Euronet Worldwide, Inc. (EEFT) vs Payoneer Global Inc. (PAYO)

Euronet Worldwide, Inc. and Payoneer Global Inc. are both Software Infrastructure companies. Euronet Worldwide, Inc. and Payoneer Global Inc. are of similar size ($2.4B and $2.4B). Euronet Worldwide, Inc. trades at the lower P/E: 10.3× against 50.2×. Payoneer Global Inc. grew revenue faster over the last twelve months: 6.31% against 5.76%. Euronet Worldwide, Inc. has the higher net margin (6.59% vs 4.65%) and the lower return on invested capital (18.8% vs 23.2%). Across the 21 metrics below, Euronet Worldwide, Inc. leads on 14 and Payoneer Global Inc. on 7.

Valuation

Metric EEFT PAYO Software Infrastructure median
P/E 10.30 50.21 28.02
P/S 0.57 2.24 3.07
P/B 2.00 3.70 3.36
Price to free cash flow 9.17 20.89 17.12
EV/EBITDA 4.40 11.08 14.91
EV/Sales 0.67 1.93 3.03
Earnings yield 9.71% 1.99% 0.13%
Free cash flow yield 10.91% 4.79% 1.15%

Profitability

Metric EEFT PAYO Software Infrastructure median
Gross margin 41.34% 100.00% 61.23%
Operating margin 11.55% 10.38% 0.00%
Net margin 6.59% 4.65% 0.00%
Free cash flow margin 6.19% 10.71% 1.67%
Return on equity 22.11% 7.06% 0.59%
Return on assets 4.42% 0.60% 0.00%
Return on invested capital 18.82% 23.19% 0.00%

Growth

Metric EEFT PAYO Software Infrastructure median
Revenue growth (TTM) 5.76% 6.31% 13.41%
EPS growth (last fiscal year) 6.05% (38.71%) —
Revenue growth, 5-year CAGR 11.32% 24.96% 15.81%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric EEFT PAYO Software Infrastructure median
Debt to equity 2.13 0.00 0.06
Current ratio 1.37 1.00 1.55
Net debt to EBITDA 0.46 (2.22) 0.08

Dividend

Metric EEFT PAYO Software Infrastructure median
Dividend yield — — 1.53%
Payout ratio 0.00 0.00 0.00

Size

Metric EEFT PAYO Software Infrastructure median
Market cap 2.41b 2.42b 835.96m

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