Paid Financials
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Paid has an operating margin of -2.6%, meaning the company retains $-3 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is up from -3.5% the prior year.
Paid's revenue grew 12.2% year-over-year to $18.6M, a solid pace of expansion. This earns a growth score of 63/100.
Paid carries a low D/E ratio of 0.68, meaning only $0.68 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 86/100, indicating a strong balance sheet with room for future borrowing.
Paid's current ratio of 0.75 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 10/100, which could limit financial flexibility.
Paid's free cash flow margin of 2.4% results in a low score of 12/100. Capital expenditures of $7K absorb a large share of operating cash flow.
Paid's ROE of 15.2% shows moderate profitability relative to equity, earning a score of 61/100. This is up from 8.5% the prior year.
Paid passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Paid generates $0.59 in operating cash flow ($448K OCF vs $764K net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
This page shows Paid (PAYD) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Paid generated $18.6M in revenue in fiscal year 2024. This represents an increase of 12.2% from the prior year.
Paid's EBITDA was -$189K in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 32.1% from the prior year.
Paid generated $441K in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 87.3% from the prior year.
Paid reported $764K in net income in fiscal year 2024. This represents an increase of 116.2% from the prior year.
Paid earned $0.09 per diluted share (EPS) in fiscal year 2024. This represents an increase of 125.0% from the prior year.
Paid held $1.3M in cash against $0 in long-term debt as of fiscal year 2024.
Paid had 8M shares outstanding in fiscal year 2024. This represents an increase of 0.7% from the prior year.
Paid's gross margin was 21.9% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is down 0.9 percentage points from the prior year.
Paid's operating margin was -2.6% in fiscal year 2024, reflecting core business profitability. This is up 0.9 percentage points from the prior year.
Paid's net profit margin was 4.1% in fiscal year 2024, showing the share of revenue converted to profit. This is up 2.0 percentage points from the prior year.
Paid's ROE was 15.2% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 6.7 percentage points from the prior year.
Paid spent $4K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
Paid invested $7K in capex in fiscal year 2024, funding long-term assets and infrastructure.
PAYD Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $5.5M+1.5% | $5.4M+24.0% | $4.4M-18.6% | $5.4M+16.8% | $4.6M+10.6% | $4.2M-8.0% | $4.5M+10.0% | $4.1M |
| Cost of Revenue | $4.2M+0.1% | $4.2M+25.9% | $3.4M-25.6% | $4.5M+29.1% | $3.5M+11.2% | $3.1M-9.6% | $3.5M+9.9% | $3.2M |
| Gross Profit | $1.3M+6.3% | $1.2M+17.8% | $1.0M+18.4% | $862K-22.2% | $1.1M+8.8% | $1.0M-2.5% | $1.0M+10.6% | $944K |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $385K-10.9% | $433K-17.6% | $525K-13.7% | $609K+26.2% | $483K+29.9% | $371K+2.4% | $363K-2.9% | $374K |
| Operating Income | $25K+106.2% | -$407K-156.0% | -$159K+30.9% | -$230K-204.9% | -$76K-99.7% | -$38K-7.1% | -$35K+46.2% | -$66K |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Income Tax | $6K+1305.5% | $456 | $0+100.0% | -$50K-1971.8% | $3K-51.9% | $6K+106.0% | -$93K | $0 |
| Net Income | $32K+108.1% | -$397K-167.1% | -$149K+13.8% | -$173K-122.4% | $770K+157.3% | $299K-52.9% | $636K+1519.6% | -$45K |
| EPS (Diluted) | $0.00+100.0% | $-0.05-150.0% | $-0.02+33.3% | $-0.03-130.0% | $0.10+150.0% | $0.04-50.0% | $0.08+900.0% | $-0.01 |
PAYD Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.3M+1.6% | $8.2M+4.4% | $7.8M-7.0% | $8.4M0.0% | $8.4M+14.9% | $7.3M+5.4% | $7.0M+8.0% | $6.5M |
| Current Assets | $1.9M+10.1% | $1.7M+22.6% | $1.4M-27.7% | $1.9M-69.3% | $6.2M+23.9% | $5.0M+11.1% | $4.5M+13.6% | $4.0M |
| Cash & Equivalents | $1.1M+7.6% | $1.1M+42.2% | $751K-41.5% | $1.3M-14.6% | $1.5M+18.2% | $1.3M-26.5% | $1.7M-0.2% | $1.7M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $325K+4.8% | $310K+8.1% | $287K+48.1% | $194K-23.6% | $254K-12.8% | $291K+41.5% | $206K-14.3% | $240K |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $3.2M0.0% | $3.2M+5.6% | $3.0M-11.8% | $3.4M+16.1% | $2.9M+13.1% | $2.6M-8.3% | $2.8M+0.3% | $2.8M |
| Current Liabilities | $2.3M+1.2% | $2.3M+6.0% | $2.1M-15.6% | $2.5M+22.8% | $2.1M+20.4% | $1.7M-11.2% | $1.9M+4.2% | $1.9M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $5.1M+2.6% | $5.0M+3.7% | $4.8M-3.8% | $5.0M-3.0% | $5.2M+17.0% | $4.4M+7.0% | $4.1M+14.1% | $3.6M |
| Retained Earnings | -$69.4M0.0% | -$69.4M-0.6% | -$69.0M-0.2% | -$68.9M-0.9% | -$68.2M+1.1% | -$69.0M+0.9% | -$69.6M+0.5% | -$70.0M |
PAYD Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $173K-23.4% | $226K+147.3% | -$478K-180.9% | $590K+95.4% | $302K+234.0% | -$225K-183.4% | $270K+336.6% | -$114K |
| Capital Expenditures | $19-99.2% | $2K | $0+100.0% | -$46+4.2% | -$48-100.7% | $7K | $0 | $0 |
| Free Cash Flow | $173K-22.6% | $223K+146.7% | -$478K-180.9% | $590K+95.4% | $302K+230.2% | -$232K-185.9% | $270K+336.6% | -$114K |
| Investing Cash Flow | -$75K-2964.5% | -$2K | $0+100.0% | -$1K+97.1% | -$50K+90.1% | -$507K | $0 | $0 |
| Financing Cash Flow | -$1 | $0-100.0% | $2K-49.6% | $4K | $0+100.0% | -$4K | $0 | $0 |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | $0 | $0-100.0% | $4K | $0 | $0 |
PAYD Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 23.2%+1.0pp | 22.1%-1.2pp | 23.3%+7.3pp | 16.0%-8.0pp | 24.1%-0.4pp | 24.5%+1.4pp | 23.1%+0.1pp | 23.0% |
| Operating Margin | 0.5%+8.0pp | -7.5%-3.9pp | -3.6%+0.6pp | -4.3%-2.6pp | -1.6%-0.7pp | -0.9%-0.1pp | -0.8%+0.8pp | -1.6% |
| Net Margin | 0.6%+7.9pp | -7.3%-3.9pp | -3.4%-0.2pp | -3.2%-19.9pp | 16.7%+9.5pp | 7.2%-6.9pp | 14.1%+15.2pp | -1.1% |
| Return on Equity | 0.6% | N/A | N/A | N/A | 14.9%+8.1pp | 6.8%-8.6pp | 15.4% | N/A |
| Return on Assets | 0.4%+5.2pp | -4.9%-3.0pp | -1.9%+0.2pp | -2.1%-11.2pp | 9.1%+5.1pp | 4.1%-5.0pp | 9.1%+9.8pp | -0.7% |
| Current Ratio | 0.81+0.1 | 0.75+0.1 | 0.64-0.1 | 0.75-2.3 | 3.01+0.1 | 2.93+0.6 | 2.34+0.2 | 2.15 |
| Debt-to-Equity | 0.62-0.0 | 0.64+0.0 | 0.62-0.1 | 0.68+0.1 | 0.57-0.0 | 0.59-0.1 | 0.68-0.1 | 0.78 |
| FCF Margin | 3.1%-1.0pp | 4.1%+15.0pp | -10.9%-21.9pp | 11.0%+4.4pp | 6.6%+12.1pp | -5.6%-11.6pp | 6.0%+8.8pp | -2.8% |
Note: The current ratio is below 1.0 (0.75), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
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Frequently Asked Questions
What is Paid's annual revenue?
Paid (PAYD) reported $18.6M in total revenue for fiscal year 2024. This represents a 12.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Paid's revenue growing?
Paid (PAYD) revenue grew by 12.2% year-over-year, from $16.6M to $18.6M in fiscal year 2024.
Is Paid profitable?
Yes, Paid (PAYD) reported a net income of $764K in fiscal year 2024, with a net profit margin of 4.1%.
What is Paid's earnings per share (EPS)?
Paid (PAYD) reported diluted earnings per share of $0.09 for fiscal year 2024. This represents a 125.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Paid's EBITDA?
Paid (PAYD) had EBITDA of -$189K in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
What is Paid's gross margin?
Paid (PAYD) had a gross margin of 21.9% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.
What is Paid's operating margin?
Paid (PAYD) had an operating margin of -2.6% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Paid's net profit margin?
Paid (PAYD) had a net profit margin of 4.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Paid's return on equity (ROE)?
Paid (PAYD) has a return on equity of 15.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Paid's free cash flow?
Paid (PAYD) generated $441K in free cash flow during fiscal year 2024. This represents a 87.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Paid's operating cash flow?
Paid (PAYD) generated $448K in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Paid's total assets?
Paid (PAYD) had $8.4M in total assets as of fiscal year 2024, including both current and long-term assets.
What are Paid's capital expenditures?
Paid (PAYD) invested $7K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Paid buy back shares?
Yes, Paid (PAYD) spent $4K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
How many shares does Paid have outstanding?
Paid (PAYD) had 8M shares outstanding as of fiscal year 2024.
What is Paid's current ratio?
Paid (PAYD) had a current ratio of 0.75 as of fiscal year 2024, which is below 1.0, which may suggest potential liquidity concerns.
What is Paid's debt-to-equity ratio?
Paid (PAYD) had a debt-to-equity ratio of 0.68 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Paid's return on assets (ROA)?
Paid (PAYD) had a return on assets of 9.0% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Paid's Piotroski F-Score?
Paid (PAYD) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Paid's earnings high quality?
Paid (PAYD) has an earnings quality ratio of 0.59x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Paid?
Paid (PAYD) scores 39 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.