Glacier Bancorp vs Payoneer Global
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KIRAβs take AI analyst
I put Glacier Bancorp and Payoneer Global side by side, using each oneβs latest annual report. Here is what stands out:
- Payoneer Global is the larger business, with $1.1B of revenue in fiscal 2025 against $1.0B for Glacier Bancorp.
- Glacier Bancorp grew revenue faster (23.7%, against 7.7%).
- Glacier Bancorp turned more of its sales into free cash flow (33.7% FCF margin, against 19.6%).
- Investors pay more for each dollar of Payoneer Globalβs earnings: a P/E of 51.1x against 19.7x for Glacier Bancorp.
Who comes out ahead
Of the 6 measures where higher (or lower) is clearly better, how many each company leads.
Glacier Bancorp
GBCI
3/6
Revenue growthNet marginFCF margin
Payoneer Global
PAYO
3/6
5-year growthReturn on equityShare count change
Side by side
Best in the row
| Latest fiscal year | GBCI FY25 | PAYO FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.2B | $2.4B |
| Revenue | $1.0B | $1.1B |
| Free cash flow | $348M | $207M |
| Net income | $239M | $73.2M |
| Growth | ||
| Revenue growth | 23.7% | 7.7% |
| 5-year growth | 5.9% | 25.0% |
| Share count change | 5.9% | β2.5% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | 11.8% |
| Net margin | 23.2% | 7.0% |
| FCF margin | 33.7% | 19.6% |
| Return on capital | β | β |
| Return on equity | 6.4% | 10.2% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $163M | $174M |
| Valuation & quality | ||
| P/E | 19.7x | 51.1x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.