Payoneer Global Inc. (PAYO) vs StoneCo Ltd. (STNE)

Payoneer Global Inc. and StoneCo Ltd. are both Software Infrastructure companies. Payoneer Global Inc. and StoneCo Ltd. are of similar size ($2.4B and $2.3B). StoneCo Ltd. trades at the lower P/E: 3.7× against 50.2×. StoneCo Ltd. grew revenue faster over the last twelve months: 8.71% against 6.31%. StoneCo Ltd. has the higher net margin (24.1% vs 4.65%) and the higher return on invested capital (27.2% vs 23.2%). Across the 22 metrics below, StoneCo Ltd. leads on 19 and Payoneer Global Inc. on 3.

Valuation

Metric PAYO STNE Software Infrastructure median
P/E 50.21 3.68 28.02
P/S 2.24 0.83 3.07
P/B 3.70 1.25 3.36
Price to free cash flow 20.89 3.06 17.12
EV/EBITDA 11.08 2.32 14.91
EV/Sales 1.93 1.31 3.03
Earnings yield 1.99% 27.20% 0.13%
Free cash flow yield 4.79% 32.72% 1.15%

Profitability

Metric PAYO STNE Software Infrastructure median
Gross margin 100.00% 73.59% 61.23%
Operating margin 10.38% 49.68% 0.00%
Net margin 4.65% 24.12% 0.00%
Free cash flow margin 10.71% 27.20% 1.67%
Return on equity 7.06% 33.67% 0.59%
Return on assets 0.60% 6.10% 0.00%
Return on invested capital 23.19% 27.16% 0.00%

Growth

Metric PAYO STNE Software Infrastructure median
Revenue growth (TTM) 6.31% 8.71% 13.41%
EPS growth (last fiscal year) (38.71%) 265.22% —
Revenue growth, 5-year CAGR 24.96% 31.53% 15.81%
Net income growth, 5-year CAGR 0.00% 20.77% 0.00%

Health

Metric PAYO STNE Software Infrastructure median
Debt to equity 0.00 1.80 0.06
Current ratio 1.00 1.26 1.55
Net debt to EBITDA (2.22) 1.18 0.08

Dividend

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

Size

Metric PAYO STNE Software Infrastructure median
Market cap 2.42b 2.26b 835.96m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack