PAYO Stock Analysis: Buy, Sell, or Hold?
PAYO - Payoneer Global Inc. Common Stock
$6.39
-0.04 (-0.62%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 26, 2026
26d
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1 traders called PAYO this week
100% bullish • 0 bearish
100% bullish • 0 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PAYO is fairly valued with market pricing in 4.5% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: PAYO is fairly valued with market pricing in 4.5% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$10.99
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$6.82
6.3% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 19.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PAYO is currently trading at $6.39, which is considered extended relative to its 30-day fair value range of $5.33 to $6.05. From a valuation perspective, the stock is trading at a premium (Forward PE: 22.2) compared to its historical average (19.5). At these levels, the market is pricing in 4.5% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PAYO is in a downtrend. The price is approaching resistance at $6.52. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $8.38 (+30.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PAYO is in a downtrend. The price is approaching resistance at $6.52. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $8.38 (+30.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$5.33 -
$6.05
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
47.1%
Protect Your Profits
Holding PAYO? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range (+5.6% above fair value)
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 30.2% below Wall St target ($8.38)
- NEUTRAL: Market pricing in 4.5% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$5.33 -
$6.05
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$5.21
Resistance Level
$6.52
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
22.23
Wall Street Target
$8.38
(+30.2%)
Revenue Growth (YoY)
47.0%
Earnings Growth (YoY)
1100.0%
Profit Margin
7.0%
Valuation Premium vs History
+4.5% premium
PE vs Historical
22.2 vs 19.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.5%
(market-implied from PE analysis)
1-Year Target
$6.72
(+5%)
2-Year Target
$7.02
(+9%)
3-Year Target
$7.34
(+14%)
3-Yr Target (if PE normalizes)
(PE: 22→20)
PE COMPRESSION
$6.44
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 39.2%)
$17.38
(+170%)
Base:
(SPY PE: 22.2, Growth: 39.2%)
$17.33
(+170%)
Bear:
(PE: 18.9, Growth: 39.2%)
$14.73
(+129%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (36x PE), but valuation improves significantly next year (22x PE) as earnings recover.
Trailing PE: 35.56 | Current EPS (TTM): $0.18
Bull Case
$11.31
(+76%)
Analyst growth 60.7%, PE expands to 39.1
Base Case
$10.29
(+60%)
Market implied 60.7%, PE stable at 35.6
Bear Case
$4.35
(-32%)
Severe decline -20.0%, PE contracts to 30.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 30, 2026 5:42 PM ET
Data refreshes hourly during market hours. Next update: 6:42 PM
Data refreshes hourly during market hours. Next update: 6:42 PM
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Technical Signals Check
Is PAYO showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced PAYO Option Strategies
Professional options setups generated by AI based on today's PAYO price and gamma walls.
