Welcome to our dedicated page for Payoneer Global SEC filings (Ticker: PAYO), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Payoneer Global Inc. (NASDAQ: PAYO) SEC filings page provides access to the company’s official regulatory disclosures as filed with the U.S. Securities and Exchange Commission. As a Delaware corporation with Commission File Number 001-40547, Payoneer submits annual, quarterly, and current reports that describe its financial performance, risk factors, and operational metrics as a financial technology platform for cross-border business and global payments.
Investors can review annual reports on Form 10-K and quarterly reports on Form 10-Q to understand Payoneer’s revenue composition, interest income on customer balances, transaction costs, operating expenses, and non-GAAP measures such as adjusted EBITDA. The company explains how adjusted EBITDA is calculated by adjusting net income or loss to exclude items like M&A-related expense or income, stock-based compensation, restructuring charges, certain financial gains or losses, income taxes, and depreciation and amortization.
Current reports on Form 8-K include items such as earnings press releases. For example, Payoneer has filed an 8-K to furnish its press release announcing financial results for the quarter ended September 30, 2025. These filings often contain detailed tables on revenues, volume, take rate, SMB customer revenue, and other operational metrics, as well as discussions of forward-looking statements and associated risks.
Form 8-K exhibits and other SEC documents also reference key definitions used by the company, including volume and ARPU (Average Revenue Per User), and outline risk factors such as changes in laws or regulations, geopolitical events, and legal or regulatory proceedings. Through this page, users can follow Payoneer’s regulatory history, track updates to its financial guidance as disclosed in filings, and review the official language around its cross-border payments platform, SMB focus, and non-GAAP financial measures.
Stock Titan’s interface can pair these filings with AI-powered summaries that explain complex sections, highlight important changes across reporting periods, and surface items such as earnings releases and other material events, helping users interpret PAYO’s SEC disclosures more efficiently.
Payoneer Global Inc. executive Michal Fridman, SVP Finance, has filed an initial ownership report showing beneficial ownership of 203,615 shares of Common Stock. This total includes shares underlying restricted stock units that vest over time if she remains in continuous service.
According to the vesting schedule, one-fourth of these restricted stock units vests on the first anniversary of the grant date or a shorter approved period, with the remaining units vesting in roughly 1/16 installments each quarter. This filing does not reflect a new purchase or sale, but rather discloses her existing equity position and its time-based vesting structure.
Payoneer Global Inc: The Vanguard Group filed an amended Schedule 13G/A disclosing zero shares beneficially owned and 0% of Payoneer common stock. The filing notes an internal realignment effective January 12, 2026 that led certain Vanguard subsidiaries to report holdings separately. The filing is signed by Ashley Grim on 03/27/2026.
Payoneer Global Inc. Chief Accounting Officer Itai Perry reported a Form 4 transaction involving company common stock. On the RSU vesting date, 1,014 shares were disposed at $5.41 per share to cover his tax obligation, not as an open market sale. Following this tax-withholding disposition, he directly holds 175,266 shares of Payoneer common stock.
Payoneer Global Inc. Chief Financial Officer Beatrice Ordonez reported a tax-related share disposition tied to equity compensation. On February 25, 2026, 13,210 shares of common stock were withheld at $5.41 per share to cover taxes from vested restricted stock units, and this was not an open-market sale. After this withholding, she directly owned 3,012,569 common shares.
Payoneer Global Inc. Chief Legal & Governance Officer Tsafi Goldman reported two tax-related share dispositions linked to vested restricted stock units. On February 25 and 26, a total of 13,518 shares of common stock were withheld at $5.41 per share to cover tax obligations, and not sold in the open market. After these withholding transactions, Goldman continued to hold more than 1.05 million shares of Payoneer common stock directly.
Payoneer Global Inc. Chief Executive Officer John Caplan reported two tax-withholding stock transactions related to vested restricted stock units. On February 26, 2026, 69,125 shares of common stock were withheld at $5.24 per share, and on February 25, 2026, 27,740 shares were withheld at $5.41 per share.
According to the footnote, these shares were withheld solely to cover the reporting person’s tax obligations from RSU settlement and do not represent open market sales. The transactions are coded "F," indicating payment of tax liability by delivering securities rather than discretionary selling.
Payoneer Global Inc. files its annual report describing a global fintech platform focused on cross‑border payments for nearly 2 million small and medium‑sized business customers in over 190 countries. The company offers multi‑currency accounts, cards, checkout, working capital and workforce management services.
For the year ended December 31, 2025, volume reached $87.5 billion and revenue was $1,052.8 million, up 9% and 8% from 2024. Payoneer emphasizes its broad regulatory licenses across major markets, strong compliance and AML/CTF programs, and reliance on close to 100 banking and payment partners globally.
The filing highlights key risks, including intense competition in payments, sensitivity to interest rates, exposure to geopolitical events (such as conflicts in Israel, Ukraine and trade tariffs), dependence on large marketplaces like Amazon, cybersecurity and data‑privacy obligations, and evolving global regulations that could affect growth, margins and operations.
Payoneer Global Inc. reported solid growth for 2025 while reshaping its business toward higher-margin revenue. Total 2025 revenue reached $1,052.8 million, up 8% from 2024, with revenue excluding interest income rising 14% to $821.2 million. Interest income declined 10% to $231.6 million as yields moderated.
Full-year net income fell to $73.2 million from $121.2 million, while adjusted EBITDA was roughly flat at $271.7 million. However, adjusted EBITDA excluding interest income jumped 192% to $40.0 million, highlighting improving underlying profitability. Payment volume grew 9% to $87.5 billion, and average revenue per user increased 15% to $488.
The company repurchased $175 million of stock, about 8% of shares outstanding, and ended 2025 with $415.5 million in cash and cash equivalents. For 2026, Payoneer guides to $1,090–$1,130 million in total revenue, revenue ex. interest of $900–$940 million, and adjusted EBITDA ex. interest of $85–$95 million, more than double 2025.
Payoneer Global Inc. reported that Chief Legal & Governance Officer Tsafi Goldman acquired new equity awards in the form of restricted stock units (RSUs) tied to company common stock. On February 20, 2026, Goldman received 377,516 RSUs under the annual incentive equity cycle at no cash cost.
One-fourth of these RSUs will vest on February 18, 2027, with the rest vesting in roughly 1/16 installments each quarter, contingent on continued service. An additional 47,773 RSUs resulted from the conversion of performance stock units after performance certification; 25% vested immediately on the certification date and the balance will vest in 12 equal quarterly installments, also subject to continued service.
Payoneer Global Inc. reported that Chief Executive Officer John Caplan acquired company common stock through equity awards, not open-market purchases. He received 1,069,630 shares underlying new time-based restricted stock units granted as part of the annual incentive equity cycle, and 200,645 shares from performance stock units that converted into time-based RSUs after performance goals were certified. These RSUs vest over several years, contingent on his continued service.