Core Insights - Payoneer Global is a financial technology company focused on secure cross-border payments, digital money transfers, and global payroll solutions, operating in over 190 countries and supporting more than 150 currencies [1][2] Financial Performance - In Q3 2025, Payoneer reported revenue of $271 million, a 9% year-over-year increase, with adjusted earnings of $0.04 per share, slightly below analyst expectations [4] - Revenue excluding interest income grew 15% year-over-year to $211 million, driven by increased transaction volumes and strategic pricing [4] - The adjusted EBITDA margin was 26%, indicating strong operational efficiency [4] Cash Position and Investments - The company maintains a robust cash reserve of approximately $479 million and has generated positive free cash flow, allowing for ongoing investments and share repurchases totaling $45 million year-to-date in 2025 [5] Market Outlook - For Q4, Payoneer anticipates continued revenue growth, supported by the expansion of global e-commerce and cross-border payments, alongside a rising client base [6] - The company aims to leverage increased demand for digital payment solutions and broader fintech adoption while managing costs to sustain profitability [6] Institutional Interest - Bridgewater Associates has acquired a new position in Payoneer Global, purchasing 953,754 shares in Q3 2025, reflecting confidence in Payoneer's growth potential in the cross-border fintech space [7]