PAYO
Payoneer Global Inc.
PAYO has lower modeled downside risk, despite its lower overall score.
SNDK
Sandisk Corporation
SNDK has the edge over PAYO overall, supported by stronger fundamentals and stronger valuation.
PAYO Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| Healthy | |
| Strong |
PAYO's cash flow and balance sheet are currently healthy, and its revenue and profitability are stable.
SNDK Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| Strong | |
| Strong |
SNDK's revenue, profitability, cash flow and balance sheet are all currently strong.
PAYO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 23x | $3.24 | -55% |
| Fair | 30x | $4.17 | -42% |
| Forward | 31x | $7.18 | — |
| Expensive | 51x | $7.15 | -0.4% |
| Current | 51x | $7.18 | — |
Historical ranges are pointers, not guarantees.
PAYO's PE is in its expensive range at 51x. If earnings grow as analysts expect, today's price would be 31x next year's earnings, in its fair range.
SNDK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 3.8x | $937 | — |
| Current | 7.5x | $937 | — |
| Cheap | 17x | $2,173 | +132% |
| Fair | 24x | $3,048 | +225% |
| Expensive | 59x | $7,452 | +695% |
Historical ranges are pointers, not guarantees.
SNDK has the edge over PAYO in the historical PE scenario, which offers more potential upside but is not a forecast.
PAYO Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for PAYO, with profitability holding steady. However, they disagree widely on these estimates.
SNDK Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| High |
SNDK has the edge over PAYO on the outlook, with more favorable profitability expectations.
PAYO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.23 | +65% |
| Q3 2026 | $0.14 | -18% |
| Q2 2026 | $0.14 | -42% |
| Q1 2026 | $0.20 | -29% |
| Q4 2025 | $0.19 | -39% |
| Q3 2025 | $0.17 | -51% |
| Q2 2025 | $0.24 | -11% |
| Q1 2025 | $0.28 | -6.7% |
| Q4 2024 | $0.31 | +29% |
PAYO's earnings per share have fallen from their peak: $0.14 over the past year, against $0.35 in late 2024.
SNDK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $247.30 | +97% |
| Q3 2026 | $125.61 | +$137.63 |
| Q2 2026 | $73.76 | +$85.07 |
| Q2 2025 | -$11.31 | -$6.65 |
SNDK has the edge over PAYO in the latest year-over-year earnings comparison.
PAYO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $276.9M | +2.2% |
| Q2 2026 | $274.3M | +5.2% |
| Q1 2026 | $261.6M | +6.1% |
| Q4 2025 | $274.7M | +4.9% |
| Q3 2025 | $270.9M | +9.1% |
| Q2 2025 | $260.6M | +8.8% |
| Q1 2025 | $246.6M | +8.1% |
| Q4 2024 | $261.7M | +17% |
PAYO's revenue has grown year over year every quarter since early 2021: $277M last quarter, up 2.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.1% | -4.4 points |
| Q2 2026 | 6.2% | -5.4 points |
| Q1 2026 | 11% | -0.4 points |
| Q4 2025 | 11% | -0.6 points |
| Q3 2025 | 13% | -0.7 points |
| Q2 2025 | 12% | -7.8 points |
| Q1 2025 | 12% | -4.9 points |
| Q4 2024 | 11% | -0.3 points |
PAYO's operating margin was 9.1% last quarter, down 4.4 points from the same quarter a year ago.
SNDK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $11B | +378% |
| Q2 2026 | $9B | +372% |
| Q1 2026 | $6B | +251% |
| Q4 2025 | $3B | +61% |
| Q3 2025 | $2.3B | +23% |
| Q2 2025 | $1.9B | +8% |
| Q1 2025 | $1.7B | -0.6% |
| Q4 2024 | $1.9B | +13% |
SNDK's revenue has grown year over year for six quarters in a row: $11B last quarter, up 378% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 80% | +72 points |
| Q2 2026 | 78% | +78 points |
| Q1 2026 | 69% | +180 points |
| Q4 2025 | 35% | +25 points |
| Q3 2025 | 7.6% | -9 points |
| Q2 2025 | 0.9% | N/A |
| Q1 2025 | -111% | -122 points |
| Q4 2024 | 10% | +6.6 points |
SNDK has the edge over PAYO on profitability, with a higher operating margin.
PAYO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $62.9M | +28% |
| Q2 2026 | $50.2M | -26% |
| Q1 2026 | $41.7M | -15% |
| Q4 2025 | $40.3M | -4.3% |
| Q3 2025 | $49.2M | +1.5% |
| Q2 2025 | $68.1M | +69% |
| Q1 2025 | $49M | +29% |
| Q4 2024 | $42.1M | -22% |
PAYO generated $195M in free cash flow over the past year, down 6.4% from the year before.
SNDK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $6.3B | +1340% |
| Q2 2026 | $7.1B | +14355% |
| Q1 2026 | $3B | +$3B |
| Q3 2025 | $438M | +$636M |
| Q2 2025 | $49M | +$217M |
| Q1 2025 | -$18M | +$23M |
| Q3 2024 | -$198M | -$157M |
SNDK has the edge over PAYO on cash flow, with more consistent year-over-year improvement.
PAYO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.7% | +12.6M shares |
| 1 year | -7.3% | -27.6M shares |
| 3 years | -8.3% | -31.8M shares |
| 5 years | +3% | +10.3M shares |
| Available history | +3.5% | +11.7M shares |
PAYO has the edge over SNDK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $146,000 |
| Q2 2026 | $17.7M |
| Q1 2026 | $75M |
| Q4 2025 | $78.6M |
| Q3 2025 | $45.3M |
| Q2 2025 | $32M |
| Q1 2025 | $17.8M |
| Q4 2024 | $17.1M |
PAYO spent $171M buying back its own shares over the past year, up 53% from the year before.
SNDK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -1M shares |
| 1 year | +3.4% | +5M shares |
| 3 years | +6.9% | +10M shares |
SNDK has 154M diluted shares, up 3.4% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $5B |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
PAYO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.0x | Net Cash |
| Q2 2026 | -1.8x | Net Cash |
| Q1 2026 | -1.7x | Net Cash |
| Q4 2025 | -2.2x | Net Cash |
| Q3 2025 | -2.6x | Net Cash |
| Q2 2025 | -2.8x | Net Cash |
| Q1 2025 | -2.7x | Net Cash |
| Q4 2024 | -2.5x | Net Cash |
PAYO has the edge over SNDK on leverage, with a lower net debt burden relative to earnings.
SNDK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.2x | Net Cash |
| Q2 2026 | -0.4x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
SNDK has more cash than debt.
PAYO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 65.0 | Neutral |
| Stochastic | 73.8 | Neutral |
PAYO's weekly RSI is 65 (neutral) and its Stochastic is 74 (neutral).
SNDK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.2 | Neutral |
| Stochastic | 10.6 | Oversold |
SNDK's weekly RSI is 40 (neutral) and its Stochastic is 11 (oversold).
PAYO PE vs Technology Sector
| Metric | PAYO | Sector median | Relative |
|---|---|---|---|
| PE | 51x | 28x | 84% above |
| PE % | 86 | 38 | 48 pts above |
PAYO is trading at 51x earnings, a 84% premium to the Technology sector's median of 28x.
SNDK PE vs Technology Sector
| Metric | SNDK | Sector median | Relative |
|---|---|---|---|
| PE | 7.5x | 28x | 73% below |
| PE % | 4 | 27 | 23 pts below |
SNDK has the edge over PAYO on valuation relative to its sector.
PAYO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $7.15 | 0.4% above |
| 20 week MA | $7.13 | 0.7% above |
| 50 week MA | $6.11 | 18% above |
| 100 week MA | $6.72 | 6.8% above |
| 200 week MA | $6.36 | 13% above |
PAYO has stronger trend alignment. PAYO is above 5 of 5 weekly averages versus SNDK above 0 of 3.
SNDK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,317.5 | 29% below |
| 20 week MA | $1,465.4 | 36% below |
| 50 week MA | $1,119.6 | 16% below |
SNDK is in a downtrend: it's below all three of its weekly moving averages, and 16% below its 50-week average.
PAYO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.68 | $10.3 | +6.1% |
| 2021 | $10.3 | $6.89 | -33% |
| 2022 | $6.89 | $5.08 | -26% |
| 2023 | $5.08 | $5.21 | +2.6% |
| 2024 | $5.21 | $10.0 | +92% |
| 2025 | $10.0 | $5.71 | -43% |
| 2026 YTD | $5.71 | $7.18 | +26% |
PAYO has finished lower in three of the last six years. It's up 26% so far in 2026.
SNDK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $50.4 | $250.1 | +396% |
| 2026 YTD | $250.1 | $937.5 | +275% |
SNDK has the edge over PAYO on returns for 2026, with the stronger performance.