$Payoneer Global Inc.(PAYO)$ do yourself a huge favor and don’t look at this stock as a trade (ok some will as that’s what they do). It needs another couple of years to get valued appropriately, from good execution, margin improvement, less fear of the macro, getting well known among serious investors. You have two years of very solid growth ahead so returns will be fine from that alone. And they will add revenues from M&A and they will lock in much of the rate benefits they are getting by adjusting their investments into 3-5 year duration bonds is my read of what they said on the call. That’s going to be good for sentiment near term when announced, but over time the real juice will be them showing margins and getting the stock to even $PayPal(PYPL)$ lousy valuation of ev to gross profit of 5.5x rather than 2.3x for Payo - that plus growth is what’ll make it a multi bagger, but you gotta hold it. Why not 10x ev/GP in 3+ yrs? We’ll see, it’s quite possible as many growth payments names trade there…