📊 PAYD Key Takeaways
Is Paid Inc. (PAYD) a Good Investment?
PAID INC exhibits a structural profitability problem: despite 11.4% revenue growth to $20.7M, the company generated negative operating income (-3.2% margin), negative free cash flow (-$55.6K), and deteriorating net income (EPS down 144.4% YoY). The current ratio of 0.85x signals liquidity stress, indicating operating losses are consuming cash faster than growth can generate value.
Why Buy Paid Inc. Stock? PAYD Key Strengths
- Top-line revenue growth of 11.4% YoY demonstrates market demand
- Gross margin of 22.4% shows underlying product profitability potential
- Zero long-term debt eliminates refinancing risk and provides financial flexibility
PAYD Stock Risks: Paid Inc. Investment Risks
- Operating margin of -3.2% and widening net losses indicate inability to scale profitably despite revenue growth
- Negative operating cash flow of -$53.2K despite positive revenue; company burns cash from operations
- Current ratio of 0.85x reveals liquidity stress—current liabilities exceed current assets, risking operational disruption
- Deteriorating earnings (EPS -144.4% YoY) suggests operational headwinds are accelerating, not improving
Key Metrics to Watch
- Operating cash flow trend—critical to determine if cash burn improves with revenue scaling
- Operating margin progression—must improve to achieve profitability sustainability
- Current ratio—monitoring whether liquidity stress worsens or stabilizes
Paid Inc. (PAYD) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PAYD Profit Margin, ROE & Profitability Analysis
PAYD vs Services Sector: How Paid Inc. Compares
How Paid Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Paid Inc. Stock Overvalued? PAYD Valuation Analysis 2026
Based on fundamental analysis, Paid Inc. has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Paid Inc. Balance Sheet: PAYD Debt, Cash & Liquidity
PAYD Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Paid Inc.'s revenue has grown significantly by 39% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.09 reflects profitable operations.
PAYD Revenue Growth, EPS Growth & YoY Performance
PAYD Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $4.4M | $32.2K | $0.00 |
| Q2 2025 | $4.6M | -$148.8K | $-0.05 |
| Q1 2025 | $4.2M | -$148.8K | $-0.02 |
| Q3 2024 | $4.1M | -$44.8K | $-0.01 |
| Q2 2024 | $4.1M | $57.2K | $0.01 |
| Q1 2024 | $3.8M | -$294.9K | $-0.04 |
| Q3 2023 | $4.1M | -$44.8K | N/A |
| Q2 2023 | $4.1M | $19.5K | $0.00 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Paid Inc. Dividends, Buybacks & Capital Allocation
PAYD SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Paid Inc. (CIK: 0001017655)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PAYD
What is the AI rating for PAYD?
Paid Inc. (PAYD) has an AI rating of SELL with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PAYD's key strengths?
Claude: Top-line revenue growth of 11.4% YoY demonstrates market demand. Gross margin of 22.4% shows underlying product profitability potential.
What are the risks of investing in PAYD?
Claude: Operating margin of -3.2% and widening net losses indicate inability to scale profitably despite revenue growth. Negative operating cash flow of -$53.2K despite positive revenue; company burns cash from operations.
What is PAYD's revenue and growth?
Paid Inc. reported revenue of $20.7M.
Does PAYD pay dividends?
Paid Inc. does not currently pay dividends.
Where can I find PAYD SEC filings?
Official SEC filings for Paid Inc. (CIK: 0001017655) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PAYD's EPS?
Paid Inc. has a diluted EPS of $-0.04.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is PAYD a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Paid Inc. has a SELL rating with 78% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PAYD stock overvalued or undervalued?
Valuation metrics for PAYD: ROE of -6.6% (sector avg: 16%), net margin of -1.8% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy PAYD stock in 2026?
Our dual AI analysis gives Paid Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PAYD's free cash flow?
Paid Inc.'s operating cash flow is $-53.2K, with capital expenditures of $2.5K. FCF margin is -0.3%.
How does PAYD compare to other Services stocks?
Vs Services sector averages: Net margin -1.8% (avg: 10%), ROE -6.6% (avg: 16%), current ratio 0.85 (avg: 1.5).