Payoneer Global Inc (NAS:PAYO)

Q4 2025 Payoneer Global Inc Earnings Call Transcript

Feb 26, 2026 / 01:30 PM GMT

Release Date Price: $4.27 (-18.51%)

Transcript 10-K8-K

Key Points

Positve

Payoneer Global Inc (PAYO) achieved record results in 2025, with a 14% growth in revenue excluding interest.
The company increased its adjusted EBITDA from negative $25 million in 2023 to $40 million in 2025, showcasing significant profitability improvement.
Payoneer Global Inc (PAYO) is strategically moving towards an AI-first strategy, enhancing customer experience and operational efficiency.
The company has expanded its ecosystem of enterprise relationships, including partnerships with Airbnb, Upwork, TikTok Live, Alibaba, Mercado Libre, and Best Buy.
Payoneer Global Inc (PAYO) is well-positioned to benefit from innovations in stablecoins and AI, with plans to integrate stablecoin capabilities into its ecosystem.

Negative

The transition to Stripe's checkout solution is expected to create a headwind, reducing 2026 revenue growth by approximately 300 basis points.
There is a noted deceleration in marketplace volume growth, which could impact overall business performance.
The company faces challenges from shifting tariff landscapes, which have previously caused disruptions in seller activities.
Interest income is expected to decrease by $42 million in 2026, posing a potential risk to overall profitability.
Operating expenses increased by 6% in 2025, driven by higher IT, communication, and labor-related costs, which could pressure margins.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

PAYO.OQ - Payoneer Global Inc
Q4 2025 Payoneer Global Inc Earnings Call
Feb 26, 2026 / 01:30PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, thank you for standing by. My name is Demi, and I'll be your conference operator today. At this time, I would like to welcome you to the Pioneer 4th quarter 2025 earnings conference call.

All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and-answer session.

Thank you. I would now like to turn the call over to Michelle Wang. Please go ahead.

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Unidentified_2 [2]
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Thank you, operator. With me on today's call are Pioneer's Chief Executive Officer

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