PAYOW (Payoneer Global) Effective Interest Rate on Debt %: 4.26% (As of Mar. 2026)

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PAYOW Payoneer Global Inc PAYOW
76 GF Score
Price $0.73
! 7 Warning Signs
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What is Payoneer Global Effective Interest Rate on Debt %?

Payoneer Global PAYOW 76 Effective Interest Rate on Debt % is 4.26% as of Mar. 2026. GuruFocus rates PAYOW with a GF Score™ of 76/100. The stock has 7 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Payoneer Global's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was $3.25 Mil. Payoneer Global's average total debt for the quarter that ended in Mar. 2026 was $76.18 Mil. Therefore, Payoneer Global's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.26%.


Payoneer Global  (NAS:PAYOW) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Payoneer Global Effective Interest Rate on Debt % Related Terms


Payoneer Global Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Payoneer Global's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Payoneer Global Effective Interest Rate on Debt % Chart

Payoneer Global Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial 21.77 37.55 0.00 0.00 19.38

Payoneer Global Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 28.66 2.68 46.54 9.25 4.26

PAYOW vs ATEN, RAMP, CALX: Effective Interest Rate on Debt % Comparison

For the Software - Infrastructure subindustry, Payoneer Global's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Payoneer Global Effective Interest Rate on Debt % vs Software Industry

For the Software industry and Technology sector, Payoneer Global's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Payoneer Global's Effective Interest Rate on Debt % falls into.


PAYOW
76GF Score
Payoneer Global Inc PAYOW
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Payoneer Global Effective Interest Rate on Debt % Calculation

Payoneer Global's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -9.079/( (21.38+72.333)/ 2 )
=-1  *  -9.079/46.8565
=19.38 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=15.645 + 5.735
=21.38

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=65.084 + 7.249
=72.333

Payoneer Global's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -3.248/( (72.333+80.025)/ 2 )
=-1  *  -3.248/76.179
=4.26 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=65.084 + 7.249
=72.333

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=73.155 + 6.87
=80.025

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 4.26% mean?
Payoneer Global (PAYOW) has a Effective Interest Rate on Debt % of 4.26% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Payoneer Global and its competitors.
Is Payoneer Global's Effective Interest Rate on Debt % too high?
Payoneer Global's current Effective Interest Rate on Debt % is 4.26%. Overall, Payoneer Global has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Payoneer Global's Effective Interest Rate on Debt % compare to ATEN and RAMP?
Payoneer Global's Effective Interest Rate on Debt % of 4.26% can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Software company?
A good Effective Interest Rate on Debt % depends on the Software industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Payoneer Global and its competitors. Payoneer Global's current Effective Interest Rate on Debt % is 4.26%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Payoneer Global stock overvalued right now?
Payoneer Global (PAYOW) has a current Effective Interest Rate on Debt % of 4.26%. The current Effective Interest Rate on Debt % is 4.26%. Payoneer Global's overall GF Score™ is 76/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Payoneer Global (PAYOW), the current Effective Interest Rate on Debt % is 4.26% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Payoneer Global Business Description

Other Exchanges PAYO:USA915:Germany
Address 195 Broadway, 27th Floor, New York, NY, USA, 10007
Payoneer Global Inc is a financial technology company that enables small and medium-sized businesses (SMBs) to grow internationally through its diversified cross-border payments platform. It connects businesses, professionals, countries, and currencies, reducing the complexity of commerce and enabling customers to pay and get paid as easily as locally. The company offers a financial stack that includes cross-border AR/AP capabilities, funds management, working capital solutions, multicurrency accounts, and workforce management services. Its fully hosted platform provides multiple payment options with minimal integration, along with back-office functions and customer support. The company operates in Israel, the United States, and other countries.
76GF Score

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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