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Payoneer 发布 2026 年第二季度财务业绩

发生了什么

Payoneer 公布第二季度收入 2.743 亿美元，同比增长 5%；总交易量 237 亿美元，同比增长 15%。B2B 交易量增长 48% 至 43 亿美元，企业付款量增长 22% 至 66 亿美元，Checkout 交易量增长 52% 至 3.32 亿美元。Nuvei 拟以 27.5 亿美元收购 Payoneer 的交易仍须股东和监管批准，预计于 2027 年年中完成；交易待定期间，Payoneer 已撤回财务指引。

发布 2026年8月6日作者 Official source来源 Payoneer investor relations and filings

关键数字

Payoneer 公布第二季度收入 2.743 亿美元，同比增长；总交易量 237 亿美元，同比增长 15%

15%

Payoneer 公布第二季度收入 2.743 亿美元，同比增长 5%；总交易量 237 亿美元，同比增长

48%

B2B 交易量增长至 43 亿美元，企业付款量增长 22% 至 66 亿美元，Checkout 交易量增长 52% 至 3.32 亿美元

22%

B2B 交易量增长 48% 至 43 亿美元，企业付款量增长至 66 亿美元，Checkout 交易量增长 52% 至 3.32 亿美元

接下来关注什么

接下来关注 Payoneer是否披露各市场的可用时间、定价、首批客户、支持轨道和实际使用量。

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官方来源: Payoneer investor relations and filings ↗
日期核验: 已核验 · 2026年8月6日
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Payoneer 发布 2026 年第二季度财务业绩

证据等级：A1 证据类型：官方一手信息来源：Payoneer investor relations and filings 官方发布日期：2026-08-06 采集时间：2026-08-30T12:35:36.113Z

收入排除利息增长 10% 在 B2B 加速推动下，销量增长 15%，同比增长 48% Payoneer 宣布已与 Nuvei 达成收购协议，于 2026 年 6 月 15 日生效

, /美通社/ -- Payoneer 全球公司（“Payoneer” 或“公司”）(NASDAQ: PAYO)，这家推动跨境业务增长的全球金融科技公司，今日公布截至 2026 年 6 月 30 日的第二季度财务业绩。

2026年第二季度财务亮点

<table><tbody><tr><td colspan="1" rowspan="1">（除非另有说明，否则以毫米为单位）</td><td colspan="1" rowspan="1">2Q 2025</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">3Q 2025</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">4Q 2025</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">1Q 2026</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">2Q 2026</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">YoY 变更</td></tr><tr><td colspan="1" rowspan="1">收入（不含利息）收入</td><td colspan="1" rowspan="1"><money>$202.3</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$211.4</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$218.9</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$210.1</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$222.2</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">10 %</td></tr><tr><td colspan="1" rowspan="1">利息收入</td><td colspan="1" rowspan="1">58.3</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">59.5</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">55.8</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">51.5</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">52.1</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(11) %</td></tr><tr><td colspan="1" rowspan="1">收入</td><td colspan="1" rowspan="1"><money>$260.6</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$270.9</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$274.7</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$261.6</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$274.3</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">5 %</td></tr><tr><td colspan="1" rowspan="1">交易成本占百分比收入</td><td colspan="1" rowspan="1">15.6 %</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">15.7 %</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">15.6 %</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">13.5 %</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">13.7 %</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(190) bps</td></tr><tr><td colspan="1" rowspan="1">净收入</td><td colspan="1" rowspan="1"><money>$19.5</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$14.1</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$19.0</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$19.6</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(<money>$2.4</money>)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">N/A</td></tr><tr><td colspan="1" rowspan="1">已调整 EBITDA</td><td colspan="1" rowspan="1">66.4</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">71.3</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">68.5</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">69.4</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">71.4</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">7 %</td></tr><tr><td colspan="1" rowspan="1"> 调整后的 EBITDA（不含利息收入） </td><td colspan="1" rowspan="1">8.1 </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">11.7 </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">12.8 </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">17.9 </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">19.3 </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">138 % </td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">运营 Metrics</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">音量（十亿）</td><td colspan="1" rowspan="1"><money>$20.7</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$22.3</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$24.8</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$22.8</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$23.7</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">15 %</td></tr><tr><td colspan="1" rowspan="1">每用户平均收入 (ARPU)1</td><td colspan="1" rowspan="1"><money>$ 452</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$ 471</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$ 488</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$ 513</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"><money>$533</money></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">18 %</td></tr><tr><td colspan="1" rowspan="1">收入占成交额的百分比（“提取率”）</td><td colspan="1" rowspan="1">126 个基点</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">121 bps</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">111 bps</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">115 bps</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">116 bps</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(10) bps</td></tr><tr><td colspan="1" rowspan="1">SMB 客户取走 rate2</td><td colspan="1" rowspan="1">120 比特率</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">121 比特率</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">113 比特率</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">120 比特率</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">118 bps</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(2) bps</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr></tbody></table> <table><tbody><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">1.</td><td colspan="1" rowspan="1">请参考“附加信息和定义”以获取ARPU的描述.</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">2.</td><td colspan="1" rowspan="1">中小企业(SMB)客户采用率代表来自在市场上销售的中小企业、B2B中小企业的收入，以及结账（以前称为 <org value="ACORN:2097339395" idsrc="xmltag.org"> 商户服务 </org>），按各自渠道的相关成交量划分。 </td> <td colspan="1" rowspan="1"> </td> <td colspan="1" rowspan="1"> </td> </tr> </tbody> </table>

Payoneer的第二季度业绩反映了我们业务的实力和团队的执行力：剔除利息后的收入实现两位数增长，ARPU持续扩大，B2B交易量增长进一步加速至48%。我们在数十年中建立了高度差异化的资产，包括用于跨境商业的专门基础设施、随着规模扩大而强化的网络效应，以及与数百万全球企业建立的深厚关系，这些企业信任我们推动其增长。

在六月，我们宣布达成协议，被Nuvei收购。此次交易验证了我们团队打造的业务实力，通过结合互补的平台，我们将打造一个支持全球大规模商业的金融基础设施领导者。

约翰·卡普兰，首席执行官

2026年第二季度业务亮点（除非另有说明）

剔除利息收入的收入同比增长10%，主要受B2B交易量进一步加速推动的15%交易量增长驱动。
交易量为237亿美元，同比增长15%，反映如下：
- 在市场上销售的中小企业（SMB）交易量为124亿美元，同比增长2%。
- B2B交易量为43亿美元，同比增长48%，主要受各主要地区强劲增长以及持续获得大型客户的动力推动，尤其是在中国和欧洲、中东及非洲地区（EMEA）。
- 结账交易量为3.32亿美元，同比增长52%。
- 企业支付交易量为66亿美元，同比增长22%。
中小企业客户收入为2.01亿美元，同比增长10%，反映如下：
- 在市场上销售的中小企业(SMBs)收入为1.19亿美元，同比增长2%。
- B2B中小企业收入为6900万美元，同比增长18%。
- 结账收入为1300万美元，同比增长51%。
每用户平均收入(ARPU)增长18%，扣除利息收入后的每用户平均收入增长22，这是连续第八个季度扣除利息收入后的每用户平均收入增长超过20%。
截至2026年6月30日，客户资金（包括短期和长期资金）为77亿美元。客户资金同比增长10%，部分抵消了利率下降对同比利息收入的影响。
2026年第二季度以每股4.91美元的加权平均价格回购了价值1600万美元的股份。在第二季度，Payoneer因与Nuvei拟议交易的关系暂停了其股份回购计划，并且在交易仍在等待处理期间不打算恢复回购。
2026年7月28日，根据《哈特-斯科特-罗迪诺反垄断改进法》（HSR法案）提前终止了与Nuvei拟议交易的等待期。

与Nuvei的拟议交易 如2026年6月15日先前公告的，Payoneer已签订最终协议，根据该协议，依据加拿大法律注册成立的公司Neon Maple Parent Inc.（“Nuvei”）将收购Payoneer。根据协议条款，Nuvei将以每股现金7.40美元的价格收购Payoneer Global Inc.已发行和未发行的所有普通股，总交易股权价值约为27.5亿美元。该交易预计于2027年中期完成，但需获得Payoneer股东的批准、取得所需的监管批准以及满足其他惯常的交割条件。

交易完成后，Payoneer 的股票将不再在纳斯达克交易，Payoneer 将成为私人公司。

有关与 Nuvei 拟议交易的更多信息，请参阅公司于 2026 年 6 月 15 日向美国证券交易委员会（“SEC”）提交的当前报告 Form 8-K。

**即将发布的投资者沟通和财务前景 **鉴于与 Nuvei 潜在的私有化交易，Payoneer 将暂停收益电话会议以及提供财务指导的惯例，因此撤回截至 2026 年 12 月 31 日的年度财务前景，以及我们的中长期目标。

有关 Payoneer 财务表现的进一步细节和讨论，请参阅 Payoneer 截至 2026 年 6 月 30 日季度的 Form 10-Q 季度报告，该报告将于今天晚些时候提交给美国证券交易委员会（SEC）。公司计划继续提供季度财报，并将在交易完成之前继续向 SEC 提交报告。

关于 Payoneer

Payoneer 是用于跨境业务和全球支付的金融平台。Payoneer 为数百万企业提供他们在全球范围内自信地发展和交易所需的金融工具和服务。Payoneer 使企业，尤其是新兴市场的企业，更容易连接全球经济，跨境支付和收款，管理多种货币的资金，并发展他们的业务。

前瞻性声明

本新闻稿包含1995年《私人证券诉讼改革法》（以下简称“该法”）意义下的前瞻性声明。除本新闻稿中包含的历史信息外，本新闻稿中讨论的事项包含涉及风险和不确定性的前瞻性声明。此类声明在该法的“安全港”保护下提供。在某些情况下，您可以通过包含诸如“可能”、“将要”、“应当”、“预计”、“计划”、“定位”、“预期”、“可能”、“意图”、“目标”、“方案”、“考虑”、“相信”、“估计”、“预测”、“潜在”或“继续”，或这些词的否定形式，或其他类似用语或表达的声明来识别前瞻性声明，这些声明涉及我们的期望、战略、计划或意图。前瞻性声明包括但不限于关于过渡及我们高级管理团队近期变动影响的声明；关于我们产品需求预期和现金流生成的声明；关于我们产品和平台的改进与扩展，以及新产品推出的声明；关于未来经营业绩的声明，包括收入、销量、增长机会、费用变动、实现效率的能力、未来支出和增量投资、业务趋势、我们实现利润的能力，以及为股东带来增长和价值的能力；以及关于外汇汇率的假设。

前瞻性声明的性质在于涉及不同程度的不确定事项，例如有关公司、Nuvei 与 Panda Acquisition Sub Inc.（“合并协议”）于2026年6月12日签署的《合并协议及计划》中所设想交易（“交易”）的声明，包括完成交易的预期时间段。所有此类前瞻性声明均基于当前的计划、估计、预期和目标，而这些计划、估计、预期和目标受到风险、不确定性和假设的影响，其中许多超出公司的控制范围，可能导致实际结果与前瞻性声明中表达的情况有重大差异。可能导致实际结果发生重大差异的关键因素包括但不限于预期交易完成的时间和可能性，包括交易所需的任何政府和监管批准的时间、接收以及条款和条件；可能导致终止合并协议的任何事件、变化或其他情况的发生；公司股东可能不批准交易的可能性；双方可能无法及时或完全满足交易条件的风险；由于交易而导致管理层从日常业务运营中分心的风险；与交易相关的任何公告可能对公司普通股市场价格产生不利影响的风险；交易及其公告可能对双方产生不利影响的风险商业关系和一般业务，包括公司保留客户、保留和雇用关键人员以及维护与其供应商和客户的关系的能力，以及它们的经营成果和总体业务；不可预见或未知负债的风险；客户、股东、合作伙伴、监管机构及其他利益相关方的批准和支持；意外未来资本支出的风险；可能针对公司或其董事及/或高级职员就交易提起诉讼的风险；第三方合同中包含的重要同意、反转让、转让或其他可能与交易相关的条款未被放弃或未以其他方式令人满意地解决的风险；可能扰乱的各种事件的风险运营，包括严重天气，如干旱、洪水、雪崩和地震，网络安全攻击，战争，安全威胁及政府对此的响应，以及技术变化；劳资纠纷风险，劳动力成本变化及劳动力困难的风险；以及由行业、市场、经济、法律或立法、政治或监管条件等公司无法控制的其他影响导致的风险。所有这些因素都难以预测并且超出我们的控制范围，包括公司截至2025年12月31日的财年在Form 10-K年度报告中详细说明的因素（该报告可在以下网址获取：[https://www.sec.gov/Archives/edgar/data/1845815/000110465926020487/payo-20251231x10k.htm)](https://edge.prnewswire.com/c/link/?t=0&l=en&o=4746903-1&h=1504381434&u=https%3A%2F%2Fedge.prnewswire.com%2Fc%2Flink%2F%3Ft%3D0%26l%3Den%26o%3D4711301-1%26h%3D4220356870%26u%3Dhttps%253A%252F%252Fwww.sec.gov%252FArchives%252Fedgar%252Fdata%252F1845815%252F000110465926020487%252Fpayo-20251231x10k.htm%26a%3Dhttps%253A%252F%252Fwww.sec.gov%252FArchives%252Fedgar%252Fdata%252F1845815%252F000110465926020487%252Fpayo-20251231x10k.htm&a=https%3A%2F%2Fwww.sec.gov%2FArchives%2Fedgar%2Fdata%2F1845815%2F000110465926020487%2Fpayo-20251231x10k.htm)）、Form 10-Q季度报告以及公司随后向美国证券交易委员会（“SEC”）提交的其他文件（这些文件可在 [https://www.sec.gov/edgar/search/#/ciks=0001845815&entityName=Payoneer%2520Global%2520Inc.%2520(PAYO sec.gov%252Fedgar%252Fsearch%252F%2523%252Fciks%253D0001845815%2526entityName%253DPayoneer%25252520Global%25252520Inc.%25252520\（PAYO\）%25252520\（CIK%252525200001845815&a=https%3A%2F%2Fwww.sec.gov%2Fedgar%2Fsearch%2F%23%2Fciks%3D0001845815%26entityName%3DPayoneer%252520Global%252520Inc.%252520\（PAYO\）%252520\（CIK%2525200001845815\）.）

公司的前瞻性声明基于公司认为合理的假设，但这些假设可能并不准确。本次交流中未讨论的其他不可预测或未知因素也可能对前瞻性声明产生重大不利影响。除适用法律要求外，公司不承担更新任何前瞻性声明的义务。这些前瞻性声明仅截止于本声明之日。

附加信息及获取途径 关于交易事项，公司于2026年7月31日向美国证券交易委员会提交了14A表格的初步委托书声明。一旦正式委托书声明提交，将会发送给公司的股东，征求他们对交易及其他相关事项的批准。

敦促投资者和持有证券的人仔细阅读附表14A的委托书声明，以及与交易有关或被纳入委托书声明的任何其他已提交或将提交给美国证券交易委员会的相关文件，因为这些文件包含关于公司、交易及相关事项的重要信息。投资者和持有证券的人可以通过美国证券交易委员会维护的网站 [https://www.sec.gov/edgar/browse/?CIK=1845815&owner=exclude](https://edge.prnewswire.com/c/link/?t=0&l=en&o=4746903-1&h=1655189839&u=https%3A%2F%2Fedge.prnewswire.com%2Fc%2Flink%2F%3Ft%3D0%26l%3Den%26o%3D4711301-1%26h%3D591124703%26u%3Dhttps%253A%252F%252Fwww.sec.gov%252Fedgar%252Fbrowse%252F%253FCIK%253D1845815%2526owner%253Dexclude%26a%3Dhttps%253A%252F%252Fwww.sec.gov%252Fedgar%252Fbrowse%252F%253FCIK%253D1845815%2526owner%253Dexclude&a=https%3A%2F%2Fwww.sec.gov%2Fedgar%2Fbrowse%2F%3FCIK%3D1845815%26owner%3Dexclude 免费获取这些文件，包括委托书声明及公司提交的其他文件。

公司向美国证券交易委员会提交的文件副本可以通过访问公司网站 [https://investor.payoneer.com/financials/sec-filings](https://edge.prnewswire.com/c/link/?t=0&l=en&o=4746903-1&h=74612845&u=https%3A%2F%2Fedge.prnewswire.com%2Fc%2Flink%2F%3Ft%3D0%26l%3Den%26o%3D4711301-1%26h%3D3539420273%26u%3Dhttps%253A%252F%252Finvestor.payoneer.com%252Ffinancials%252Fsec-filings%26a%3Dhttps%253A%252F%252Finvestor.payoneer.com%252Ffinancials%252Fsec-filings&a=https%3A%2F%2Finvestor.payoneer.com%2Ffinancials%2Fsec-filings 免费获得。

募股参与者

公司、Nuvei及其各自的董事和执行官可能被视为根据美国证券交易委员会（SEC）的规则在与交易相关的过程中参与向公司股东征求委托书的人。关于公司董事和执行官以及其他可能被视为在交易相关过程中参与向公司股东征求委托书的个人的利益信息，以及他们通过证券持有或其他方式的直接和间接利益说明，已包含在与交易相关的初步委托书声明中，该声明已提交给SEC。关于公司董事和执行官及其持有公司普通股的情况的信息也在公司的最终委托书中予以说明。与其2026年股东年度大会相关的声明，已于2026年4月27日向美国证券交易委员会（SEC）提交（可在[https://www.sec.gov/ix?doc=/Archives/edgar/data/0001845815/000110465926049462/tm261500-1_def14a.htm](https://edge.prnewswire.com/c/link/?t=0&l=en&o=4746903-1&h=3026976417&u=https%3A%2F%2Fwww.sec.gov%2Fix%3Fdoc%3D%2FArchives%2Fedgar%2Fdata%2F0001845815%2F000110465926049462%2Ftm261500-1_def14a.htm&a=https%3A%2F%2Fwww.sec.gov%2Fix%3Fdoc%3D%2FArchives%2Fedgar%2Fdata%2F0001845815%2F000110465926049462%2Ftm261500-1_def14a.htm 该文件已于2026年2月26日向美国证券交易委员会（SEC）提交（并可在https://www.sec.gov/ix?doc=/Archives/edgar/data/0001845815/000110465926020487/payo-20251231x10k.htm)](https://edge.prnewswire.com/c/link/?t=0&l=en&o=4746903-1&h=3882921482&u=https%3A%2F%2Fedge.prnewswire.com%2Fc%2Flink%2F%3Ft%3D0%26l%3Den%26o%3D4711301-1%26h%3D66696539%26u%3Dhttps%253A%252F%252Fwww.sec.gov%252Fix%253Fdoc%253D%252FArchives%252Fedgar%252Fdata%252F0001845815%252F000110465926020487%252Fpayo-20251231x10k.htm%26a%3Dhttps%253A%252F%252Fwww.sec.gov%252Fix%253Fdoc%253D%252FArchives%252Fedgar%252Fdata%252F0001845815%252F000110465926020487%252Fpayo-20251231x10k.htm&a=https%3A%2F%2Fwww.sec.gov%2Fix%3Fdoc%3D%2FArchives%2Fedgar%2Fdata%2F0001845815%2F000110465926020487%2Fpayo-20251231x10k.htm)查阅）。关于该等参与者在与交易相关的委托书征求中的利益的更多信息，包括在已向SEC提交的初步委托书以及即将提交的其他相关资料中披露。当它们可用时，可以从美国证券交易委员会（SEC）的网站 www.sec.gov 免费获取这些文件。

无要约或招揽

本新闻稿无意构成，也不得构成出售任何证券的要约或招揽购买要约，或任何批准投票的招揽，也不得在任何未经注册或合格的司法管辖区内进行任何证券的销售，在这些司法管辖区中，这类要约、招揽或销售在证券法下是非法的。除非通过符合《1933年证券法》第10条要求的招股说明书，否则不得提出任何证券要约。

财务信息；非公认会计准则财务指标

本新闻稿中包含的部分财务信息和数据，例如调整后的 EBITDA，未按照美国公认会计原则（"GAAP"）编制。Payoneer 使用某些非 GAAP 指标来比较 Payoneer 与前期的业绩，以用于预算和规划目的。Payoneer 认为，这些非 GAAP 财务业绩指标为管理层和投资者提供了有关 Payoneer 经营成果的某些财务和业务趋势的有用信息。Payoneer 确定这些非 GAAP 指标的方法可能与其他公司的方法不同，因此可能无法与其他公司使用的方法进行比较，Payoneer 不建议单独使用这些非 GAAP 指标来评估其财务表现。Payoneer 管理层不会单独考虑这些非 GAAP 指标，也不会将其作为根据 GAAP 确定的财务指标的替代方式。这些非 GAAP 财务指标的主要局限性在于，它们排除了根据 GAAP 需要在 Payoneer 财务报表中记录的重要费用和收入。此外，由于这些指标反映了管理层在确定哪些费用和收入在计算这些非 GAAP 财务指标时被排除或包括的判断，因此它们存在固有的局限性。为了弥补这些局限性，管理层会在呈报 GAAP 结果时提供非 GAAP 财务指标。您应该审阅包含在 Payoneer 年度报告中的 Payoneer 财务报表。在截至2025年12月31日的10-K表格年度报告及其随后提交的10-Q季度报告中，而不是依赖任何单一财务指标来评估Payoneer的业务。

非公认会计准则（Non-GAAP）指标包括以下项目：

调整后的EBITDA：我们提供调整后的EBITDA，这是一项非公认会计准则的财务指标，表示我们的净利润（亏损），在适用情况下调整以排除：并购相关费用（收入）、基于股票的薪酬费用、重组费用、认股权证公允价值变动损失（收益）及认股权证回购/赎回、其他财务费用（收入）净额、所得税、以及折旧和摊销。

调整后的EBITDA（不含利息）：表示调整后的EBITDA，不包括利息收入。

其他公司可能会以不同方式计算上述指标，因此Payoneer的指标可能无法直接与其他公司同名指标进行比较。

附加信息和定义

在本次财报发布中，我们提到的“交易额”是一项运营指标。交易额指的是通过我们的平台成功完成或促成的交易的总美元价值，不包括协调交易。对于既接收又随后发送付款的客户，我们只计算一次交易额。注意：协调交易于2024年停止，相关于我们2020年收购的optile GmbH。

我们还引用了ARPU（每用户平均收入），其定义为活跃客户收入除以在产生收入期间的活跃客户数量。用于此目的的活跃客户被定义为在该期间至少进行过一次金融交易的Payoneer账户持有人。活跃客户收入是指基于活跃客户使用Payoneer平台所产生的收入，包括其余额产生的利息收入，但不包括与其活动无关的收入。

投资者联系人: Michelle Wang investor@payoneer.com

媒体联系人: Angela Sullivan PR@payoneer.com

<table><tbody><tr><td colspan="7" rowspan="1">表格 - 1<org value="NASDAQ-NMS:PAYO" idsrc="xmltag.org">PAYONEER GLOBAL INC.</org>合并全面收益表（未经审计）(<location value="LC/us" idsrc="xmltag.org">美国</location>. 以千美元计，股份及每股数据除外) 数据）</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1">（未经审计）</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1">截至三个月 <chron>六月 30</chron>,</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2026</td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2025</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Revenues</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">274,258</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">260,614</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">QX 交易成本 37,682 40,566 其他运营费用 41,260 42,703 研究与开发费用</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">46,968</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">37,387</td></tr><tr><td colspan="1" rowspan="1">销售与营销 expenses</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">61,770</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">57,312</td></tr><tr><td colspan="1" rowspan="1">一般管理和行政费用</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">48,421</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">37,016</td></tr><tr><td colspan="1" rowspan="1">折旧和摊销</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">21,224</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">15,553</td></tr><tr><td colspan="1" rowspan="1">经营总额费用</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">257,325</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">230,537</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">运营收入</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">16,933</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">30,077</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">财务费用：</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">其他财务费用 net</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">10,622</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">227</td></tr><tr><td colspan="1" rowspan="1">财务费用, 收入前的收入税收</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">6,311</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">29,850</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">收入税收</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">8,747</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">10,370</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">净收入 (损失)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">(2,436)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">19,480</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">其他综合收益（损失）</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">可供出售债务证券的未实现收益（损失）, 未实现的可供出售债务证券收益（损失）的税收优惠（费用）现金流量套期未实现收益现金流套期未实现收益的所得税费用未实现的利率下限收益（损失）未实现利率上限收益（损失）的税收利益（费用）外币兑换调整</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(166)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">66</td></tr><tr><td colspan="1" rowspan="1">其他综合收益 (损失)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(12,178)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">8,507</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">综合收益（损失）</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">(14,614)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">27,987</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr>ZX 每股数据普通股股东应占净利润——基本每股收益 share</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">(0.01)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">0.05</td></tr><tr><td colspan="1" rowspan="1">— 稀释每股收益 share</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">(0.01)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">0.05</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">普通股加权平均在外流通股数——基本</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">337,465,576</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">368,770,598</td></tr><tr><td colspan="1" rowspan="1">普通股加权平均在外流通股数—— Diluted</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">337,465,576</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">380,632,789</td></tr></tbody></table>

收入的分解

下表列出了来自与客户合同确认的收入以及来自其他来源的收入：

<table><tbody><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1">（未经审计）</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1">截至三个月</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1"><chron>六月 30</chron>,</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2026</td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2025</td></tr><tr><td colspan="1" rowspan="1">在某一点确认的收入 time</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">218,313</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">199，560</td></tr><tr><td colspan="1" rowspan="1">Revenue识别合同收入客户利息收入余额</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">52,105</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">58,334</td></tr><tr><td colspan="1" rowspan="1">资本预付款收入</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">1,822</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">1,784</td></tr><tr><td colspan="1" rowspan="1">来自其他来源的收入 sources</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">53,927</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">60,118</td></tr><tr><td colspan="1" rowspan="1">总计收入</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">274,258</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">260,614</td></tr></tbody></table>

下表按主要区域市场拆分本公司的收入，收入归属于交易客户账单地址所在的国家（在该地区内），但全球银行转账收入除外，全球银行转账收入根据交易资金来源的账单地址进行拆分。

<table><tbody><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1">(Unaudited)</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1">Three months ended</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1"><chron>June 30</chron>,</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2026</td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2025</td></tr><tr><td colspan="1" rowspan="1">Primary regional markets</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1"><location value="LC/cn" idsrc="xmltag.org">Greater China</location>(1)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">93,243</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">85,913</td></tr><tr><td colspan="1" rowspan="1"><location value="LR/eur" idsrc="xmltag.org">Europe</location>, <location value="LR/mde" idsrc="xmltag.org">Middle East</location>, and <location value="LR/afr" idsrc="xmltag.org">Africa</location>(2)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">68,250</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">67,396</td></tr><tr><td colspan="1" rowspan="1"><location value="LR/asp" idsrc="xmltag.org">Asia-Pacific</location>(2)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">60,775</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">53,762</td></tr><tr><td colspan="1" rowspan="1"><location value="LR/cam" idsrc="xmltag.org">Latin America</location>(2)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">25,772</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">28,883</td></tr><tr><td colspan="1" rowspan="1"><location value="LB/nam" idsrc="xmltag.org">North America</location>(3)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">26,218</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">24,660</td></tr><tr><td colspan="1" rowspan="1">Total revenues</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">274,258</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">260,614</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr></tbody></table> <table><tbody><tr><td colspan="1" rowspan="1">1.</td><td colspan="1" rowspan="1"><location value="LC/cn" idsrc="xmltag.org">大中华地区</location>包括中国大陆<location value="LC/cn" idsrc="xmltag.org">、</location>香港<location value="LC/hk" idsrc="xmltag.org">、</location>澳门<location value="LU/cn..macao" idsrc="xmltag.org">和</location>台湾<location value="LC/tw" idsrc="xmltag.org">。</location>.</td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">2.</td><td colspan="1" rowspan="1">在这些地区中，没有任何单一国家创造的总量超过10% 收入。</td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">3.</td><td colspan="1" rowspan="1"><location value="LC/us" idsrc="xmltag.org">美国</location>是公司的注册国家。在<location value="LB/nam" idsrc="xmltag.org">北美</location>的收入中，<location value="LC/us" idsrc="xmltag.org">美国</location>。 占<money>$25,275</money>和<money>$23,477</money>，分别在截至<chron>2026年6月30日</chron>和2025年的三个月期间。</td><td colspan="1" rowspan="1"> </td></tr></tbody></table> <table><tbody><tr><td colspan="7" rowspan="1">表格 - 2<org value="NASDAQ-NMS:PAYO" idsrc="xmltag.org">派安盈全球公司</org>净收入与调整后 EBITDA 对账表（未经审计）（<location value="LC/us" idsrc="xmltag.org">美国</location>. 美元数千)</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1">三个月结束</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1"><chron>六月 30</chron>,</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2026</td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2025</td></tr><tr><td colspan="1" rowspan="1">净收入 (损失)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">(2,436)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">19,480</td></tr><tr><td colspan="1" rowspan="1">折旧和摊销</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">21,224</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">15,553</td></tr><tr><td colspan="1" rowspan="1">收入税费其余金融费用, net</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">10,622</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">227</td></tr><tr><td colspan="1" rowspan="1">EBITDA</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">38,157</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> 基于股票的薪酬费用 (1) 19,475 20,059 并购相关费用(2)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">13,469</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">736</td></tr><tr><td colspan="1" rowspan="1">重组 charges(3)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">257</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">—</td></tr><tr><td colspan="1" rowspan="1">调整 EBITDA</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">71,358</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">66,425</td></tr></tbody></table>

三个月结束，2025年6月30日，2025年9月30日，2025年12月31日， 2025</chron></td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1"><chron>2026年3月31日</chron></td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1"><chron>2026年6月30日</chron></td></tr><tr><td colspan="1" rowspan="1">N净收入 (损失)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">19,480</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">14,123</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">19,012</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">19,568</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">(2,436)</td></tr><tr><td colspan="1" rowspan="1">折旧和摊销</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">15,553</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">16,140</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">19,542</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">18,916</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">21,224</td></tr><tr><td colspan="1" rowspan="1">所得税</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">10,370</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">16,388</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">8,446</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">9,641 其他财务费用, net</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">227</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">5,836</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">1,466</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">812</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">10,622</td></tr><tr><td colspan="1" rowspan="1">EBITDA</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">45,630</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">52,487</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">48,466</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">48,937</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">38,157</td></tr><tr><td colspan="1" rowspan="1">基于股票的补偿 expenses(1)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">20,059</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">17,799</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">16,491</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">18,524</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">19,475</td></tr><tr><td colspan="1" rowspan="1">QXM&A 相关费用(2)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">736</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">981</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">1,339</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">478</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">13,469</td></tr><tr><td colspan="1" rowspan="1">重组 charges(3)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">—</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">—</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">2,243</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">1,509</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">257</td></tr><tr><td colspan="1" rowspan="1">调整后EBITDA</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">66,425</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">71,267</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">68,539</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">69,448</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">71,358</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="14" rowspan="1"> </td></tr></tbody></table>

<table><tbody><tr><td colspan="1" rowspan="1">(1)</td><td colspan="1" rowspan="1">代表与基于股票的补偿费用相关的非现金费用，这在我们的业务中一直是，并将在可预见的未来继续成为重大经常性费用，也是我们薪酬策略的重要组成部分。</td></tr><tr><td colspan="1" rowspan="1">(2)</td><td colspan="1" rowspan="1">这些费用与以下事项相关：</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(i) 与并购相关的第三方费用，包括银行家费用、法律、监管、咨询及其他开支。这些成本包括与<org value="ACORN:5011415545" idsrc="xmltag.org">Nuvei </org>拟议收购相关的费用。在截至2026年6月30日的三个月内，M&A第三方成本为<money>1080万美元</money></td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">。(ii) M&A相关费用包括某些收购相关成本以及与已收购业务相关的非经常性调整。在截至2026年6月30日的三个月内，这些费用包括约<money>10万美元</money>，与一次性公允价值调整和补偿费用相关。与无界分期付款及收益安排。</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">（三）非经常性的与收购相关的对员工和承包商的补偿。在截至 <chron> 2026年6月30日 </chron> 的三个月内，这些费用为 <money> 250万美元 </money>。</td></tr><tr><td colspan="1" rowspan="1">（3）</td><td colspan="1" rowspan="1"> 代表与遣散费及其他员工离职福利相关的非经常性成本。</td></tr></tbody></table> <table><tbody><tr><td colspan="7" rowspan="1">TABLE - 3<org value="NASDAQ-NMS:PAYO" idsrc="xmltag.org">PAYONEER GLOBAL INC.</org>EARNINGS PER SHARE(<location value="LC/us" idsrc="xmltag.org">U.S</location>. dollars in thousands, except share and per share data)</td></tr><tr><td colspan="7" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1">(Unaudited)</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1">Three months ended <chron>June 30</chron>,</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2026</td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2025</td></tr><tr><td colspan="1" rowspan="1">Numerator:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Net income (loss)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">(2,436)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">19,480</td></tr><tr><td colspan="1" rowspan="1">Denominator:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Weighted average common shares outstanding —</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Basic</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">337,465,576</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">368,770,598</td></tr><tr><td colspan="1" rowspan="1">Add:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Dilutive impact of RSUs, ESPP and options to purchase common stock</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">—</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">11,066,906</td></tr><tr><td colspan="1" rowspan="1">Dilutive impact of private Warrants</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">—</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">795,285</td></tr><tr><td colspan="1" rowspan="1">Weighted average common shares — diluted</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">337,465,576</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">380,632,789</td></tr><tr><td colspan="1" rowspan="1">Net income (loss) per share attributable to common stockholders — Basic earnings per share</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">(0.01)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">0.05</td></tr><tr><td colspan="1" rowspan="1">Diluted earnings per share</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">(0.01)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">0.05</td></tr></tbody></table> <table><tbody><tr><td colspan="7" rowspan="1">TABLE - 4<org value="NASDAQ-NMS:PAYO" idsrc="xmltag.org">PAYONEER GLOBAL INC.</org>CONSOLIDATED BALANCE SHEETS (UNAUDITED)(<location value="LC/us" idsrc="xmltag.org">U.S</location>. dollars in thousands, except share and per share data)</td></tr><tr><td colspan="7" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1"><chron>June 30</chron>,</td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1"><chron>December 31</chron>,</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2026</td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2025</td></tr><tr><td colspan="1" rowspan="1">Assets:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Current assets:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Cash and cash equivalents</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">346,320</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">415,537</td></tr><tr><td colspan="1" rowspan="1">Restricted cash</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">4,717</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">6,090</td></tr><tr><td colspan="1" rowspan="1">Customer funds</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">7,472,749</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">7,544,541</td></tr><tr><td colspan="1" rowspan="1">Accounts receivable (net of allowance of <money>$1,032</money> and <money>$501</money> at <chron>June 30, 2026</chron> and <chron>December 31, 2025</chron>, respectively)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">13,258</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">10,412</td></tr><tr><td colspan="1" rowspan="1">Capital advance receivables (net of allowance of <money>$3,477</money> and <money>$3,953</money> at <chron>June 30, 2026</chron> and <chron>December 31, 2025</chron>, respectively)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">36,881</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">43,665</td></tr><tr><td colspan="1" rowspan="1">Other current assets</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">86,539</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">90,671</td></tr><tr><td colspan="1" rowspan="1">Total current assets</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">7,960,464</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">8,110,916</td></tr><tr><td colspan="1" rowspan="1">Non-current assets:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Property, equipment and software, net</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">46,624</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">32,437</td></tr><tr><td colspan="1" rowspan="1"><org>Goodwill</org></td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">86,136</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">77,785</td></tr><tr><td colspan="1" rowspan="1">Intangible assets, net</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">215,404</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">208,053</td></tr><tr><td colspan="1" rowspan="1">Customer funds</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">275,000</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">350,000</td></tr><tr><td colspan="1" rowspan="1">Restricted cash</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">22,834</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">23,604</td></tr><tr><td colspan="1" rowspan="1">Deferred tax assets, net</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">65,153</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">56,898</td></tr><tr><td colspan="1" rowspan="1">Severance pay fund</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">894</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">856</td></tr><tr><td colspan="1" rowspan="1">Operating lease right-of-use assets</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">61,485</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">62,257</td></tr><tr><td colspan="1" rowspan="1">Other assets</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">30,952</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">33,783</td></tr><tr><td colspan="1" rowspan="1">Total assets</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">8,764,946</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">8,956,589</td></tr><tr><td colspan="1" rowspan="1">Liabilities and shareholders' equity:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Current liabilities:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Trade payables</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">50,812</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">44,611</td></tr><tr><td colspan="1" rowspan="1">Outstanding operating balances</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">7,747,749</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">7,894,541</td></tr><tr><td colspan="1" rowspan="1">Other payables</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">138,878</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">144,568</td></tr><tr><td colspan="1" rowspan="1">Total current liabilities</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">7,937,439</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">8,083,720</td></tr><tr><td colspan="1" rowspan="1">Non-current liabilities:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Deferred tax liabilities, net</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">25,405</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">25,051</td></tr><tr><td colspan="1" rowspan="1">Other long-term liabilities</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">148,572</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">143,391</td></tr><tr><td colspan="1" rowspan="1">Total liabilities</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">8,111,416</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">8,252,162</td></tr><tr><td colspan="1" rowspan="1">Commitments and contingencies</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Shareholders' equity:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Preferred stock, <money>$0.01</money> par value, 380,000,000 shares authorized; no shares were issued and outstanding at <chron>June 30, 2026</chron> and <chron>December 31, 2025</chron>.</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">—</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">—</td></tr><tr><td colspan="1" rowspan="1">Common stock, <money>$0.01</money> par value, 3,800,000,000 and 3,800,000,000 shares authorized; 419,411,249 and 411,826,086 shares issued and 338,723,544 and 348,704,315 shares outstanding at <chron>June 30, 2026</chron> and <chron>December 31, 2025</chron>, respectively.</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">4,194</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">4,118</td></tr><tr><td colspan="1" rowspan="1"><org>Treasury</org> stock at cost, 80,687,705 and 63,121,771 shares as of <chron>June 30, 2026</chron> and <chron>December 31, 2025</chron>, respectively.</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(459,220)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(368,867)</td></tr><tr><td colspan="1" rowspan="1">Additional paid-in capital</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">937,577</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">896,294</td></tr><tr><td colspan="1" rowspan="1">Accumulated other comprehensive loss</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(25,312)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(6,277)</td></tr><tr><td colspan="1" rowspan="1">Retained earnings</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">196,291</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">179,159</td></tr><tr><td colspan="1" rowspan="1">Total shareholders' equity</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">653,530</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">704,427</td></tr><tr><td colspan="1" rowspan="1">Total liabilities and shareholders' equity</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">8,764,946</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">8,956,589</td></tr></tbody></table> <table><tbody><tr><td colspan="7" rowspan="1">表格 - 5<org value="NASDAQ-NMS:PAYO" idsrc="xmltag.org">PAYONEER GLOBAL INC.</org>合并现金流量表（未经审计）（<location value="LC/us" idsrc="xmltag.org">美国</location>美元，在数千)</td></tr><tr><td colspan="7" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="5" rowspan="1">六个月结束 <chron>六月 30</chron>,</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2026</td><td colspan="1" rowspan="1"> </td><td colspan="2" rowspan="1">2025</td></tr><tr><td colspan="1" rowspan="1">经营活动产生的现金流量活动</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">Net 收入</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">17,132</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">40,057</td></tr><tr><td colspan="1" rowspan="1">将净收入调整为由经营活动提供的净现金活动：</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">折旧和摊销</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">40,140</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">29,943</td></tr><tr><td colspan="1" rowspan="1">递延税收</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(2,651)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(7,957)</td></tr><tr><td colspan="1" rowspan="1">基于股票的补偿 expenses</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">37,999</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">38,814</td></tr><tr><td colspan="1" rowspan="1">证书利息存款</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(3,559)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(9,386)</td></tr><tr><td colspan="1" rowspan="1">利息及溢价/折扣摊销投资</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">2,624</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(2,560)</td></tr><tr><td colspan="1" rowspan="1">衍生工具的已实现净（收益）损失工具</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(2,752)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">664</td></tr><tr><td colspan="1" rowspan="1">外币重新计量（收益） loss</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">1,014</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(5,840)</td></tr><tr><td colspan="1" rowspan="1">经营资产和负债的变动负债：</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">其他流动 assets</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">6,986</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">9,388</td></tr><tr><td colspan="1" rowspan="1">交易应付账款</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">1,930</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">5,943</td></tr><tr><td colspan="1" rowspan="1">递延收入</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">4,696</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">211</td></tr><tr><td colspan="1" rowspan="1">应收账款, net</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(2,811)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(1,958)</td></tr><tr><td colspan="1" rowspan="1">预付资本延长至从客户收取的预付款客户</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">141,514</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">191,655</td></tr><tr><td colspan="1" rowspan="1">其他应付账款</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(4,152)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(10,918)</td></tr><tr><td colspan="1" rowspan="1">其他长期负债</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">3,562</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">3,571</td></tr><tr><td colspan="1" rowspan="1">经营性租赁使用权 assets</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">5,404</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">5,777</td></tr><tr><td colspan="1" rowspan="1">其他资产</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">664</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">4,220</td></tr><tr><td colspan="1" rowspan="1">经营活动提供的净现金来自投资的现金流活动</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">购买财产、设备及软件</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(21,116)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(7,304)</td></tr><tr><td colspan="1" rowspan="1">内部使用的大小写软件</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(34,742)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(29,993)</td></tr><tr><td colspan="1" rowspan="1">遣散费基金分配，客户资金在途, 可供出售债务投资的购买可供出售债务投资的到期日证券</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">195,000</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">180,500</td></tr><tr><td colspan="1" rowspan="1">现金流结算投资定期到期与收购相关支付的现金，扣除现金部分 acquired</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(6,479)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(33,081)</td></tr><tr><td colspan="1" rowspan="1">投资提供的（使用的）净现金融资活动的现金流活动</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">与股票奖励计划相关的普通股发行收益，扣除相关税款 用于结算股权奖励支付的款项以及员工股权交易待汇款的收益 至员工</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">3,800</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(2,183)</td></tr><tr><td colspan="1" rowspan="1">未结算经营余额, 利率担保收据利率衍生品抵押品支付与前述相关的衍生品考虑收购</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(6,519)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">—</td></tr><tr><td colspan="1" rowspan="1">普通股回购</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(92,670)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(49,756)</td></tr><tr><td colspan="1" rowspan="1">通过（用于）融资提供的净现金 activities</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(255,636)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">2,240</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">汇率的影响现金及现金等价物的变动</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(1,148)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">6,045</td></tr><tr><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">净额现金、现金等价物、受限现金和客户资金的变动</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(93,397)</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">(825)</td></tr><tr><td colspan="1" rowspan="1">期初的现金、现金等价物、受限现金和客户资金期末现金、现金等价物、受限现金和客户资金期</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">6,323,310</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">5,657,385</td></tr><tr><td colspan="1" rowspan="1">不涉及现金的投资和融资活动补充信息流程:</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1"> </td></tr><tr><td colspan="1" rowspan="1">获取但未付费</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">1,955</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">142</td></tr><tr><td colspan="1" rowspan="1">内部使用软件资本化，但未已回购普通股但未以新经营性租赁交换取得的使用权资产负债</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">2,330</td><td colspan="1" rowspan="1"> </td><td colspan="1" rowspan="1">$</td><td colspan="1" rowspan="1">28,614</td></tr></tbody></table>

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