Shift4 vs Payoneer Global
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KIRAβs take AI analyst
I put Shift4 and Payoneer Global side by side, using each oneβs latest annual report. Here is what stands out:
- Shift4 is the larger business, with $4.2B of revenue in fiscal 2025 against $1.1B for Payoneer Global, about 4.0 times as much.
- Shift4 grew revenue faster (25.5%, against 7.7%).
- Payoneer Global kept more of each dollar of sales as operating profit (11.8% operating margin, against 8.4%).
- Payoneer Global turned more of its sales into free cash flow (19.6% FCF margin, against 14.9%).
Who comes out ahead
Of the 7 measures where higher (or lower) is clearly better, how many each company leads.
Shift4
FOUR
4/7
Revenue growth5-year growthReturn on equityShare count change
Payoneer Global
PAYO
3/7
Operating marginNet marginFCF margin
Side by side
Best in the row
| Latest fiscal year | FOUR FY25 | PAYO FY25 |
|---|---|---|
| Size | ||
| Market cap | $48.1M | $2.4B |
| Revenue | $4.2B | $1.1B |
| Free cash flow | $624M | $207M |
| Net income | $119M | $73.2M |
| Growth | ||
| Revenue growth | 25.5% | 7.7% |
| 5-year growth | 40.4% | 25.0% |
| Share count change | β20.1% | β2.5% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | 8.4% | 11.8% |
| Net margin | 2.9% | 7.0% |
| FCF margin | 14.9% | 19.6% |
| Return on capital | 6.5% | β |
| Return on equity | 10.6% | 10.2% |
| Balance sheet | ||
| Net debt | $3.6B | β |
| Net debt / EBITDA | 4.6x | β |
| Dividends and buybacks | $453M | $174M |
| Valuation & quality | ||
| P/E | β | 51.1x |
| Piotroski F-score | 6 | 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.