PAID INC (PAYD) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PAYD SEC filings page.
PAID INC (PAYD) reported $22.1M in revenue over the twelve months to Jun 30, 2026, up 12.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Revenue is expanding, but core operations remain loss-making and working-capital liquidity is thinner, making reported profits uneven.
From FY2022 through FY2024, net income stayed positive while operating income stayed negative, indicating reported earnings were not consistently produced by the main operating result. In FY2025, revenue reached$20.7M , yet operating cash flow was-$53K and free cash flow was-$56K , showing that recent growth did not translate into cash generation.
Gross margin stayed within a narrow 21.9%–23.2% range across FY2021-FY2025, so the changing bottom line was not driven by a major shift in product-level economics. In FY2025, SG&A was
Debt-to-equity declined from 1.2x in FY2021 to 0.5x in FY2025, while the current ratio fell from 2.3x in FY2023 to 0.9x; the balance sheet became less debt-heavy but more reliant on current liabilities relative to current assets. Equity reached
Financial Health Signals
PAID INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
PAID INC scores -4.77, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($21.6M) relative to total liabilities ($2.7M). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
PAID INC passes 4 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
PAID INC reported a net loss of $368K while operations used $53K of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
PAID INC generated $5.9M in revenue in Q2 2026. This represents an increase of 8.1% from the same quarter a year earlier. Against the prior quarter it is up 10.1%.
PAID INC's EBITDA was $50K in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 115.1% from the same quarter a year earlier. Against the prior quarter it is up 215.6%.
PAID INC reported -$7K in net income in Q2 2026. This represents an increase of 98.1% from the same quarter a year earlier. Against the prior quarter it is up 82.2%.
Not reported for Q2 2026.
Cash & Balance Sheet
PAID INC generated $217K in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 2.9% from the same quarter a year earlier. Against the prior quarter it is up 263.2%.
PAID INC held $1.1M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
PAID INC's gross margin was 20.9% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is down 1.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.0 percentage points.
PAID INC's operating margin was -0.4% in Q2 2026, reflecting core business profitability. This is up 7.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.8 percentage points.
PAID INC's net profit margin was -0.1% in Q2 2026, showing the share of revenue converted to profit. This is up 7.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.
PAID INC's ROE was -0.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 7.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.
Capital Allocation
PAID INC invested $1K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 54.0% from the same quarter a year earlier. Against the prior quarter it is down 41.1%.
Not reported for Q2 2026.
Not reported for Q2 2026.
PAYD Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $5.9M+8.1% | $5.3M+21.7% | $5.4M+0.3% | $5.5M+23.9% | $5.4M+17.9% | $4.4M+5.2% | $5.4M+18.9% | $4.4M+8.2% |
| Cost of Revenue | $4.6M+9.8% | $4.3M+27.0% | $4.2M-5.9% | $4.2M+25.8% | $4.2M+20.9% | $3.4M+6.9% | $4.5M+29.8% | $3.4M+6.3% |
| Gross Profit | $1.2M+1.9% | $1.1M+4.0% | $1.1M+32.9% | $1.3M+17.9% | $1.2M+8.5% | $1.0M+0.2% | $862K-17.5% | $1.1M+14.8% |
| SG&A Expenses | $406K-6.1% | $371K-29.4% | $405K-33.4% | $385K-24.8% | $433K-10.4% | $525K+41.4% | $609K+67.8% | $513K+37.3% |
| Operating Income | -$23K+94.3% | -$118K+26.0% | -$114K+50.7% | $25K+116.9% | -$407K-439.3% | -$159K-320.7% | -$230K-552.1% | -$150K-128.3% |
| EBITDA | $50K+115.1% | -$44K+50.9% | -$41K+73.7% | $99K+234.6% | -$334K-54163.1% | -$89K-322.1% | -$156K-475.6% | -$73K-696.7% |
| Income Tax | $0-100.0% | $456 | -$243K-381.3% | $6K+472.2% | $456-83.1% | $0-100.0% | -$50K+45.5% | $1K |
| Net Income | -$7K+98.1% | -$42K+72.1% | $146K+184.4% | $32K+124.1% | -$397K-151.6% | -$149K-149.7% | -$173K-127.2% | -$134K-198.5% |
| EPS (Basic) | $0.00+100.0% | $0.00+100.0% | $0.02+166.7% | $0.00+100.0% | -$0.05-150.0% | -$0.02-150.0% | -$0.03-137.5% | -$0.02-100.0% |
| EPS (Diluted) | N/A | $0.00+100.0% | $0.02+166.7% | $0.00+100.0% | -$0.05-150.0% | -$0.02-150.0% | -$0.03-137.5% | -$0.02-100.0% |
| Diluted Shares (Avg) | N/A | 9M+5.9% | N/A | 9M+6.6% | 8M+2.9% | 8M+0.4% | N/A | 8M+0.6% |
Not reported in any period shown, so not listed: R&D Expenses, Interest Expense.
PAYD Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $8.4M+3.0% | $8.4M+7.0% | $8.3M-1.9% | $8.3M-0.6% | $8.2M-2.9% | $7.8M+6.8% | $8.4M+21.0% | $8.4M+29.8% |
| Current Assets | $1.9M+12.4% | $1.8M+27.3% | $1.8M-6.7% | $1.9M-68.0% | $1.7M-72.8% | $1.4M-72.5% | $1.9M-57.8% | $5.8M+46.2% |
| Cash & Equivalents | $1.1M+1.0% | $952K+26.7% | $1.1M-13.8% | $1.1M+5.5% | $1.1M-29.0% | $751K-41.0% | $1.3M-25.8% | $1.1M-37.2% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Receivable | $469K+51.3% | $442K+53.9% | $303K+56.3% | $325K+54.8% | $310K+22.2% | $287K-1.3% | $194K-5.7% | $210K-12.5% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $2.7M-13.8% | $2.7M-8.9% | $2.7M-19.9% | $3.2M+6.0% | $3.2M+8.3% | $3.0M+15.9% | $3.4M+20.5% | $3.0M+6.3% |
| Current Liabilities | $2.1M-6.1% | $2.1M-1.4% | $2.1M-17.9% | $2.3M+13.7% | $2.3M+9.8% | $2.1M+24.8% | $2.5M+31.4% | $2.0M+8.9% |
| Non-Current Liabilities | $611K-33.0% | $632K-27.4% | $650K-25.8% | $886K-10.0% | $913K+4.5% | $870K-1.4% | $876K-2.8% | $984K+1.3% |
| Total Equity | $5.7M+13.6% | $5.6M+16.9% | $5.5M+10.3% | $5.1M+1.8% | $5.0M-3.3% | $4.8M+9.1% | $5.0M+21.4% | $5.1M+39.3% |
| Retained Earnings | -$69.3M+0.2% | -$69.3M-0.4% | -$69.2M-0.5% | -$69.4M-1.5% | -$69.4M-1.7% | -$69.0M0.0% | -$68.9M+1.1% | -$68.4M+2.2% |
Not reported in any period shown, so not listed: Inventory, Goodwill, Long-Term Debt.
PAYD Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $218K-3.5% | -$131K+72.6% | $26K-95.6% | $173K+178.8% | $226K-25.3% | -$478K-111.8% | $590K+118.5% | -$219K-92.1% |
| Depreciation & Amortization | $74K+0.5% | $74K+5.3% | $73K-2.4% | $74K-3.7% | $73K-3.9% | $70K-9.6% | $74K-3.0% | $76K-2.0% |
| Stock-Based Compensation | $59K-88.5% | $61K+4734.3% | N/A | $112K+3334.6% | $511K+18967.3% | $1K-96.7% | N/A | $3K-95.3% |
| Capital Expenditures | $1K-54.0% | $2K | $2-95.7% | $19+111.1% | $2K+5000.0% | $0-100.0% | -$46 | -$9 |
| Free Cash Flow | $217K-2.9% | -$133K+72.2% | $26K-95.6% | $173K+178.8% | $223K-26.1% | -$478K-105.8% | $590K+118.4% | -$219K-92.1% |
| Investing Cash Flow | -$9K-284.1% | -$2K | -$75K-5058.3% | -$75K+62.2% | -$2K+95.1% | $0+100.0% | -$1K | -$198K |
| Financing Cash Flow | -$70K | $0-100.0% | $0-100.0% | -$1 | $0 | $2K+155.4% | $4K | $0 |
| Share Buybacks | N/A | N/A | $0 | N/A | N/A | N/A | $0 | $0 |
Not reported in any period shown, so not listed: Dividends Paid.
PAYD Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 20.9%-1.3pp | 19.9%-3.4pp | 21.2%+5.2pp | 23.2%-1.2pp | 22.1%-1.9pp | 23.3%-1.2pp | 16.0%-7.1pp | 24.4%+1.4pp |
| Operating Margin | -0.4%+7.1pp | -2.2%+1.4pp | -2.1%+2.2pp | 0.5%+3.8pp | -7.5%-5.9pp | -3.6%-2.7pp | -4.3%-3.5pp | -3.4%-1.8pp |
| Net Margin | -0.1%+7.2pp | -0.8%+2.6pp | 2.7%+5.9pp | 0.6%+3.6pp | -7.3%-24.1pp | -3.4%-10.6pp | -3.2%-17.3pp | -3.0%-1.9pp |
| Return on Equity | -0.1%+7.8pp | -0.7%+2.3pp | 2.6%+6.1pp | 0.6%+3.3pp | -7.9%-22.8pp | -3.1%-9.8pp | -3.4%-18.8pp | -2.6%-1.4pp |
| Return on Assets | -0.1%+4.8pp | -0.5%+1.4pp | 1.8%+3.8pp | 0.4%+2.0pp | -4.9%-14.0pp | -1.9%-6.0pp | -2.1%-11.2pp | -1.6%-0.9pp |
| Current Ratio | 0.89+0.1x | 0.83+0.2x | 0.85+0.1x | 0.81-2.1x | 0.75-2.3x | 0.64-2.3x | 0.75-1.6x | 2.88+0.7x |
| Debt-to-Equity | 0.48-0.2x | 0.49-0.1x | 0.49-0.2x | 0.620.0x | 0.64+0.1x | 0.620.0x | 0.680.0x | 0.59-0.2x |
| Asset Turnover | 0.700.0x | 0.63+0.1x | 0.650.0x | 0.66+0.1x | 0.66+0.1x | 0.560.0x | 0.640.0x | 0.53-0.1x |
| FCF Margin | 3.7%-0.4pp | -2.5%+8.4pp | 0.5%-10.5pp | 3.1%+8.1pp | 4.1%-2.5pp | -10.9%-5.3pp | 11.0%+5.0pp | -4.9%-2.2pp |
Note: The current ratio is below 1.0 (0.85), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| PAID INC PAYD | FY2025 | $20.7M | -$368K | -1.8% | $21.6M | — |
| UPAY INC UPYY | FY2026 | $746K | -$1.4M | N/A | $15.9M | — |
| CREDITRISKMONITOR.COM INC CRMZ | FY2025 | $20.1M | $511K | 2.5% | $22.8M | — |
Where PAID INC Ranks
Frequently Asked Questions
What is PAID INC's annual revenue?
PAID INC (PAYD) reported $20.7M in total revenue for fiscal year 2025. This represents a 11.4% 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 INC's revenue growing?
PAID INC (PAYD) revenue grew by 11.4% year-over-year, from $18.6M to $20.7M in fiscal year 2025.
Is PAID INC profitable?
No, PAID INC (PAYD) reported a net income of -$368K in fiscal year 2025, with a net profit margin of -1.8%.
What is PAID INC's EBITDA?
PAID INC (PAYD) had EBITDA of -$365K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is PAID INC's gross margin?
PAID INC (PAYD) had a gross margin of 22.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is PAID INC's operating margin?
PAID INC (PAYD) had an operating margin of -3.2% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is PAID INC's net profit margin?
PAID INC (PAYD) had a net profit margin of -1.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is PAID INC's return on equity (ROE)?
PAID INC (PAYD) has a return on equity of -6.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is PAID INC's free cash flow?
PAID INC (PAYD) recorded an outflow of $56K in free cash flow during fiscal year 2025. This represents a -112.6% 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 INC's operating cash flow?
PAID INC (PAYD) recorded an outflow of $53K in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are PAID INC's total assets?
PAID INC (PAYD) had $8.3M in total assets as of fiscal year 2025, including both current and long-term assets.
What are PAID INC's capital expenditures?
PAID INC (PAYD) invested $2K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is PAID INC's current ratio?
PAID INC (PAYD) had a current ratio of 0.85 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is PAID INC's debt-to-equity ratio?
PAID INC (PAYD) had a debt-to-equity ratio of 0.49 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is PAID INC's return on assets (ROA)?
PAID INC (PAYD) had a return on assets of -4.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is PAID INC's P/E ratio?
PAID INC (PAYD) trades at 168x earnings, its market capitalization divided by net income of $129K net income, trailing 12 months to June 30, 2026. The market capitalization is $21.6M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is PAID INC's price-to-sales ratio?
PAID INC (PAYD) trades at 1.0x sales, its market capitalization divided by revenue of $22.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $21.6M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is PAID INC's Altman Z-Score?
PAID INC (PAYD) has an Altman Z-Score of -4.77, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is PAID INC's Piotroski F-Score?
PAID INC (PAYD) has a Piotroski F-Score of 4 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are PAID INC's earnings high quality?
PAID INC (PAYD) reported a net loss of $368K while operations used $53K of cash. With neither figure positive, the ratio between the two carries no quality signal. 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.