PAYO Payoneer Global Inc.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core model: fintech platform enabling SMBs worldwide to manage cross-border payments, multi-currency AR/AP, and financial operations on one global account
• • New emphasis on AI capabilities and stablecoin features to enhance customer experience and operational efficiency
• • Shift upmarket targeting larger SMBs with more complex financial needs, plus partnership with Stripe to scale Checkout product
• • Volume $87.5B (+9% YoY) and revenue $1,052.8M (+8% YoY) for fiscal 2025, serving nearly 2 million active customers in 190+ countries
• • Obtained China payment business license via acquisition, anticipating evolving regulatory environment in key emerging market

Risk Factors

• • Regulatory risk: noncompliance with payment network card scheme rules (Mastercard, Visa) could lead to fines, suspension, or termination of participation license impacting transaction processing
• • Geopolitical risk: ~51% of workforce and 79% of R&D in Israel; regional conflict volatility, including recent Israel-Hamas ceasefire, may materially affect operations
• • Operational risk: reliance on third-party financial institutions for payment processing and custody; termination or adverse changes could materially disrupt business
• • Market disruption risk: emerging payment methods like stablecoins, cryptocurrencies, and AI-driven payment features require continuous platform adaptation to remain competitive
• • Financial risk: exposure to interest rate changes causing declines in interest income and market value of time deposits and U.S. Treasury Securities, with 75bps Fed rate cuts in 2025 reducing income

Management Discussion & Analysis

• • Revenue $1,052.8M in 2025, up 8% YoY (+$75.1M), driven by SMBs B2B $52.0M, marketplaces $33.3M, DTC $12.5M; volume +9% to $87.5B
• • Operating income $124.7M in 2025, down 16% YoY from $149.0M; operating margin 11.8% vs 15.2% in 2024 (124.7/1052.8 vs 149.0/977.7)
• • Best segment SMB revenue growth with $97.8M increase (B2B, marketplaces, DTC combined); no specific worst segment detailed
• • Cash flow: no direct cash flow numbers given; capital deployment includes $1.8B customer funds in debt securities/term deposits, interest rate derivatives on $2.2B, and acquisitions of Boundless (Jan 2026), PayEco (Apr 2025), Skuad (Aug 2024)
• • Forward outlook risk from geopolitical conflicts (Israel, Ukraine) and macroeconomic issues including declining interest rates impacting interest income (down $25.2M); focus on platform investment, product expansion, and customer growth

What are the latest PAYO SEC filings in 2026?

Payoneer Global Inc. (PAYO) has filed a 10-K annual report on February 26, 2026, a 10-Q quarterly report on May 7, 2026, an 8-K current report on August 6, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did PAYO file its most recent 10-K annual report?

Payoneer Global Inc. (PAYO) filed its most recent 10-K annual report on February 26, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view PAYO 10-Q quarterly reports?

Payoneer Global Inc. (PAYO)'s most recent 10-Q quarterly report was filed on May 7, 2026. SignalX displays every PAYO 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has PAYO filed recently?

Payoneer Global Inc. (PAYO)'s most recent 8-K was filed on August 6, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find PAYO insider trading activity (Form 4)?

SignalX aggregates every PAYO Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does PAYO file with the SEC?

Payoneer Global Inc. (PAYO) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new PAYO filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Payoneer Global Inc. (PAYO).

What is PAYO's SEC CIK number?

Payoneer Global Inc. (PAYO)'s SEC CIK (Central Index Key) number is 1845815. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1845815 to look up all PAYO filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find PAYO return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Payoneer Global Inc. (PAYO) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.