PAYOW (Payoneer Global) Moat Score: 5/10 (As of Jul. 06, 2026)


PAYOW Payoneer Global Inc PAYOW
68 GF Score
Price $0.73
! 7 Warning Signs
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What is Payoneer Global Moat Score?

Payoneer Global PAYOW 68 Moat Score is 5 as of Jul. 06, 2026. GuruFocus rates PAYOW with a GF Score™ of 68/100. The stock has 7 warning signs investors should review. Among 2,837 Software companies, Payoneer Global ranks better than 94.78% on this metric.

Payoneer Global has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Payoneer Global has Narrow Moat: Payoneer benefits from network effects and a solid brand in the cross-border payments space. It has some customer switching costs and a growing distribution network, but lacks the scale and regulatory barriers of a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Payoneer Global might have Narrow Moat - Solid narrow moat.

Payoneer Global  (NAS:PAYOW) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Payoneer Global Moat Score Related Terms

PAYOW vs NN, AVPT, ATEN: Moat Score Comparison

For the Software - Infrastructure subindustry, Payoneer Global's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Software Industry

For the Software industry and Technology sector, Payoneer Global's Moat Score distribution charts can be found below:

* The bar in red indicates where Payoneer Global's Moat Score falls into.


PAYOW
68GF Score
Payoneer Global Inc PAYOW
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Payoneer Global (PAYOW) has a Moat Score of 5 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Payoneer Global ranks #148 out of 2837 companies in the Software industry, placing it in the top 5.2%.
Is Payoneer Global's Moat Score too high?
Payoneer Global's current Moat Score is 5. Based on the distribution chart, Payoneer Global ranks #148 out of 2837 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Payoneer Global has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Payoneer Global's Moat Score compare to NN and AVPT?
According to the Software industry distribution chart, Payoneer Global ranks #148 out of 2837 companies for Moat Score. This places Payoneer Global in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Payoneer Global's current Moat Score is 5. 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 Moat Score of 5. The current Moat Score is 5. Payoneer Global's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Payoneer Global (PAYOW), the current Moat Score is 5 as of Jul. 06, 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.
68GF Score

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