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Payoneer Global cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$62.9M in Q3 2026 · $202M over twelve months

Operating cash flow$67.3M
Capital spending−$4.4M
Free cash flow+$62.9M
Cash / net income4.5×

Analysis

In Q3 2026, Payoneer Global generated $67.3M of operating cash flow and spent $4.4M on capital projects, leaving free cash flow of $62.9M. That is $20.4M more than in Q3 2025 ($42.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $242M; the largest uses were buybacks ($171M), capital spending ($40.1M), acquisitions ($6.5M); besides operations, cash came from other financing ($397M), other investing ($13.8M); the cash balance rose by $434M.

Operating cash flow was $67.3M against net income of $14.9M — 4.5× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$21.4M, stock-based pay +$18.7M, prepaid and other assets −$12.1M.

Free cash flow

Payoneer Global: free cash flow by quarterPayoneer Global: free cash flow by quarter$42.1MQ4 2024$49.0MQ1 2025$68.1MQ2 2025$42.5MQ3 2025$47.0MQ4 2025$41.7MQ1 2026$50.2MQ2 2026$62.9MQ3 2026
Operating cash flow less capital spending.
Payoneer Global: operating cash flow against capital spendingPayoneer Global: operating cash flow against capital spendingOperating cash flowCapital spending$45.9M$3.7MQ4 2024$53.7M$4.7MQ1 2025$70.7M$2.6MQ2 2025$47.5M$5.0MQ3 2025$61.6M$14.6MQ4 2025$51.8M$10.1MQ1 2026$61.2M$11.0MQ2 2026$67.3M$4.4MQ3 2026
Latest (Q3 2026): Operating cash flow $67.3M, Capital spending $4.4M.

Capital allocation, year by year

Payoneer Global: where the cash came from (up) and went (down), by fiscal yearPayoneer Global: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow $20.0MFY2021: Net borrowing −$26.4MFY2021: Shares issued $19.0MFY2021: Capital spending −$6.9M$39.0MFY2021FY2022: Operating cash flow $84.0MFY2022: Shares issued $21.3MFY2022: Capital spending −$10.5M$105MFY2022FY2023: Operating cash flow $159MFY2023: Shares issued $13.2MFY2023: Capital spending −$8.5MFY2023: Buybacks −$55.4M$173MFY2023FY2024: Operating cash flow $177MFY2024: Shares issued $21.1MFY2024: Capital spending −$8.2MFY2024: Acquisitions −$48.2MFY2024: Buybacks −$138M$198MFY2024FY2025: Operating cash flow $233MFY2025: Capital spending −$26.9MFY2025: Acquisitions −$33.1MFY2025: Buybacks −$174M$233MFY2025
Over these 5 years operating cash flow totalled $674M; the largest uses were buybacks ($367M) and acquisitions ($81.3M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$363M
Debtnone
Net cash$363M

Payoneer Global funds itself: free cash flow was $202M over the last twelve months, with $363M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Payoneer Global: sources (+) and uses (−) of cash, Q3 2026Payoneer Global: sources (+) and uses (−) of cash, Q3 2026Other financing−$219MCash drawn (+) / kept (−)$179MOperating cash flow$67.3MOther investing−$23.1MCapital spending−$4.4MBuybacks$146KExchange rates−$5K
Payoneer Global: sources (+) and uses (−) of cash, TTM to Q3 2026Payoneer Global: sources (+) and uses (−) of cash, TTM to Q3 2026Cash drawn (+) / kept (−)−$434MOther financing$397MOperating cash flow$242MBuybacks−$171MCapital spending−$40.1MOther investing$13.8MAcquisitions−$6.5MExchange rates−$1.0M

From profit to cash

Payoneer Global: net income to operating cash flow, Q3 2026Payoneer Global: net income to operating cash flow, Q3 2026Net income$14.9MDepreciation & amortization$21.4MStock-based pay$18.7MReceivables$416KPayables$5.0MDeferred revenue−$353KPrepaid and other assets−$12.1MOther liabilities$11.9MOperating cash flow$67.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$67.3M−$4.4M—$146K—$179M$62.9M
Q2 2026$61.2M−$11.0M—−$17.7M—−$302M$50.2M
Q1 2026$51.8M−$10.1M−$6.5M−$75.0M—$396M$41.7M
Q4 2025$61.6M−$14.6M—−$78.6M—−$707M$47.0M
Q3 2025$47.5M−$5.0M—−$45.3M—−$52.2M$42.5M
Q2 2025$70.7M−$2.6M—−$32.0M—−$394M$68.1M
Q1 2025$53.7M−$4.7M—−$17.8M—$395M$49.0M
Q4 2024$45.9M−$3.7M$1K−$17.1M−$1.9M−$760M$42.1M

Payoneer Global: income statement and cash flow

Payoneer Global, Q3 2026: revenue $277M (+2% year over year), operating margin 9.1%. The chart follows the revenue to costs, profit and cash.

Payoneer Global: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.