Paid Inc (PAYD) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Paid Inc $0.30, price $2.50, upside -88.0%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $1.14 – $7.00 · fair‑value band $0.2200 – $0.4500 · the $2.50 price screens above the $0.3000 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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PAID, Inc. develops a line of software as a service (SaaS) based business services to provide businesses with a streamlined experience for website creation, online sales, payment collection, and shipping all in one platform in the United States and Canada.
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PAID, Inc. develops a line of software as a service (SaaS) based business services to provide businesses with a streamlined experience for website creation, online sales, payment collection, and shipping all in one platform in the United States and Canada. The company operates through three segments: Client Services, eCommerce Services, and Shipping Coordination and Label Generation Services. Its SaaS based business services include PaidPayments that provides businesses with a secure way to conduct online transactions, including a virtual terminal, invoicing capability, subscriptions processing, checkout pages, and a point of sale system with support for USD, CAD, and EUR currencies; PaidCart, a solution for small and medium businesses looking to expand their online sales through multiple channels, which offers a centralized system to manage sales across various platforms for currency and language management, promotional sales, and abandoned cart recovery; and PaidShipping that delivers a solution to quote, process, generate labels, dispatch, and track courier and less than truckload shipments all from a single interface, as well as PaidWeb. It also provides ShipTime, a SaaS based application, offers a platform that allows its members to quote, process, generate labels, purchase insurance, dispatch and track courier and LTL shipments all from a single interface; and brewery management solutions. The company is based in Marlborough, Massachusetts.
Stock analysis
Paid Inc (PAYD) currently trades at $2.50, while our model-based Fair Value estimate is $0.3000, 88.0% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: $0.2200 (bear) to $0.4500 (bull), the price of $2.50 sits above 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 39/100 (below-average quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Paid Inc reported revenue of $20.7M in FY2025 versus $14.9M in FY2021, a compound +8.6%/yr. Reported net income was −$368K in FY2025.
Key figures
Market cap $21.1M · P/S ratio 0.80 · EPS (TTM) $−0.0200 · Net margin −1.8% · Return on equity −5.0% · Return on assets (EBIT) −5.8% · Operating margin −2.2% · Revenue (TTM) $21.7M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 24% below its 52-week high and 85% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at −88%, PAYD screens richer than that median.
Fair Value models
Bear $0.2200Fair Value $0.3000Bull $0.4500
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.27/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+11.4%
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.
+7.7%
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.
+9.9%
Start year 2020 (pandemic). Over 10 years: +16.2% a year
Revenue growth 29 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.
+4.0%
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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.
−16.5% (2020) → −3.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
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 · 699 stocks
Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score42 · Below median
Fair Value upside−77.8% · Bottom 25%
Profitability
Return on assets−4.7% · Bottom 25%
Net margin (TTM)−1.2% · Below median
Operating margin (TTM)−2.2% · Below median
Growth and dividend
Revenue growth21.7% · Above median
Balance sheet
Debt / equity0.00× · Below median
Valuation Multiplesvs Software - Application median · lower = cheaper
P/B3.13× · Pricier than median
P/S (TTM)0.80× · Cheapest 25%
PEG1.34× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 27
FUTURE (revenue growth)100· sector 41
PAST (return on equity)0· sector 17
HEALTH (low debt)100· sector 97
DIVIDEND (yield)0· sector 32
VALUE 0: the price sits above our fair-value range.
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). "Paid Inc Fair Value". https://www.fairvalue-calculator.com/stock/PAYD
Frequently asked questions
Is Paid Inc (PAYD) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.3000 versus a price of $2.50, about −88% upside (overvalued).
What is the fair value of PAYD?
Our model-based fair value for Paid Inc is $0.3000 (as of Sep 24, 2026), built from audited fundamentals. The current price: $2.50.
What is the quality score of PAYD?
Paid Inc has a Quality Score of 39/100. 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 Paid Inc (PAYD)?
Our model-based price target is the fair value of $0.3000 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario $0.2200, optimistic scenario $0.4500. It is a calculation from audited fundamentals, not an analyst target.
What is the Paid Inc stock forecast for 2026?
Our models put fair value at $0.3000, about −88% upside versus a price of $2.50 (overvalued). Cautious scenario $0.2200, optimistic scenario $0.4500. The calculation is refreshed regularly with new filings.
What is the revenue of Paid Inc (PAYD)?
Paid Inc reported trailing-twelve-month revenue of about $21.7M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Paid Inc (PAYD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Paid Inc it is $0.3000 per share (as of Sep 24, 2026), against a price of $2.50. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Paid Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, PAYD trades above its calculated fair value: price $2.50, fair value $0.3000, a gap of about −88% (overvalued). 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 PAYD?
No. The price is what the market pays today ($2.50); the fair value is what the company's own numbers justify ($0.3000). For Paid Inc the two are $2.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is Paid Inc worth?
The market values Paid Inc at about $21.1M (market capitalisation, as of Sep 24, 2026). Per share that is $2.50; our models calculate a fair value of $0.3000 per share.
What do the bullish and bearish scenarios say about PAYD?
Our models span a range for Paid Inc: cautious scenario $0.2200, base $0.3000, optimistic $0.4500 per share (as of Sep 24, 2026, price $2.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of PAYD?
The PEG ratio of Paid Inc is 1.34 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Paid Inc (PAYD)?
Balance-sheet figures for Paid Inc (as of Sep 24, 2026): return on equity −5.0%, debt of 0.00 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is PAYD from its 52-week high?
Paid Inc trades at $2.50, about 24% below its 52-week high of $3.30 and 85% above the low of $1.35 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of $0.3000 is for.
Which stocks are comparable to Paid Inc?
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 Paid Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $2.50, calculated fair value $0.3000 (−88%), Quality Score 39/100, from 1 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 PAYD calculated?
We run Paid Inc through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.3000, 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 14.5 % above its aggregate fair value. Paid Inc itself currently trades above fair value. 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 Paid Inc (PAYD)?
The closing price on Oct 1, 2026 was $2.50. Our model-based fair value is $0.3000, about −88% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Paid Inc right now?
The price sits above even our optimistic bull case ($0.4500). The favourable scenario is already priced in. Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($0.2200 to $0.4500) leaves room in how you read the outcome.
Key figures of Paid Inc
How large is the market capitalisation of Paid Inc (PAYD)?
The market capitalisation of Paid Inc is $21.1M. 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 Paid Inc (PAYD)?
The price-to-sales ratio of Paid Inc is 0.80 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Paid Inc (PAYD)?
Earnings per share at Paid Inc are $−0.0200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Paid Inc (PAYD)?
The net margin of Paid Inc is −1.8% (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 Paid Inc (PAYD)?
The return on equity (ROE) of Paid Inc is −5.0% (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 Paid Inc (PAYD)?
On an EBIT basis the return on assets of Paid Inc is −5.8% (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 Paid Inc (PAYD)?
The operating margin of Paid Inc is −2.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Paid Inc (PAYD)?
Revenue at Paid Inc is growing +21.7% versus a year earlier (3y avg +7.7%). 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 Paid Inc (PAYD)?
Earnings per share at Paid Inc are growing +12.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Paid Inc (PAYD) generate?
The free cash flow of Paid Inc is −$55.6K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Paid Inc (PAYD) hold?
Paid Inc holds more cash than debt, $1.0M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 24, 2026