Payoneer GlobalSTU:915 +1.63%56 Piotroski F-Score is 5 as of Jun. 28, 2026, which is at its 10-year median of 5.00. GuruFocus rates STU:915 with a GF Score™ of 56/100 and a GF Value™ of €7.79 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 2,744 Software companies, Payoneer Global ranks better than 59.8% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Payoneer Global has an F-score of 4 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Payoneer Global's Piotroski F-Score or its related term are showing as below:
STU:915'
s Piotroski F-Score Range Over the Past 10 Years
Min: 2 Med: 5 Max: 7
Current: 5
During the past 8 years, the highest Piotroski F-Score of Payoneer Global was 7. The lowest was 2. And the median was 5.
Payoneer Global (STU:915) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Payoneer Global Piotroski F-Score Related Terms
Payoneer Global Piotroski F-Score Historical Data
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The historical data trend for Payoneer Global's Piotroski F-Score 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.
STU:915 vs MQ, APPN, AEVA: Piotroski F-Score Comparison
For the Software - Infrastructure subindustry, Payoneer Global's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Software Industry
For the Software industry and Technology sector, Payoneer Global's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Payoneer Global's Piotroski F-Score falls into.
* 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Payoneer Global's current Net Income (TTM) was 62.1.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Payoneer Global's return on assets of this year was 0.00888959. Payoneer Global's return on assets of last year was 0.01663285.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Payoneer Global's gearing of this year was 0.00876613. Payoneer Global's gearing of last year was 0.00202121.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Payoneer Global's current ratio of this year was 0.99505348. Payoneer Global's current ratio of last year was 0.99729995.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Payoneer Global's number of shares in issue this year was 350.471. Payoneer Global's number of shares in issue last year was 382.215.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Payoneer Global's gross margin of this year was 1. Payoneer Global's gross margin of last year was 1.
==> Last year's gross margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Payoneer Global's asset turnover of this year was 0.10367774. Payoneer Global's asset turnover of last year was 0.11083766.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Payoneer Global has an F-score of 4 indicating the company's financial situation is typical for a stable company.
Payoneer Global (STU:915) has a Piotroski F-Score of 5 as of Jun. 28, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Payoneer Global and its competitors. This is near median its historical median of 5.00. Over the past decade, Payoneer Global's Piotroski F-Score has ranged from 2.00 to 7.00. According to the industry distribution chart, Payoneer Global ranks #1103 out of 2744 companies in the Software industry, placing it in the top 40.2%.
Is Payoneer Global's Piotroski F-Score too high?
Payoneer Global's current Piotroski F-Score of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 7.00. The Software industry median Piotroski F-Score is 5.00. Payoneer Global's value of 5 is 0% at this industry median. Based on the distribution chart, Payoneer Global ranks #1103 out of 2744 companies in the Software industry, which is above the industry midpoint. Overall, Payoneer Global has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Payoneer Global's Piotroski F-Score compare to MQ and APPN?
According to the Software industry distribution chart, Payoneer Global ranks #1103 out of 2744 companies for Piotroski F-Score. This puts Payoneer Global in the upper half of its industry. The industry median Piotroski F-Score is 5.00. Payoneer Global's value of 5 is 0% at this benchmark. Historically, Payoneer Global's own Piotroski F-Score has ranged from 2.00 to 7.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 5.00, Payoneer Global has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Software company?
The median Piotroski F-Score among Software companies is 5.00, based on 2,744 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Payoneer Global's current Piotroski F-Score of 5 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Payoneer Global and its competitors. For the Software industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Payoneer Global's current Piotroski F-Score is 5, which is near median its own 10-year median of 5.00. 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?
Based on GuruFocus' analysis, Payoneer Global (STU:915) is currently considered Modestly Undervalued. The stock's GF Value™ is €7.79, compared to a current price of €6.25 — trading 19.8% below its estimated fair value. The current Piotroski F-Score is 5, which is near median its 10-year median of 5.00 and 0% at the Software industry median of 5.00. Payoneer Global's overall GF Score™ is 56/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Payoneer Global (STU:915), the current Piotroski F-Score is 5 as of Jun. 28, 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.
Is Payoneer Global (STU:915) Overvalued in 2026?
Based on GuruFocus' analysis, Payoneer Global stock appears to be undervalued.
The current stock price of €6.25 is trading 19.8% below its estimated GF Value™ of €7.79.
GuruFocus considers Payoneer Global to be Modestly Undervalued.
Key valuation signals for STU:915:
Piotroski F-Score: 5 (near median its 10-year median of 5.00)
GF Value™: €7.79 vs. price of €6.25 (19.8% below fair value)
Industry Position: 0% at the Software median (#1103 of 2744)
No single metric tells the full story. See the STU:915 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
56GF Score
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Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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