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Sep 30, 2024

Payoneer Q3 2024 Earnings Report

Payoneer reported record quarterly volume and revenue, with significant profitability.

Key Takeaways

Payoneer delivered record quarterly volume and revenue, and significant profitability in the third quarter of 2024. The company is building a full-service financial stack for global cross-border SMBs and accelerating growth and profitability across its business.

Record quarterly volume driven by 57% B2B growth.

Revenue growth excluding interest income accelerated to 24%.

Active ICP growth increased to 11% year-over-year.

Spend on Payoneer cards grew by 41% year-over-year.

Total Revenue
$248M
Previous year: $208M
+19.3%
EPS
$0.11
Previous year: $0.03
+266.7%
Gross Profit
$197M
Previous year: $171M
+15.3%
Cash and Equivalents
$6.1B
Previous year: $593M
+927.9%
Free Cash Flow
$48.5M
Previous year: $39.5M
+22.7%
Total Assets
$7.05B
Previous year: $6.22B
+13.4%

Payoneer

Payoneer

Forward Guidance

Payoneer is increasing its 2024 guidance to reflect strong third quarter performance, with higher expectations for both growth and profitability for the final quarter of the year.

Positive Outlook

  • Revenue between $950 million and $960 million.
  • Transaction costs of approximately 16.0% of revenue.
  • Adjusted EBITDA between $255 million and $265 million.
  • Executing on strategic priorities.
  • Repurchase of 25 million outstanding public warrants underscores conviction in ability to create long term value for shareholders.