 12.5% over the last two years is below its five-year trend, but we still think the results suggest healthy demand.

This quarter, Payoneer’s revenue grew by 4.9% year on year to $274.7 million, falling short of Wall Street’s estimates.

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Key Takeaways from Payoneer’s Q4 Results

We struggled to find many positives in these results. Its EPS was in line and its revenue fell short of Wall Street’s estimates. Overall, this was a softer quarter. The stock traded down 9.4% to $4.75 immediately after reporting.

Payoneer didn’t show it’s best hand this quarter, but does that create an opportunity to buy the stock right now? When making that decision, it’s important to consider its valuation, business qualities, as well as what has happened in the latest quarter. We cover that in our actionable full research report which you can read here (it’s free).