Payoneer Global Earnings Call Transcripts
Fiscal Year 2026
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Q1 saw accelerating growth in revenue and B2B volumes, with strong profitability and robust performance across all major regions. Guidance for 2026 was raised, reflecting confidence in continued momentum, especially in B2B and new product initiatives.
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Delivered record $1 billion revenue in 2025 with strong EBITDA and free cash flow, driven by a strategic shift to high-value SMBs, operational efficiencies, and innovative product offerings like stablecoin and workforce management. Active share buybacks and disciplined capital allocation reinforce long-term growth.
Fiscal Year 2025
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Record 2025 results driven by strong B2B and enterprise growth, margin expansion, and strategic investments in AI and stablecoin. 2026 guidance calls for double-digit revenue growth, margin improvement, and continued upmarket focus, with buybacks and hedging supporting financial resilience.
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Marketplace volumes remain soft, but B2B and card products are driving growth, with strong expansion in APAC and LATAM. The business is shifting to dynamic pricing, focusing on upmarket customers, and plans to launch stablecoin wallet functionality in 2026.
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Record Q3 results with 15% revenue growth ex interest, strong B2B expansion, and rising ARPU. Customer funds held grew 17% YoY, supporting higher interest income, and 2025 guidance was raised for both revenue and adjusted EBITDA.
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A segment-focused strategy has driven double-digit revenue growth, higher customer balances, and improved profitability. Product innovation, key partnerships, and regulatory wins in China are fueling expansion, while disciplined capital allocation and strong cash flow support ongoing growth and shareholder returns.
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Delivered record Q2 revenue ex interest income (up 16% YoY) and strong B2B growth, with adjusted EBITDA margin at 25%. Raised 2025 guidance, expanded partnerships, and advanced stablecoin and blockchain initiatives.
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Benefiting from global commerce trends, the firm has achieved strong revenue and EBITDA growth, expanded its product suite, and deepened its presence in high-growth regions. With a focus on upmarket clients, robust cash generation, and rising take rates, it targets continued profitable expansion.
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Celebrating 20 years, the firm has evolved to focus on B2B cross-border payments, achieving strong revenue growth and profitability. Strategic partnerships, product innovation, and a disciplined customer focus drive expansion, especially in APAC and Latin America.
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Revenue excluding interest income grew 16% year-over-year, with adjusted EBITDA at $65 million and a 27% margin. Full-year 2025 guidance was suspended due to tariff-related uncertainty, with a potential $50 million revenue headwind if current trade policies persist.
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Record 2024 results were driven by strong B2B and marketplace growth, improved profitability, and strategic expansion into new products and geographies. Guidance for 2025 targets 15% revenue growth and tripled core business profitability, with continued focus on higher-value customers and product attachment.
Fiscal Year 2024
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Record 2024 results featured 20% revenue growth (ex-interest), 42% B2B volume growth, and a 28% adjusted EBITDA margin. 2025 guidance targets 15% core revenue growth, 25% adjusted EBITDA margin, and continued expansion in B2B and high-value products.
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Record Q3 with 25% volume and 19% revenue growth, driven by 57% B2B volume surge and strong marketplace gains. Raised 2024 guidance for revenue and EBITDA, with robust margins and continued market share expansion, while preparing for lower interest income in 2025.
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Strong quarterly results were driven by growth in marketplace payouts, B2B, and card usage, with strategic expansion into payroll and workforce management. The business is focused on high-value customer acquisition, pricing optimization, and disciplined capital allocation to sustain profitable growth.
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Record Q2 results featured 16% revenue growth, 22% volume growth, and a 30% adjusted EBITDA margin, driven by strong B2B and marketplace performance. Full-year guidance was raised, with continued investment in product innovation and the acquisition of Skuad to enhance payroll capabilities.
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Payoneer is accelerating growth by serving underserved SMBs globally with a comprehensive financial stack, achieving strong volume and revenue growth, especially in B2B payments. The company leverages a robust competitive moat, rising take rates, and a strong cash position to pursue further expansion and innovation.