PLAIDInc (PLDIF) fair value: what the stock is really worth
As of Oct 30, 2026: fair value (intrinsic value) of PLAIDInc stock $4.83, price $4.75, upside +1.6%, quality 72 out of 100. Rating: fairly valued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $2.75 – $21.04 · fair‑value band $3.62 – $6.88 · the $4.75 price screens below the $4.83 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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PLAID,Inc. develops and operates KARTE, a customer experience (CX) SaaS platform in Japan.
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It provides KARTE CX platform, which provides real-time analytics for on-site personalization, multi-channel campaigns, and targeted ad delivery; PLAID ALPHA, which delivers data-driven strategic planning and implementation; STUDIO ZERO, a strategic planning and business development service; EmotionTechCX, a survey and analysis service for customer loyalty and CX; and EmotionTechEX, a survey and analysis service for employee engagement and organizational transformation.
The company also offers TopicScan, a text AI analysis service that detects issues and signs from customer feedback and free-text descriptions; Marumy, a store management system; and Databeat, an ad automation tool.
In addition, it provides business results-driven ad operations and marketing solutions. The company was incorporated in 2011 and is headquartered in Chuo, Japan.
Stock analysis
PLAIDInc (PLDIF) currently trades at $4.75, while our model-based Fair Value estimate is $4.83, so the stock looks roughly fairly valued today (gap 1.6%).
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Valuation
Bull case: the Growth Earnings group reads highest at a median of $6.80 per share, and 14 of the 24 models we run sit above the $4.75 price.
Bear case: the Asset-Based group reads lowest at $0.5400, and 10 of the 24 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $3.62 (bear) to $6.88 (bull), the price of $4.75 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 72/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
PLAIDInc reported revenue of ¥13.4B in FY2025 versus ¥5.4B in FY2021, a compound +25.2%/yr. Reported net income was ¥1.1B in FY2025.
Key figures
Market cap $195M Micro · P/E ratio 59.4 · P/S ratio 4.88 · EPS (TTM) $0.0800 · Net margin 8.2% · Return on equity 10.2% · Return on assets (EBIT) −1.2% (5-year average) · Operating margin 5.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at 2%, PLDIF screens richer than that median.
Fair Value models
Bear$3.62Fair Value $4.83Bull$6.88
Price $4.75 · Upside +1.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($0.0800 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+21.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.3%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.5%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−26.9% (2020) → 10.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+16.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in JPY, Japan: IMF forecast 2.1% a year to 2030, 1.3% from 2016 to 2025) that is about +13.6% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 628 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score72 · Top 25%
Fair Value upside+1.6% · Above median
Profitability
Return on equity (12 months)10.2% · Above median
Return on assets11.4% · Top 25%
Net margin (12 months)3.5% · Below median
Operating margin (12 months)5.5% · Below median
Growth and dividend
Revenue growth (quarter YoY)26.3% · Top 25%
Balance sheet
Debt / equity0.25× · Above median
Valuation Multiplesvs Software - Application median · lower = cheaper
P/E (12 months)59.4× · Priciest 25%
P/B6.46× · Priciest 25%
P/S (12 months)2.00× · Cheaper than median
Price / free cash flow (fiscal year)24.3× · Pricier than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "PLAIDInc Fair Value". https://www.fairvalue-calculator.com/stock/PLDIF
Frequently asked questions
Is PLAIDInc (PLDIF) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $4.83 versus the last price from Oct 30, 2026 of $4.75, about +2% upside (fairly valued).
What is the fair value of PLDIF?
Our model-based fair value for PLAIDInc is $4.83 (as of Nov 6, 2026), built from audited fundamentals. Last price (from Oct 30, 2026): $4.75.
What is the quality score of PLDIF?
PLAIDInc has a Quality Score of 72/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for PLAIDInc (PLDIF)?
Our model-based price target is the fair value of $4.83 (as of Nov 6, 2026) from 24 valuation models. Cautious scenario $3.62, optimistic scenario $6.88. It is a calculation from audited fundamentals, not an analyst target.
What is the PLAIDInc stock forecast for 2026?
Our models put fair value at $4.83, about +2% upside versus the last price from Oct 30, 2026 of $4.75 (fairly valued). Cautious scenario $3.62, optimistic scenario $6.88. The calculation is refreshed regularly with new filings.
What is the revenue of PLAIDInc (PLDIF)?
PLAIDInc reported trailing-twelve-month revenue of about ¥15.5B (latest available figure, as of Nov 6, 2026).
What growth is priced into PLAIDInc (PLDIF)?
For today's price to be fair in a discounted-cash-flow model, PLAIDInc would have to grow free cash flow by +16.0 % per year for five years (discount rate 12.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +27.3 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of PLDIF use?
Our models discount PLAIDInc at 12.2 %: a base by market capitalisation (micro), damped by beta 0.85, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For PLAIDInc that is +16.0 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.2 %) and the same formula as our fair value.
How much growth has PLAIDInc (PLDIF) delivered so far?
Over the past 5 years revenue at PLAIDInc grew +27.3 % a year. The price currently implies free-cash-flow growth of +16.0 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of PLAIDInc (PLDIF) growing?
The median revenue growth in the sector is +11.5 % a year. That is the yardstick for the growth priced into PLAIDInc (+16.0 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of PLAIDInc (PLDIF)?
The free-cash-flow yield on the price is 4.12 %: that much free cash flow PLAIDInc produces per unit of market value. When it exceeds the discount rate of our models (12.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of PLAIDInc (PLDIF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PLAIDInc it is $4.83 per share (as of Nov 6, 2026), against a price of $4.75. It is the blended result of 24 valuation models in 7 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is PLAIDInc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, PLDIF trades below its calculated fair value: price $4.75, fair value $4.83, a gap of about +2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PLDIF?
No. The price is what the market pays today ($4.75); the fair value is what the company's own numbers justify ($4.83). For PLAIDInc the two are $0.0758 per share apart. That gap is exactly why we show both numbers side by side.
How much is PLAIDInc worth?
The market values PLAIDInc at about $195M (market capitalisation, as of Nov 6, 2026). Per share that is $4.75; our models calculate a fair value of $4.83 per share.
What do the bullish and bearish scenarios say about PLDIF?
Our models span a range for PLAIDInc: cautious scenario $3.62, base $4.83, optimistic $6.88 per share (as of Nov 6, 2026, price $4.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PLDIF?
PLAIDInc trades at a price-to-earnings ratio of 59.4 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $4.83 is built from several models across several years. Other multiples: P/B 6.5, P/S 2.0, EV/EBITDA 23.1.
How solid is the balance sheet of PLAIDInc (PLDIF)?
Balance-sheet figures for PLAIDInc (as of Nov 6, 2026): return on equity 10.2%, debt of 0.25 per unit of equity. They feed the Quality Score of 72/100, which measures business quality independently of the share price.
How far is PLDIF from its 52-week high?
PLAIDInc trades at $4.75, about 25% below its 52-week high of $6.32 and 51% above the low of $3.15 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $4.83 is for.
Which stocks are comparable to PLAIDInc?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is PLAIDInc stock attractive at the current price?
The data as of Nov 6, 2026: price $4.75, calculated fair value $4.83 (+2%), Quality Score 72/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PLDIF calculated?
We run PLAIDInc through 24 models from 7 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $4.83 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. PLAIDInc currently trades 2% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of PLAIDInc (PLDIF)?
The latest price we hold is from Oct 30, 2026 and stands at $4.75. Our model-based fair value is $4.83, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PLAIDInc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($3.62 to $6.88) leaves room in how you read the outcome.
Key figures of PLAIDInc
How large is the market capitalisation of PLAIDInc (PLDIF)?
The market capitalisation of PLAIDInc is $195M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of PLAIDInc (PLDIF)?
The price-to-sales ratio of PLAIDInc is 4.88 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of PLAIDInc (PLDIF)?
Earnings per share at PLAIDInc are $0.0800 (price ÷ EPS = P/E 59.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of PLAIDInc (PLDIF)?
The net margin of PLAIDInc is 8.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of PLAIDInc (PLDIF)?
The return on equity (ROE) of PLAIDInc is 10.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of PLAIDInc (PLDIF)?
On an EBIT basis the return on assets of PLAIDInc is −1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of PLAIDInc (PLDIF)?
The operating margin of PLAIDInc is 5.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PLAIDInc (PLDIF)?
Revenue at PLAIDInc is growing +26.3% versus a year earlier (3y avg +22.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at PLAIDInc (PLDIF)?
Earnings per share at PLAIDInc are growing −97.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does PLAIDInc (PLDIF) hold?
PLAIDInc holds more cash than debt, ¥4.8B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Nov 6, 2026