Payoneer Global Inc. (PAYO) vs Teradata Corporation (TDC)

Payoneer Global Inc. and Teradata Corporation are both Software Infrastructure companies. Teradata Corporation is the larger, with a market value of $2.7B against $2.4B — 1.1× the size. Teradata Corporation trades at the lower P/E: 5.9× against 50.2×. Payoneer Global Inc. grew revenue faster over the last twelve months: 6.31% against 0.96%. Teradata Corporation has the higher net margin (27.1% vs 4.65%) and the higher return on invested capital (35.4% vs 23.2%). Across the 22 metrics below, Teradata Corporation leads on 14 and Payoneer Global Inc. on 8.

Valuation

Metric PAYO TDC Software Infrastructure median
P/E 50.21 5.89 28.02
P/S 2.24 1.61 3.07
P/B 3.70 4.58 3.36
Price to free cash flow 20.89 3.70 17.12
EV/EBITDA 11.08 10.69 14.91
EV/Sales 1.93 1.40 3.03
Earnings yield 1.99% 16.97% 0.13%
Free cash flow yield 4.79% 27.01% 1.15%

Profitability

Metric PAYO TDC Software Infrastructure median
Gross margin 100.00% 60.79% 61.23%
Operating margin 10.38% 7.51% 0.00%
Net margin 4.65% 27.08% 0.00%
Free cash flow margin 10.71% 43.41% 1.67%
Return on equity 7.06% 119.12% 0.59%
Return on assets 0.60% 26.98% 0.00%
Return on invested capital 23.19% 35.44% 0.00%

Growth

Metric PAYO TDC Software Infrastructure median
Revenue growth (TTM) 6.31% 0.96% 13.41%
EPS growth (last fiscal year) (38.71%) 16.38% —
Revenue growth, 5-year CAGR 24.96% (1.96%) 15.81%
Net income growth, 5-year CAGR 0.00% 0.15% 0.00%

Health

Metric PAYO TDC Software Infrastructure median
Debt to equity 0.00 0.08 0.06
Current ratio 1.00 0.91 1.55
Net debt to EBITDA (2.22) 0.03 0.08

Dividend

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

Size

Metric PAYO TDC Software Infrastructure median
Market cap 2.42b 2.74b 835.96m

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