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Mar 31

Payoneer Q1 2025 Earnings Report

Payoneer reported strong revenue growth and profitability in Q1 2025, with a solid performance across B2B and Card products.

Key Takeaways

Payoneer delivered a strong first quarter with 16% YoY growth in revenue excluding interest income, fueled by higher ARPU and solid uptake of B2B and Card services. Net income rose sequentially despite macro uncertainties.

Total Revenue
$247M
Previous year: $228M
+8.1%
EPS
$0.05
Previous year: $0.08
-37.5%
Payment Volume
$19.7B
Previous year: $18.5B
+6.5%
Active ICPs
556K
Previous year: 530K
+4.9%
Take Rate
1.25%
Previous year: 1.24%
+0.8%
Cash and Equivalents
$524M
Previous year: $6.52B
-92.0%
Total Assets
$7.55B
Previous year: $6.8B
+11.1%

Payoneer

Payoneer

Payoneer Revenue by Segment

Payoneer Revenue by Geographic Location

Forward Guidance

Payoneer suspended its FY 2025 guidance due to macroeconomic uncertainty, citing a wide range of potential outcomes affecting cross-border businesses.

Positive Outlook

  • Strong ARPU growth sustained across key segments.
  • Ongoing expansion in complex international markets like China.
  • Solid growth in B2B and Card product franchises.
  • $6.6 billion in customer funds under management.
  • Strategic acquisition of Easylink to strengthen China presence.

Challenges Ahead

  • Suspension of FY 2025 guidance due to macro uncertainty.
  • Potential negative impact from shifting global trade dynamics.
  • Interest income declined 11% YoY.
  • Revenue growth slower compared to previous quarters.
  • Significant reduction in share repurchase activity YoY.